Medical Banking Rx (MBRx) is a recipient of the HIMSS Medical Banking Project “Disruptive Innovator” Award (best potential to transform healthcare using disruptive innovation) and it has a patent-pending process, available for licensure, that prevents pharmacies from unilaterally circumventing the adjudication process in all 100% copay situations (High Deductible Health Plans, including Consumer Driven Health Plans and cash discount card markets) thereby avoiding the six problems experienced when claim adjudication is circumvented. MBRx Patient Driven Rx(SM) enables the PBM to initiate patient payments to pharmacies in real-time as an automated and integrated component of their claims’ adjudication process with corresponding real-time e-receipt notifications, and with real-time payment reversal e-receipts when claims are reversed, thereby precluding the circumvention of claim adjudication.