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The primary routing mechanism for a real-time third-party prescription claim is the BIN, or Bank Identification Number. This is a unique 6-digit number that identifies the insurance provider and is used to route the claim to the correct payer. The other options are incorrect because they do not pertain to the routing of a prescription claim. The person code is used to identify the individual receiving the prescription, the group number is used to identify a specific group policy, and the member number is used to identify an individual within a group policy. These codes may be used for other purposes, but they do not play a role in routing a prescription claim.