US 11,238,527 B2Granted

System and method of providing a benefit

AssigneeKashable LLC

InventorsEinat Steklov Hahn, Rishi Kumar

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Abstract

A benefit-provision system is operated by an administrator to provide a benefit from a source, which may be an administrator, to a benefit-eligible recipient who is part of or associated with a sponsored applicant group for which access to the benefit-provision system is being sponsored by a sponsor. A method thereof provides a benefit by an administrator from a source to a benefit-eligible recipient who is part of or associated with a sponsored applicant group for which access to a benefit-provision system is being sponsored by a sponsor.

Claims39

Dependent claims

A system for providing a benefit to a benefit-eligible recipient, wherein the benefit is provided by an administrator from a source to the benefit-eligible recipient, wherein a sponsor is sponsoring an access to the system for the benefit-eligible recipient, and wherein the sponsor and the source are separate entities, the system comprising:

a processor and a memory storing functional units, wherein the functional units comprise a qualification unit, a recipient qualification unit, and a benefit administration unit, and wherein the processor is configured to execute the functional units to perform the steps of:
calculating, by the qualification unit, an initial qualification score for an applicant group associated with the sponsor, wherein the initial qualification score is calculated based on a churn of the applicant group, wherein the initial qualification score is improved by a favorable churn of the applicant group associated with the sponsor, and wherein the benefit-eligible recipient is a member of the applicant group;
determining, by the qualification unit, whether the calculated initial qualification score meets a minimum initial qualification score as a condition to be sponsored by the sponsor and to access the system;
if the minimum initial qualification score is not achieved, repeating the step of calculating an initial qualification score for an applicant group associated with the sponsor with a different applicant group:
when the calculated initial qualification score meets the minimum initial qualification score, determining, by a recipient qualification unit, whether the benefit-eligible recipient is qualified to receive the benefit based on one or more benefit related factors;
when the benefit-eligible recipient is determined to be qualified to receive the benefit, generating, by a benefit administration unit, an information page comprising a graphical benefit evaluator, wherein the information page is displayed via an interactive communications network, wherein the graphical benefit evaluator is displayed in a graphical form and comprises a maximum amount of benefit available to the benefit-eligible recipient that is calculated based on the one or more benefit related factors, wherein the graphical benefit evaluator comprises a slider to allow choosing of an amount of benefit up to the maximum amount of benefit available to the benefit-eligible recipient and an acceptance indicator to allow indication of an acceptance of the chosen amount of benefit, and wherein the graphical benefit evaluator is responsive to changes in the one or more benefit related factors;
recalculating, by the benefit administration unit, the maximum amount of benefit available to the benefit-eligible recipient when there is a change in the one or more benefit related factors;
displaying in the slider, by the graphical benefit evaluator, the maximum amount of benefit available to the benefit-eligible recipient in real time;
choosing, by the benefit-eligible recipient adjusting the slider, an amount of benefit up to the maximum amount available to the benefit-eligible recipient;
and
accepting, by the benefit-eligible recipient using the acceptance indicator, the chosen amount of benefit.

8 more elements

A method for providing a benefit to a benefit-eligible recipient, wherein the benefit is provided by an administrator from a source to the benefit-eligible recipient, wherein a sponsor is sponsoring an access to the system for the benefit-eligible recipient, and wherein the sponsor and the source are separate entities, the method comprising:

calculating, by a qualification unit of a processor, an initial qualification score for an applicant group associated with the sponsor, wherein the initial qualification score is calculated based on a churn of the applicant group, wherein the initial qualification score is improved by a favorable churn of the applicant group associated with the sponsor, and wherein the benefit-eligible recipient is a member of the applicant group;
determining, by the qualification unit of the processor, whether the calculated initial qualification score meets a minimum initial qualification score as a condition to be sponsored by the sponsor and to access the system;
if the minimum initial qualification score is not achieved, repeating the step of calculating an initial qualification score for an applicant group associated with the sponsor with a different applicant group,
when the calculated initial qualification score meets the minimum initial qualification score, determining, by a recipient qualification unit of the processor, whether the benefit-eligible recipient is qualified to receive the benefit based on one or more benefit related factors,
when the benefit-eligible recipient is determined to be qualified to receive the benefit, generating, by a benefit administration unit of the processor, an information page comprising a graphical benefit evaluator, wherein the information page is displayed via an interactive communications network, wherein the graphical benefit evaluator is displayed in a graphical form and comprises a maximum amount of benefit available to the benefit-eligible recipient that is calculated based on the one or more benefit related factors, wherein the graphical benefit evaluator comprises a slider to allow choosing of an amount of benefit up to the maximum amount of benefit available to the benefit-eligible recipient and an acceptance indicator to allow indication of an acceptance of the chosen amount of benefit, and wherein the graphical benefit evaluator is responsive to changes in the one or more benefit related factors;
recalculating, by the benefit administration unit of the processor, the maximum amount of benefit available to the benefit-eligible recipient when there is a change in the one or more benefit related factors;
displaying in the slider, by the graphical benefit evaluator, the maximum amount of benefit available to the benefit-eligible recipient in real time;
choosing, by the benefit-eligible recipient adjusting the slider, an amount of benefit up to the maximum amount available to the benefit-eligible recipient;
and
accepting, by the benefit-eligible recipient using the acceptance indicator, the chosen amount of benefit.

