Abstract: A system and method are presented that utilizes a primary server having shadow data and benefit bucket data to provide adjudication and payment processing of insurance payment requests without requiring interaction with an insurance server and normal adjudication processes. The primary server can handle adjudication and payment processing for a plurality of insurance providers. An alternate payment method can be identified with a member identifier, allowing both insurance payment adjudication and member payment through the alternate payment method. The primary server can provide benefit processing for retail discounts, and store value benefits for authenticated purchase transactions. A variety of discounts, stored value benefits, insurance benefits, and alternate payment mechanisms can be incorporated into a single transaction and handled in real-time during the transaction.