Abstract: A web based electronic system with the capacity to record vital behavioral information while providing a platform for participating insurance companies to offer incentives for patients to engage in specific preventive care and/or health promotion practices. The system includes either an electronic funds transfer card that can be used as a debit or charge card to purchase goods and services, or a magnetic strip card as an ID to record the transaction. At checkout, the system operates invisibly to the consumer and the cashier. Approval of the transaction operates similarly to a conventional debit card or credit card. All incentives are managed by the data clearinghouse which receives patient data and provider data. The clearinghouse communicates with the insurance company and forwards a statement which displays the historical behavior.

Abstract: An electronic fund transfer system that provides vital marketing information to participating merchants and purchasing records to customers while offering the most efficient and effective system to deliver the best terms and conditions for the products and services requested by customers. The system includes an electronic funds transfer card that can be used as a debit or charge card to purchase goods and services. At checkout, the system operates invisibly to the consumer and the cashier. Approval of the transaction operates similarly to a conventional debit card or credit card. All discounts are managed by the data clearinghouse which receives consumer data and merchant data. The clearinghouse communicates with the financial institution and forwards a statement which displays the accumulated discounts to the consumer.