Patent ID: 7949580

Claim:
A system for debiting a payment system access card to provide substantially near real-time reimbursement to a point of service provider by a third party comprising: a network; a point of service terminal comprising a point of service terminal network interface operably coupled to said network and adapted to provide an indication of a purchase transaction in substantially real-time and a card interface adapted to receive said payment system access card for payment of a purchase of at least one of a service and product to said point of service provider, wherein at least part of said purchase is reimbursable by a third party; an adjudication engine comprising an adjudication engine network interface operably coupled to said network and adapted to receive said indication of said purchase transaction and produce a substantially real-time adjudicated settlement transaction comprising an indication of a third party payment amount for at least one of medical services or products; a payment system comprising a payment system network interface operably coupled to said network and adapted to receive said substantially real-time adjudicated settlement transaction, wherein said payment system is adapted to in substantially real-time debit said payment system access card for said third party payment amount to be paid by said third party to reimburse said point of service provider of said covered portion.