7 more elements

A non-transitory computer-readable storage medium storing instructions for providing a benefit to a benefit-eligible recipient, wherein the benefit is provided by an administrator from a source to the benefit-eligible recipient, wherein a sponsor is sponsoring an access to the system for the benefit-eligible recipient, and wherein the sponsor and the source are separate entities, that, when executed by a processor, cause the processor to perform operations comprising:

calculating, by a qualification unit of the processor, an initial qualification score for an applicant group associated with the sponsor, wherein the initial qualification score is calculated based on a churn of the applicant group, wherein the initial qualification score is improved by a favorable churn of the applicant group associated with the sponsor, and wherein the benefit-eligible recipient is a member of the applicant group;
determining, by the qualification unit of the processor, whether the calculated initial qualification score meets a minimum initial qualification score as a condition to be sponsored by the sponsor and to access the system;
if the minimum initial qualification score is not achieved, repeating the step of calculating an initial qualification score for an applicant group associated with the sponsor with a different applicant group,
when the calculated initial qualification score meets the minimum initial qualification score, determining, by a recipient qualification unit of the processor, whether the benefit-eligible recipient is qualified to receive the benefit based on one or more benefit related factors;
when the benefit-eligible recipient is determined to be qualified to receive the benefit, generating, by a benefit administration unit of the processor, an information page comprising a graphical benefit evaluator, wherein the information page is displayed via an interactive communications network, wherein the graphical benefit evaluator is displayed in a graphical form and comprises a maximum amount of benefit available to the benefit-eligible recipient that is calculated based on the one or more benefit related factors, wherein the graphical benefit evaluator comprises a slider to allow choosing of an amount of benefit up to the maximum amount of benefit available to the benefit-eligible recipient and an acceptance indicator to allow indication of an acceptance of the chosen amount of benefit, and wherein the graphical benefit evaluator is responsive to changes in the one or more benefit related factors;
recalculating, by the benefit administration unit of the processor, the maximum amount of benefit available to the benefit-eligible recipient when there is a change in the one or more benefit related factors;
displaying in the slider, by the graphical benefit evaluator, the maximum amount of benefit available to the benefit-eligible recipient in real time;
choosing, by the benefit-eligible recipient adjusting the slider, an amount of benefit up to the maximum amount available to the benefit-eligible recipient;
and
accepting, by the benefit-eligible recipient using the acceptance indicator, the chosen amount of benefit.

7 more elements

Dependencies are inferred from the claim text.

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Abstract

a processor and a memory storing functional units, wherein the functional units comprise a qualification unit, a recipient qualification unit, and a benefit administration unit, and wherein the processor is configured to execute the functional units to perform the steps of:
calculating, by the qualification unit, an initial qualification score for an applicant group associated with the sponsor, wherein the initial qualification score is calculated based on a churn of the applicant group, wherein the initial qualification score is improved by a favorable churn of the applicant group associated with the sponsor, and wherein the benefit-eligible recipient is a member of the applicant group;
determining, by the qualification unit, whether the calculated initial qualification score meets a minimum initial qualification score as a condition to be sponsored by the sponsor and to access the system;
if the minimum initial qualification score is not achieved, repeating the step of calculating an initial qualification score for an applicant group associated with the sponsor with a different applicant group:
when the calculated initial qualification score meets the minimum initial qualification score, determining, by a recipient qualification unit, whether the benefit-eligible recipient is qualified to receive the benefit based on one or more benefit related factors;
when the benefit-eligible recipient is determined to be qualified to receive the benefit, generating, by a benefit administration unit, an information page comprising a graphical benefit evaluator, wherein the information page is displayed via an interactive communications network, wherein the graphical benefit evaluator is displayed in a graphical form and comprises a maximum amount of benefit available to the benefit-eligible recipient that is calculated based on the one or more benefit related factors, wherein the graphical benefit evaluator comprises a slider to allow choosing of an amount of benefit up to the maximum amount of benefit available to the benefit-eligible recipient and an acceptance indicator to allow indication of an acceptance of the chosen amount of benefit, and wherein the graphical benefit evaluator is responsive to changes in the one or more benefit related factors;
recalculating, by the benefit administration unit, the maximum amount of benefit available to the benefit-eligible recipient when there is a change in the one or more benefit related factors;
displaying in the slider, by the graphical benefit evaluator, the maximum amount of benefit available to the benefit-eligible recipient in real time;
choosing, by the benefit-eligible recipient adjusting the slider, an amount of benefit up to the maximum amount available to the benefit-eligible recipient;
and
accepting, by the benefit-eligible recipient using the acceptance indicator, the chosen amount of benefit.

8 more elements