Patent ID: 8346643

Claim:
A method of providing adjudicated payment of reimbursable healthcare costs to a healthcare provider at a point of service of a patient, comprising the steps of: receiving payment system access information at said point of service for payment for a purchase of at least one of healthcare products and services by the patient, at least part of said purchase being reimbursable by a third party payor; transmitting a purchase transaction to an adjudication engine for processing, wherein said purchase is adjudicated substantially in real-time so as to determine a first portion of said purchase to be paid by said third party payor and a second portion of said purchase to be paid by said patient; receiving from said adjudication engine an adjudicated settlement transaction at said point of service designating obligations for payment of at least said first portion and said second portion; and sending an indication of said completed purchase transaction to initiate a funds transfer in accordance with said obligations for payment of said adjudicated settlement transaction.