System and method for an automated benefit recognition, acquisition, value exchange, and transaction settlement system using multivariable linear and nonlinear modeling
First Claim
1. A method for use in the acquisition of economic and personal benefits, said method employing computer means having data storage means and network communications means and comprising the steps of:
- (a) receiving a request to produce a benefit-driven settlement solution for an identified user having ranked benefit preferences;
(b) conducting an electronic search to identify benefits pertinent to said request; and
(c) categorising benefits thus identified in accordance with said user'"'"'s ranked benefit preferences.
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Accused Products
Abstract
A system and process that provides an on-line, interactive, and fully integrated benefit-driven value exchange and settlement program that monitors, evaluates, and manages economic and personal benefits and executes functions to produce and acquire the maximum or preferred benefit items for users by guiding and automating appropriate payment and settlement actions. The present invention finds useful patterns in data; produces conclusions based on rules and experience; responds to environmental changes with or without human intervention; and, may evolve through selecting the best results from random mutations all of which are intended to maximise user value.
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Citations
27 Claims
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1. A method for use in the acquisition of economic and personal benefits, said method employing computer means having data storage means and network communications means and comprising the steps of:
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(a) receiving a request to produce a benefit-driven settlement solution for an identified user having ranked benefit preferences;
(b) conducting an electronic search to identify benefits pertinent to said request; and
(c) categorising benefits thus identified in accordance with said user'"'"'s ranked benefit preferences. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. An apparatus for creating settlement solutions by establishing and executing functions that review and determine objects of value to consummate transactions, said apparatus comprising:
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(a) a processor;
(b) an input device connected to said processor;
(c) an output device connected to said processor;
(d) a clock device connected to said processor;
(e) a logic and control device connected to said processor;
(f) a memory connected to said processor storing programs to control the operation of said processor;
(g) a communications device connected to said processor;
(h) a data storage device connected to said processor;
(i) the processor operative with the program in memory to;
i. record data of users, benefits, settlement solutions, and transactions;
ii. receive requests to process transactions;
iii. enable information to be available to users;
iv. produce settlement solutions;
v. process settlement solutions with and without user intervention;
vi. transmit information to users electronically;
vii. consummate transactions; and
,viii. receive, record, and store user information and transaction activity.
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26. An apparatus for creating settlement solutions by establishing and executing functions that review and determine objects of value to consummate transactions, said apparatus comprising:
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(a) means for recording data of users, benefits, settlement solutions, and transactions;
(b) means for receiving requests to process transactions;
(c) means for enabling user access to information;
(d) means for producing settlement solutions;
(e) means for processing settlement solutions;
(f) means for transmitting information to users electronically;
(g) means for consummating transactions; and
,(h) means for receiving, recording, and storing user information and transaction activity.
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27. Computer software for executing functions that review and determine objects of value to consummate transactions, said software comprising processing instructions for directing a computer to perform the steps of:
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(a) recording data of users, benefits, settlement solutions, and transactions;
(b) receiving requests to process transactions;
(c) enabling user access to information;
(d) enabling the production of settlement solutions;
(e) processing settlement solutions;
(f) transmitting information to users electronically;
(g) consummating transactions; and
,(h) receiving, recording, and storing user information and transaction activity.
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Specification