US5864822A — Benefits tracking and correlation system for use …

Claim 1

Independent Claim 224 words

A computer system for permitting a consumer to more effectively make use of a variety of available benefits from a plurality of goods and service providers, wherein said benefits are offered specifically to those consumers having an association with one or more third party enabling organizations, said computer system comprising: A) means for storing in a memory in the computer system consumer information, enabling organization information and benefit correlation information; B) means for inputting into said computer system identification information for a consumer and a set of consumer purchase plan data for said consumer; C) means for comparing said identification information to said consumer information to determine those enabling organizations, if any, to which said consumer has an affiliation; D) means for analyzing said enabling organization information and said benefit correlation information to determine whether any enabling organization to which the consumer is affiliated is offering a potentially applicable benefit for said purchase plan data and whether said purchase plan data satisfies all requirements for obtaining said potentially applicable benefit; E) means for displaying a message to inform a system user of any available benefit applicable to said purchase plan data; wherein said benefit includes at least one of a discounted rate and any other value available to the consumer as a result of the consumer's membership in said one or more enabling organizations.

Claim 2

Dependent Claim 224 words

A computer system for permitting a consumer to more effectively make use of a variety of available benefits from a plurality of goods and service providers, wherein said benefits are offered specifically to those consumers having an association with one or more third party enabling organizations, said computer system comprising: A) means for storing in a memory in the computer system consumer information, enabling organization information and benefit correlation information; B) means for inputting into said computer system identification information for a consumer and a set of consumer purchase plan data for said consumer; C) means for comparing said identification information to said consumer information to determine those enabling organizations, if any, to which said consumer has an affiliation; D) means for analyzing said enabling organization information and said benefit correlation information to determine whether any enabling organization to which the consumer is affiliated is offering a potentially applicable benefit for said purchase plan data and whether said purchase plan data satisfies all requirements for obtaining said potentially applicable benefit; E) means for displaying a message to inform a system user of any available benefit applicable to said purchase plan data; wherein said benefit includes at least one of a discounted rate and any other value available to the consumer as a result of the consumer's membership in said one or more enabling organizations.

Claim 3

Dependent Claim 33 words

The computer system according to claim 1 further comprising an electronic link to a computer based travel reservation system, said computer based travel reservation system providing additional benefit correlation information concerning travel services.

Claim 4

Dependent Claim 47 words

The computer system according to claim 2 wherein said additional benefit correlation information concerning travel services includes at least one of the group consisting of (1) transportation seating availability, scheduling and pricing, (2) hotel lodging availability, and price information, and (3) rental car availability and price information.

Claim 5

Dependent Claim 35 words

The computer system according to claim 1 further comprising means for displaying a plurality of available benefits applicable to said purchase plan data, said plurality of benefits listed by order of maximum benefit value received.

Claim 6

Dependent Claim 42 words

The computer system according to claim 1 further comprising means for displaying a plurality of available benefits applicable to said purchase plan data, said plurality of benefits listed by order of total cost incurred for satisfying a set of purchase plan data.

Claim 7

Dependent Claim 20 words

The computer system according to claim 1 wherein said purchase plan data can include a plurality of separate purchase plans.

Claim 8

Dependent Claim 36 words

The computer system according to claim 6 further comprising: means for analyzing said enabling organization information and said benefit correlation information to determine a benefit applicable to the combination of said plurality of separate purchase plans.

Claim 9

Dependent Claim 31 words

The computer system according to claim 7 wherein said plurality of separate purchase plans are comprised of at least one of transportation services, hotel services, restaurant services and rental car services.

Claim 10

Dependent Claim 213 words

In a computer system, a method for permitting a consumer to more effectively make use of a variety of available benefits from a plurality of goods and service providers, wherein said benefits are offered specifically to those consumers having an association with one or more third party enabling organizations, said method comprising: A) storing in a memory in the computer system consumer information, enabling organization information and benefit correlation information; B) inputting identification information for a consumer and a set of consumer purchase plan data for said consumer into said computer system by means of a data entry device electronically communicating with said computer system; C) operating the computer system to compare said identification information to said consumer information to determine those enabling organizations, if any, to which said consumer has an affiliation; D) further operating said computer system to determine whether any enabling organization to which the consumer is affiliated is offering a benefit applicable to said purchase plan data; E) displaying a message to inform a system user of any available benefit applicable to said purchase plan data. wherein said benefit includes at least one of a discounted rate and any other value available to the consumer as a result of the consumer's membership in said one or more enabling organizations.

