Systems and methods for health care credit transactions
AssigneeStage 5 Innovation, LLC
InventorsAndrew M. Saidel, David K. Rosen
Life of this patent
Estimating the term…
Abstract
Systems, methods, and computer program media for creating, managing, backing, and transferring health care credits are described. Health care credits may be implemented as freely transferable financial instruments whose initial value is based on costs or savings generated by an individual, or by a health care provider, that are associated with a health-related metric or a health benefiting behavior(s).
Claims30
A method, implemented using a server system, for facilitating health care credit transactions, the method comprising:
- receiving via a network, at a server system, information indicating health care credits calculated and awarded based on data indicative of individuals' health or behaviors affecting individuals' health;
- associating the health care credits with entities by updating, at a database in communication with the server system, profiles or data files associated with the entities;
- enabling access, over the network, to one or more accounts containing the health care credits;
- receiving via the network, at the server system a first indication, the first indication indicating a desire or permission to transfer an interest in one or more health care credits;
- and
- receiving via the network, at the server system a second indication, the second indication indicating a desire to receive the interest in the one or more health care credits;
- in response to the first indication and the second indication, executing, using the server system and the database, a transaction to transfer the one or more health care credits from an account associated with the first indication.
A method, implemented using a computing system, for providing a health care credit program, the method comprising:
- receiving, over a network, data indicative of a metric of an individual's health or a behavior affecting the individual's health;
- processing the data to calculate a health care credit amount to award the individual, based on the metric or the behavior;
- associating with the individual a health care credit corresponding to the health care credit amount, by updating a profile or data file associated with the individual;
- and
- enabling the individual to receive value associated with the health care credit by enabling the individual to access, over a network, an account containing the health care credit, and use the health care credit as a transferable financial instrument.
A method, implemented using a computing system, for providing a health care credit program, the method comprising:
- receiving, over a network, data indicative of a metric of an individual's health or a behavior affecting the individual's health;
- processing the data to calculate a health care credit amount to award the individual, based on the metric or the behavior;
- associating with the individual a health care credit corresponding to the health care credit amount, by creating or updating a profile or data file associated the individual;
- and
- creating a transferable financial instrument associated with the health care credit that is recognized as having value and convertible to other forms of value.
A method, implemented using a computing system, for providing health care credit market transactions, the method comprising:
- receiving, over a network, data indicative of a metric of the health of a plurality of individuals or behaviors affecting the health of a plurality of individuals;
- processing the data to calculate a health care credit amount to award to one or more of the individuals, based on one or more of a metric or a behavior identified in the data;
- associating with one or more of the individuals a health care credit corresponding to a respective health care credit amount, by updating a profile or data file associated the corresponding individual;
- creating a plurality of transferable financial instruments associated with the health care credits, wherein the transferable financial instruments are payable to the one or more of the individuals;
- and
- enabling individuals to buy, sell, transfer, or use the transferable financial instruments by enabling individuals to access the health care credits over a network.
Dependencies are inferred from the claim text.