Systems and methods that create a pseudo prescription from transaction data generated during a point of sale purchase at a front of a store

1. A method for creating a pseudo-prescription for over the counter items that do not require prescriptions, and using the pseudo-prescription in a purchase transaction, the method transacted amongst an adjudication processor in communication with a benefits processor, a financial processor, and a retail infrastructure, the adjudication processor including a market basket analysis server, a switch, one or more product catalogs, and buyer account data associated with a buyer, the method comprising:

receiving an identifier of a buyer account associated with the buyer, the identifier comprising a primary account number (PAN);

determine based on the PAN and in communication with the catalog management server a specific plan, with eligible items set forth in one or more applicable product catalogs;

providing the retailer infrastructure that includes a point of sale server coupled to a store concentrator;

providing the adjudication processor and benefits processor with a process control server;

pursuant to the specific plan, creating a pseudo-prescription by the retailer infrastructure for the over-the-counter non-prescription item that does not require a prescription, the pseudo prescription for each over-the-counter item being purchased and formatted as a National Council for Prescription Drug Programs (NCPDP) claim transaction for the items in the market basket, the pseudo-prescription being used in a purchase transaction of the non-prescription item to associate each over-the-counter item with the buyer's plan and benefit coverage of such plan;

and determining that the benefits processor does not support real-time authorization requests and comparing by the switch the previously retrieved financial transaction card available balance to an amount requested in transaction data from the retailer, and:

determining that the balance is sufficient to cover the authorization request and submitting the transaction to the benefits processor for processing;

upon receipt at the benefits processor, formatting a NCPDP Claim approval message to the adjudication processor switch, which re-attaches item data to the authorization message and submits it back to the point of sale server;

wherein the retail infrastructure is isolated from details of multiple purses and the buyer's personal information.

2. The method of claim 1 , wherein the adjudication processor switch waits to complete a transaction to a retailer until the NCPDP Claim transaction(s) are processed.

3. The method of claim 1 , wherein if the balance is less than an amount requested, the adjudication processor switch sends a decline to the originating retailer.

4. The method of claim 3 , wherein when the adjudication processor switch determines if the balance is equal to or greater than the amount requested, then the adjudication processor switch submits the NCPDP Claim transaction to the claim processor for approval.