Systems and methods for exchanging health care credits
First Claim
1. A method, implemented using a computing system, of managing a health care credit, the method comprising:
- receiving a freely transferrable non-monetary consideration that represents good health, or improvement in health, or maintenance of health;
storing, using the computing system, the freely transferrable non-monetary consideration in an account controlled by an entity;
calculating, using the computing system, a current value of the account according to a market value of the freely transferrable non-monetary consideration from a health care credit exchange that is a market that freely transfers the freely transferrable non-monetary consideration between and among entities;
storing the current value of the account in the account;
receiving an instruction from the entity; and
deducting, using the computing system, a portion of the freely transferrable non-monetary consideration from the account according to the instruction.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods for exchanging health care credits are described. Health care credits are transferable units of value representing good health, an improvement in health, or maintenance of health by an individual. The health care credits may be bought, sold, exchanged for goods and services, gifted or otherwise conveyed from one owner to another. Also disclosed are exchanges and markets for buying, selling, and trading health care credits, as well as derivative securities. The derivative securities or products are based on either the flow of health care credits through the system, or on health care information, which may have been generated to implement health care credit awards.
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Citations
108 Claims
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1. A method, implemented using a computing system, of managing a health care credit, the method comprising:
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receiving a freely transferrable non-monetary consideration that represents good health, or improvement in health, or maintenance of health; storing, using the computing system, the freely transferrable non-monetary consideration in an account controlled by an entity; calculating, using the computing system, a current value of the account according to a market value of the freely transferrable non-monetary consideration from a health care credit exchange that is a market that freely transfers the freely transferrable non-monetary consideration between and among entities; storing the current value of the account in the account; receiving an instruction from the entity; and deducting, using the computing system, a portion of the freely transferrable non-monetary consideration from the account according to the instruction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method, implemented using a computing system, of managing an account, the method comprising:
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receiving a health care credit, wherein the health care credit represents good health, or improvement in health, or maintenance of health, and wherein the health care credit is a freely transferrable non-monetary consideration; obtaining a market value of the health care credit from a health care credit exchange that is a market where health care credits are bought and sold; calculating, using the computing system, a value of the account according to the market value of the health care credit from the health care credit exchange; storing, using the computing system, the health care credit and the value of the account in the account, wherein the account is controlled by an entity; receiving an instruction from the entity; and deducting, using the computing system, the health care credit from the account according to the instruction. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. A method, implemented using a computing system, of managing an account controlled by an entity, the method comprising:
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receiving a health care credit, wherein the health care credit represents good health, or improvement in health, or maintenance of health, and wherein the health care credit is a freely transferrable non-monetary consideration; calculating, using the computing system, a value of the account according to the market value of the health care credit from a health care credit exchange that is a market where health care credits are bought and sold; storing, using the computing system, the health care credit and the value of the account in association with the account; transferring, using the computing system, the health care credit out of the account. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. An apparatus, the apparatus comprising:
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a memory containing instructions; and a processor, operably connected to the memory, that executes the instructions to perform operations comprising; receiving a freely transferrable non-monetary consideration that represents good health, or improvement in health, or maintenance of health; storing the freely transferrable non-monetary consideration in an account controlled by an entity; calculating a current value of the account according to a market value of the freely transferrable non-monetary consideration from a health care credit exchange that is a market that freely transfers the freely transferrable non-monetary consideration between and among entities; storing the current value of the account in the account; receiving an instruction from the entity; and deducting a portion of the freely transferrable non-monetary consideration from the account according to the instruction. - View Dependent Claims (38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48)
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49. An apparatus, the apparatus comprising:
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a memory containing instructions; and a processor, operably connected to the memory, that executes the instructions to perform operations comprising; receiving a health care credit, wherein the health care credit represents good health, or improvement in health, or maintenance of health, and wherein the health care credit is a freely transferrable non-monetary consideration; obtaining a market value of the health care credit from a health care credit exchange that is a market where health care credits are bought and sold; calculating a value of the account according to the market value of the health care credit from the health care credit exchange; storing the health care credit and the value of the account in the account, wherein the account is controlled by an entity; receiving an instruction from the entity; and deducting the health care credit from the account according to the instruction. - View Dependent Claims (50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60)
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61. An apparatus, the apparatus comprising:
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a memory containing instructions; and a processor, operably connected to the memory, that executes the instructions to perform operations comprising; receiving a health care credit, wherein the health care credit represents good health, or improvement in health, or maintenance of health, and wherein the health care credit is a freely transferrable non-monetary consideration; calculating a value of the account according to the market value of the health care credit from a health care credit exchange that is a market where health care credits are bought and sold; storing the health care credit and the value of the account in association with the account; transferring the health care credit out of the account. - View Dependent Claims (62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72)
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73. A non-transitory computer-readable medium containing instruction that, when executed by a processor, perform operations comprising:
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receiving a freely transferrable non-monetary consideration that represents good health, or improvement in health, or maintenance of health; storing the freely transferrable non-monetary consideration in an account controlled by an entity; calculating a current value of the account according to a market value of the freely transferrable non-monetary consideration from a health care credit exchange that is a market that freely transfers the freely transferrable non-monetary consideration between and among entities; storing the current value of the account in the account; receiving an instruction from the entity; and deducting a portion of the freely transferrable non-monetary consideration from the account according to the instruction. - View Dependent Claims (74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84)
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85. A non-transitory computer-readable medium containing instruction that, when executed by a processor, perform operations comprising:
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receiving a health care credit, wherein the health care credit represents good health, or improvement in health, or maintenance of health, and wherein the health care credit is a freely transferrable non-monetary consideration; obtaining a market value of the health care credit from a health care credit exchange that is a market where health care credits are bought and sold; calculating a value of the account according to the market value of the health care credit from the health care credit exchange; storing the health care credit and the value of the account in the account, wherein the account is controlled by an entity; receiving an instruction from the entity; and deducting the health care credit from the account according to the instruction. - View Dependent Claims (86, 87, 88, 89, 90, 91, 92, 93, 94, 95, 96)
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97. A non-transitory computer-readable medium containing instruction that, when executed by a processor, perform operations comprising:
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receiving a health care credit, wherein the health care credit represents good health, or improvement in health, or maintenance of health, and wherein the health care credit is a freely transferrable non-monetary consideration; calculating a value of the account according to the market value of the health care credit from a health care credit exchange that is a market where health care credits are bought and sold; storing the health care credit and the value of the account in association with the account; transferring the health care credit out of the account. - View Dependent Claims (98, 99, 100, 101, 102, 103, 104, 105, 106, 107, 108)
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Specification