System, method and apparatus for encouraging the undertaking of a preventative treatment
First Claim
1. A method for providing a benefit to a customer, comprising:
- receiving, by a controller comprising at least one processor, an identification of a customer involved in a transaction with a third party,wherein the identification comprises at least one of;
an identifier associated with the customer and a name of the customer;
determining, by the controller, a preventative treatment for the customer;
offering a benefit to the customer toward the transaction if the customer adopts the preventative treatment;
receiving, by the controller, an indication that the customer agrees to adopt the preventative treatment; and
providing the benefit.
6 Assignments
0 Petitions
Accused Products
Abstract
A system and method is disclosed whereby a customer involved in a transaction is offered a benefit to be applied to the transaction in exchange for undertaking or agreeing to undertake some form of preventative treatment. The transaction may be a purchase of goods or services occurring, for example, over the Internet. In one embodiment, the customer may select an option whereby a third party, such as an insurer of the customer, will provide payment for at least part of the transaction, in exchange for the customer undergoing a preventative treatment. The preventative treatment may include a health treatment screening or test. The payment provided may be determined from an expected future savings in insuring the customer if the preventative treatment is undertaken. Payment may also be conditioned upon the customer'"'"'s agreement to continue his or her insurance coverage with the insurer or to confirm that the preventative treatment was performed. In certain embodiments, the insurer may place a hold against a financial account for the value of the benefit until administration of the preventative treatment is confirmed.
-
Citations
97 Claims
-
1. A method for providing a benefit to a customer, comprising:
-
receiving, by a controller comprising at least one processor, an identification of a customer involved in a transaction with a third party, wherein the identification comprises at least one of;
an identifier associated with the customer and a name of the customer;determining, by the controller, a preventative treatment for the customer; offering a benefit to the customer toward the transaction if the customer adopts the preventative treatment; receiving, by the controller, an indication that the customer agrees to adopt the preventative treatment; and providing the benefit. - 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, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44)
-
-
45. An apparatus for providing a benefit to a customer, comprising:
-
a processor; and a memory in operative communication with the processor, the memory including a plurality of processing instructions for directing the processor to; receive an identification of a customer involved in a transaction, wherein the identification comprises at least one of;
an identifier associated with the customer and a name of the customer;identify a preventative treatment for the customer; offer a benefit to the customer toward the transaction if the customer adopts the preventative treatment; receive an indication that the customer agrees to adopt the preventative treatment; and provide the benefit.
-
-
46. A computer-readable medium encoded with processing instructions for implementing a method, performed by a computer, for providing a benefit to a customer, the method comprising:
-
receiving an identification of a customer involved in a transaction, wherein the identification comprises at least one of;
an identifier associated with the customer and a name of the customer;identifying a preventative treatment for the customer; and offering a benefit to the customer toward the transaction if the customer adopts the preventative treatment; receiving an indication that the customer agrees to adopt the preventative treatment; and providing the benefit.
-
-
47. A method for providing a benefit, comprising:
-
receiving, by a controller comprising at least one processor, a first identification of a transaction involving a customer, wherein the first identification comprises at least one of;
an identifier associated with the customer and a name of the customer;transmitting, by the controller, a second identification of a preventative treatment to be adopted by the customer; receiving, by the controller, an indication that the preventative treatment has been adopted by the customer; and providing, via the controller, a benefit to the customer toward the transaction. - View Dependent Claims (48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90)
-
-
91. A computer readable medium encoded with processing instructions for implementing a method for providing a benefit, the method comprising:
-
receiving, by a controller comprising at least one processor, a first identification of a transaction involving a customer, wherein the first identification comprises at least one of;
an identifier associated with the customer and a name of the customer;transmitting, by the controller, a second identification of a preventative treatment to the customer; receiving, by the controller, an indication that the preventative treatment has been adopted by the customer; and providing, via the controller, a benefit to the customer toward the transaction.
-
-
92. An apparatus for providing a benefit, comprising:
-
a processor; and a memory in operative communication with the processor, the memory for storing a plurality of processing instructions directing the processor to; receive a first identification of a transaction involving a customer, wherein the first identification comprises at least one of;
an identifier associated with the customer and a name of the customer;transmit a second identification of a preventative treatment to the customer; receive an indication that the preventative treatment has been adopted by the customer; and provide a benefit to the customer toward the transaction.
-
-
93. A method for providing a benefit, comprising:
-
receiving, by a controller comprising at least one processor, a first identification of a transaction between a customer and a third party; determining, by the controller, a preventative treatment and a benefit; transmitting, by the controller, a second identification of the preventative treatment and a third identification of the benefit to the customer; receiving, by the controller, an indication that the preventative treatment has been adopted by the customer; and providing the benefit toward the transaction between the customer and the third party in response to said indication. - View Dependent Claims (94)
-
-
95. A method for providing a benefit to a customer, comprising:
-
receiving, by a controller comprising at least one processor and associated with at least one insurer, an identification of a customer involved in a transaction with a third party merchant, the transaction being via a web site of the third party merchant; after receiving the identification of the customer involved in the transaction with the third party merchant, selecting, by the controller comprising at least one processor and associated with the at least one insurer, a preventative treatment for the customer; after receiving the identification of the customer involved in the transaction with the third party merchant, offering, by the controller comprising at least one processor and associated with the at least one insurer, a benefit to the customer toward the transaction between the customer and the third party merchant in exchange for the customer agreeing to adopt the preventative treatment; receiving, by the controller comprising at least one processor and associated with the at least one insurer, an indication that the customer agrees to adopt the preventative treatment; and providing the benefit toward the transaction between the customer and the third party merchant.
-
-
96. A computer readable medium encoded with processing instructions for implementing a method for providing a benefit, the method comprising:
-
receiving, by a controller comprising at least one processor, a first identification of a transaction between a customer and a third party; determining, by the controller, a preventative treatment and a benefit; transmitting, by the controller, a second identification of the preventative treatment and a third identification of the benefit to the customer; receiving, by the controller, an indication that the preventative treatment has been adopted by the customer; and providing the benefit toward the transaction between the customer and the third party in response to said indication.
-
-
97. An apparatus for providing a benefit, comprising:
-
a processor; and a memory in operative communication with the processor, the memory for storing a plurality of processing instructions directing the processor to; receive a first identification of a transaction between a customer and a third party; determine a preventative treatment and a benefit; transmit a second identification of the preventative treatment and a third identification of the benefit to the customer; receive an indication that the preventative treatment has been adopted by the customer; and provide the benefit toward the transaction between the customer and the third party in response to said indication.
-
Specification