Patent ID: 11955215
Assignee: SIDECAR HEALTH, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A data processing system, configured to process a payment for a health care service that is at least partly covered by a health insurance provider, the data processing system comprising:
a payment processing engine comprising one or more processors, the payment processing engine configured to determine cash rate costs paid for health care services from each of a plurality of health care providers by performing operations comprising:
receiving transaction data indicating a purchase of a health care service at a point of sale system of a health care provider, the transaction data associated with a key value, the transaction data specifying an amount paid for the health care service;
in response to receiving the transaction data, accessing, from a hardware storage device, a node labeled with the key value;
looking-up, in the accessed node, a geographic region associated with the purchase of the health care service; and
updating, for the geographic region, based on the amount paid for the health care service specified by the transaction data, cash rate data specifying a cash rate for purchasing the health care service in the geographic region;
determining a benefit amount for the health care services, the benefit based on the cash rate costs paid for the health care services at the geographic region;
determining a credit or a debit to apply for an account by comparing the benefit amount of the amount paid for the health care service; and
transmitting, to a user device based on the cash rate data, data causing presentation of the cash rate for purchasing the health care service in the geographic region and data representing the credit or the debit to apply for the account; and

a data storage configured to:
store, at the node labeled with the key value, the cash rate data specifying the cash rate for purchasing the health care service in the geographic region.