Engine, System and Method of Providing a Multi-Platform Payment and Information Exchange
First Claim
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1. A computer-implemented system for managing insureds'"'"' benefits information, comprising:
- a server computer containing;
a computing processor;
a network interface device in data communication with the processor and operative to communicatively couple the processor to a tangible data communication network; and
a non-transitory computer-readable data storage device in data communication with the processor having stored thereon computer readable instructions which, when executed on the processor, cause the computer to implement;
a database (“
benefits vault”
) operative to store data of at least one insured party, at least one benefit choice of the insured, at least one financial contribution to the benefits vault, and at least one restriction on the use of the financial contribution;
a rules engine coupled to the benefits vault and operative to associate the benefit choice with the insured in accordance with predetermined criteria;
a remote benefits engine operative to access at least one third party resource on a network to implement the benefit choice; and
a reporting engine operative to provide confirmation of said implementation.
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Accused Products
Abstract
System and method for managing insureds'"'"' benefits information, comprising a “benefits vault” database that stores data of insured parties, their respective benefit choices, financial contributions to the vault, and restrictions on the use of the contributions, a rules engine that associates the benefit choices with the respective insureds in accordance with predetermined criteria, a remote benefits engine that accesses remote third party resources to implement the benefit choices, and a reporting engine that provides confirmation of the implementation.
21 Citations
2 Claims
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1. A computer-implemented system for managing insureds'"'"' benefits information, comprising:
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a server computer containing; a computing processor; a network interface device in data communication with the processor and operative to communicatively couple the processor to a tangible data communication network; and a non-transitory computer-readable data storage device in data communication with the processor having stored thereon computer readable instructions which, when executed on the processor, cause the computer to implement; a database (“
benefits vault”
) operative to store data of at least one insured party, at least one benefit choice of the insured, at least one financial contribution to the benefits vault, and at least one restriction on the use of the financial contribution;a rules engine coupled to the benefits vault and operative to associate the benefit choice with the insured in accordance with predetermined criteria; a remote benefits engine operative to access at least one third party resource on a network to implement the benefit choice; and a reporting engine operative to provide confirmation of said implementation.
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2. A method for managing insureds'"'"' benefits information, comprising:
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storing data of at least one insured party, at least one benefit choice of the insured, at least one financial contribution to a debit account of the insured, and at least one restriction on the use of the financial contribution; associating the benefit choice with the insured in accordance with predetermined criteria; accessing at least one third party resource on a network to implement the benefit choice; and providing confirmation of said implementation.
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Specification