Claim 11

Dependent Claim 213 words

In a computer system, a method for permitting a consumer to more effectively make use of a variety of available benefits from a plurality of goods and service providers, wherein said benefits are offered specifically to those consumers having an association with one or more third party enabling organizations, said method comprising: A) storing in a memory in the computer system consumer information, enabling organization information and benefit correlation information; B) inputting identification information for a consumer and a set of consumer purchase plan data for said consumer into said computer system by means of a data entry device electronically communicating with said computer system; C) operating the computer system to compare said identification information to said consumer information to determine those enabling organizations, if any, to which said consumer has an affiliation; D) further operating said computer system to determine whether any enabling organization to which the consumer is affiliated is offering a benefit applicable to said purchase plan data; E) displaying a message to inform a system user of any available benefit applicable to said purchase plan data. wherein said benefit includes at least one of a discounted rate and any other value available to the consumer as a result of the consumer's membership in said one or more enabling organizations.

Claim 12

Dependent Claim 19 words

The method according to claim 9 wherein said purchase plan data can include a plurality of separate purchase plans.

Claim 13

Dependent Claim 38 words

The method according to claim 10 further comprising: operating the computer system to analyze said enabling organization information and said benefit correlation information to determine a benefit applicable to the combination of said plurality of separate purchase plans.

Claim 14

Dependent Claim 30 words

The method according to claim 11 wherein said plurality of separate purchase plans are comprised of at least one of transportation services, hotel services, restaurant services and rental car services.

Claim 15

Dependent Claim 28 words

The method according to claim 9 further comprising providing an electronic link to a computer based travel reservation system for receiving additional benefit correlation information concerning travel services.

Claim 16

Dependent Claim 47 words

The method according to claim 13 wherein said additional benefit information correlation concerning travel services includes at least one of the group consisting of (1) transportation seating availability, scheduling and pricing information, (2) hotel lodging availability, and price information, and (3) rental car availability and price information.

Claim 17

Dependent Claim 30 words

The method according to claim 9 further comprising the step of displaying a plurality of available benefits applicable to said purchase plan data by order of maximum benefit value received.

Claim 18

Dependent Claim 37 words

The method according to claim 9 further comprising the step of displaying a plurality of available benefits applicable to said purchase plan data by order of total cost incurred for satisfying a set of purchase plan data.

Claim 19

Dependent Claim 241 words

A purchase planning system for permitting a consumer to more effectively make use of a variety of available benefits from a plurality of goods and service providers, wherein said benefits are offered only to those consumers having an association with one or more third party enabling organizations, said system comprising: A) means for storing in machine-readable form a database comprised of: 1. enabling organization information identifying one or more of said enabling organizations which enable benefits from one or more of said goods and service providers; 2. benefits information for each of said enabling organizations, said benefits information identifying specific benefits each of said enabling organizations makes available for individuals associated with each of said enabling organizations; 3. consumer information identifying one or more of said organizations to which an individual travel consumer has an association; B) at least one data entry device for entering data concerning a consumer's purchase plans, and at least one display device for displaying said benefits; C) processor means coupled with said data base, said data entry and said display devices, said processor means responsive to said at least one data entry device, and for determining from said consumer information if a consumer is associated with one or more of said enabling organizations, said processor means automatically identifying benefits enabled by said enabling organization which may be used by a consumer for receiving benefits from goods and service providers which coincide with a consumer's purchase plans.

Claim 20

Dependent Claim 241 words

A purchase planning system for permitting a consumer to more effectively make use of a variety of available benefits from a plurality of goods and service providers, wherein said benefits are offered only to those consumers having an association with one or more third party enabling organizations, said system comprising: A) means for storing in machine-readable form a database comprised of: 1. enabling organization information identifying one or more of said enabling organizations which enable benefits from one or more of said goods and service providers; 2. benefits information for each of said enabling organizations, said benefits information identifying specific benefits each of said enabling organizations makes available for individuals associated with each of said enabling organizations; 3. consumer information identifying one or more of said organizations to which an individual travel consumer has an association; B) at least one data entry device for entering data concerning a consumer's purchase plans, and at least one display device for displaying said benefits; C) processor means coupled with said data base, said data entry and said display devices, said processor means responsive to said at least one data entry device, and for determining from said consumer information if a consumer is associated with one or more of said enabling organizations, said processor means automatically identifying benefits enabled by said enabling organization which may be used by a consumer for receiving benefits from goods and service providers which coincide with a consumer's purchase plans.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	2002-01-25	2002-07-27	2003-01-26	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	2006-01-25	2006-07-27	2007-01-26	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	2010-01-25	2010-07-27	2011-01-26	$7700.00	Window Closed / Lapsed

Benefits tracking and correlation system for use with third-party enabling organization

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