US Patent 11315160 Prepaid bundled healthcare services with discreet virtual payment distribution

Apparatus and associated methods relate to presenting for selection services comprising at least one bundled set of healthcare services to be performed separately by respective providers, determining a bundle price for the at least one bundled set of healthcare services, and in response to receiving payment in an amount of the bundle price, generating a persistent purchase data record selectively redeemable to receive each of the at least one bundled set of healthcare services, and assigning a unique confirmation number generated for the purchase data record. The received payment may be a virtual funds payment. The bundle price may be discounted. The bundle price may be based on the location or time at which at least one service will be performed. The bundle price may be based on the user's remaining health insurance deductible. Payment may be disbursed to multiple providers of the bundled set of healthcare services. Disbursed payment may be virtual funds.