Systems and methods for health care credit transactions
AssigneeStage 5 Innovation, LLC
InventorsAndrew M. Saidel, David K. Rosen
Life of this patent
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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 can be 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).
Claims45
A method, implemented using a computing system, of managing a health care credit, the method comprising:
- receiving a metric measuring health, maintenance of health, or an improvement in health for an individual;
- calculating, using the computing system, an amount of freely transferable non-monetary consideration to award to the individual based on the metric;
- and
- updating, using the computing system, a health care profile associated with the individual by storing the metric and the calculated amount of freely transferable non-monetary consideration in a storage device that includes the health care profile.
An apparatus comprising:
- a memory containing instructions;
- and
- a processor, operably connected to the memory, that executes the instructions to perform operations comprising:
- receiving a metric measuring health, maintenance of health, or an improvement in health for an individual;
- calculating an amount of freely transferable non-monetary consideration to award to the individual based on the metric;
- and
- updating a health care profile associated with the individual using the metric and the calculated amount of freely transferable non-monetary consideration.
A non-transitory computer-readable medium containing instruction that, when executed by a processor, perform operations comprising:
- receiving a metric measuring health, maintenance of health, or an improvement in health for an individual;
- calculating an amount of freely transferable non-monetary consideration to award to the individual based on the metric;
- and
- updating a health care profile associated with the individual using the metric and the calculated amount of freely transferable non-monetary consideration.
A method, implemented using a computing system, for administering a health care derivative, the method comprising:
- creating the health care derivative, wherein the health care derivative has a monetary value that depends upon fulfilling a condition related to health care, wherein the condition is specified by the health care derivative;
- collecting data related to health care and the condition specified by the health care derivative;
- determining, using the computing system and from the data, whether the condition has been fulfilled;
- increasing, using the computing system, the monetary value of the health care derivative when the condition has been fulfilled.
An apparatus comprising:
- a memory containing instructions;
- and
- a processor, operably connected to the memory, that executes the instructions to perform operations comprising:
- creating a health care derivative, wherein the health care derivative has a monetary value that depends upon fulfilling a condition related to health care, wherein the condition is specified by the health care derivative;
- collecting data related to health care and the condition specified by the health care derivative;
- determining, from the data, whether the condition has been fulfilled;
- increasing the monetary value of the health care derivative when the condition has been fulfilled.
A non-transitory computer-readable medium containing instruction that, when executed by a processor, perform operations comprising:
- creating a health care derivative, wherein the health care derivative has a monetary value that depends upon fulfilling a condition related to health care, wherein the condition is specified by the health care derivative;
- collecting data related to health care and the condition specified by the health care derivative;
- determining, from the data, whether the condition has been fulfilled;
- increasing the monetary value of the health care derivative when the condition has been fulfilled.
Dependencies are inferred from the claim text.