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Apparatuses, methods and systems for a global benefits purse facilitator

  • US 9,659,062 B1
  • Filed: 10/15/2010
  • Issued: 05/23/2017
  • Est. Priority Date: 09/28/2007
  • Status: Active Grant
First Claim
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1. A purse-based global benefits plan facilitating processor-implemented method, comprising:

  • maintaining a database of employee information, having an employee identifier and a purse amount allocated by an employer to a plurality of its employees;

    associating the purse amount with an employee identifier, the purse amount being based on an employment position associated with the employee identifier, wherein the purse amount is further based on at least one token of a descriptive business grammar configured string associated with the employee identifier;

    querying a database of employee information and obtaining employee information;

    obtaining and evaluating a plurality of employee benefit rules for the enterprise from the business grammar rule database, wherein at least one benefit rule relates to employer-specific benefit offered by the employer based on the employee position and determining a plurality of additional employee and other type of information data sources that need to be accessed for evaluation of the employee benefits based on the evaluated benefits rules;

    receiving a selection of benefits offered and maintained by the employer, each benefit having an associated cost, wherein said benefits include employee-specific benefit offerings made available for selection by the employer to the employee;

    providing through a real-time user interface to an individual employee a selection screen displaying the employee-specific benefit offerings made available for selection by the employer to the individual employee;

    obtaining user input from the selection screen for the employee'"'"'s choices of employee-specific offered benefits;

    utilizing a dynamic hierarchical table-tracking string syntax, evaluated user input and the evaluated employee benefit rules for the enterprise to obtain and display a plurality of additional data items for the individual employee, wherein the dynamic table-tracking string syntax is based on user inputs and different strings will be formed in accordance with user input;

    determining a total cost as an aggregate of the associated cost for each benefit of the selection of benefits;

    confirming that the total cost is less than the purse amount;

    automatically comparing and applying the selection of benefits to a plurality of benefit rules, said benefit rules being based on an employment position associated with an employee identifier and employer-specific benefit policies and evaluation of the associated benefit rules;

    allocating a portion of the purse amount to at least one of said selection of benefits based on the evaluated business grammar rules for the plurality of benefits offered and maintained by the employer, and storing an allocation of a remainder of the purse amount toward at least one other benefit of the plurality of benefits offered and maintained by the employer;

    determining presence of at least one universal variable in the additional data items identified after evaluation of the business grammar rules for the enterprise, and, when present, obtain from the database and evaluate said universal variable, wherein said universal variable comprises user-defined intermediate data objects that allows access and selective mapping of logically interrelated table fields in a plurality of disparate relational databases and external data sources containing enterprise-specific and employee-specific data, and wherein the universal data variable is organized into a hierarchical structure following the business grammar construct for the enterprise and each segment of the hierarchy follows a user-defined business grammar token type, and wherein the use of the universal variable for mapping and access is also dependent on the evaluated business grammar rules for the enterprise;

    performing real-time update to modify selectively mapped logically interrelated table fields in the plurality of disparate relational databases and external data sources containing the enterprise-specific and user-specific data to reflect the user selections; and

    creating a benefits package offered by the employer for the employee and associated with the employee identifier if the associated and evaluated business rules are satisfied.

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