Benefits tracking and correlation system for use with third-party enabling organizations

• US 6,266,648 B1
• Filed: 05/15/1998
• Issued: 07/24/2001
• Est. Priority Date: 06/25/1996
• Status: Expired due to Term

• Current Assignee: UMB International, LLC
• Original Assignee: Bernard R Baker III (Bernard R Baker)
• Inventors: Baker, III, Bernard R.
• Primary Examiner(s): Hafiz, Tariq R.
• Assistant Examiner(s): KALINOWSKI, ALEXANDER G
• Application Number:
  US09/079,488
• Time in Patent Office: 1,166 Days
• Field of Search: 705/14, 705/5, 705/26, 705/27
• US Class Current: 705/14.25
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0235 constrained by time limit or expiration date
• CPC Class Codes: G06Q 30/0236 Incentive or reward received by requiring registration or ID from user

Abstract

A computer system and method for permitting a consumer to more effectively make use of a variety of available benefits from a plurality of goods and service providers, wherein the benefits are offered specifically to those consumers having an association with one or more enabling organizations. The system includes a memory for storing consumer information, enabling organization information and benefit correlation information. The system compares the identification information to the consumer information to determine those enabling organizations, if any, to which the consumer has an affiliation. The enabling organization information is then analyzed along with benefit correlation information to determine whether any enabling organization to which the consumer is affiliated is offering a potentially applicable benefit for the purchase plan data. The system also determines whether the purchase plan data satisfies all requirements for obtaining the potentially applicable benefit and displays the results. In an alternative embodiment, the system automatically periodically informs consumers of available benefits corresponding to a particular interest of the consumer.

Claims

1. A computer system for permitting a consumer to more effectively make use of a variety of available benefits from a plurality of goods and service providers, wherein said benefits are offered specifically to those consumers having an association with one or more enabling organizations, said computer system comprising:

A) means for storing in a memory in the computer system consumer information, enabling organization information and benefit correlation information, said consumer information including consumer identification information and consumer interest data for identifying a set of interests for a consumer;

B) means for analyzing said consumer information, said enabling organization information and said benefit correlation information to determine whether any enabling organization to which the consumer is affiliated is offering a benefit for said consumer which is applicable to said consumer interest data and is available during a pre-determined period; and

C) means for generating a message in advance of said pre-determined period to inform a system user of any available benefit applicable to said consumer interest data;

wherein said benefit includes at least one of a discounted rate and any other value available to the consumer as a result of the consumer'"'"'s membership in said one or more enabling organizations.

2. The computer system according to claim 1 further comprising means for periodically updating at least one of said consumer information, said enabling organization information and said benefit correlation information.

3. The computer system according to claim 1 wherein said message is comprised of an e-mail to said consumer.

4. The computer system according to claim 1 wherein said message is comprised of printed matter and is mailed to said consumer.

5. The computer system according to claim 1 wherein said message is electronically stored and made available to said consumer via a global computer information network.

6. The computer system according to claim 1 wherein said consumer interest data is comprised of at least one of a cultural interest, activity or geographic area in which said consumer has an interest.

7. The computer system according to claim 6 wherein said activity is a sports activity.

8. In a computer system, a method for permitting a consumer to more effectively make use of a variety of available benefits from a plurality of goods and service providers, wherein said benefits are offered specifically to those consumers having an association with one or more enabling organizations, said method comprising:

A) storing in a memory in the computer system consumer information, enabling organization information and benefit correlation information, said consumer information including consumer identification information and consumer interest data for identifying a set of interests for a consumer;

B) analyzing said consumer information, said enabling organization information and said benefit correlation information to determine whether any enabling organization to which the consumer is affiliated is offering a benefit for said consumer which is applicable to said consumer interest data and is available during a pre-determined period; and

C) generating a message in advance of said pre-determined period to inform a system user of any available benefit applicable to said consumer interest data;

wherein said benefit includes at least one of a discounted rate and any other value available to the consumer as a result of the consumer'"'"'s membership in said one or more enabling organizations.

9. The method according to claim 8 further comprising the step of periodically updating at least one of said consumer information, said enabling organization information and said benefit correlation information.

10. The method according to claim 8 wherein said message is comprised of an e-mail to said consumer.

11. The method according to claim 8 wherein said message is comprised of printed matter and is mailed to said consumer.

12. The method according to claim 8 further comprising the steps of electronically storing said message and making same available to said consumer via a global computer information network.

13. The method according to claim 8 wherein said consumer interest data is comprised of at least one of a cultural interest, activity or geographic area in which said consumer has an interest.

14. The method according to claim 13 wherein said activity is a sports activity.

15. A purchase planning system for permitting a consumer to more effectively make use of a variety of available benefits from a plurality of goods and service providers, wherein said benefits are offered only to those consumers having an association with one or more enabling organizations, said system comprising:

A) means for storing in machine-readable form a database comprised of;

1. enabling organization information identifying one or more of said enabling organizations which enable benefits from one or more of said goods and service providers;

2. benefits information for each of said enabling organizations, said benefits information identifying specific benefits each of said enabling organizations makes available for individuals associated with each of said enabling organizations;

3. consumer information identifying one or more of said organizations to which an individual travel consumer has an association, said consumer information including consumer identification information and consumer interest data for identifying a set of interests for a consumer;

B) processor means coupled with said data base, said data entry and said display devices, said processor means for periodically determining from said consumer information if a consumer is associated with one or more of said enabling organizations, said processor means automatically identifying benefits enabled by said enabling organization which may be used by a consumer for receiving benefits from goods and service providers which coincide with a consumer'"'"'s set of interests.