Abstract: An electronic timeline is established to include items to be completed. A projected set of variables is matched to the items to be completed. The variables are also matched with a corresponding mark showing total progress along the electronic timeline. In a new period, the mark showing total progress prior to the new period is compared against the electronic timeline. When a predetermined event occurs, the variable to apply for the new period is identified by matching the mark showing total progress prior to receipt of confirmation of completion of the new item with two closest marks showing total progress on the electronic timeline, and by calculating an interpolated variable from two variables from the projected set of variables that correspond to the two closest marks showing total progress. The interpolated variable is applied for the period to generate a new cumulative score showing total progress for the account.

Abstract: A health insurance product is provided for an insurance plan holder having a health insurance plan. For a first period, a periodic contribution payment for the health insurance plan is collected and aggregated as an insurance savings allocation balance of collected periodic contribution payments from the first period and at least a period immediately previous to the first period. A new periodic multiplier contribution for the first period is obtained by multiplying the periodic contribution payment for the first period by a variable multiplier that is variable for each period. A new cumulative multiplier contribution balance for the first period is determined, using a tangible computer processor, by adding the new periodic multiplier contribution obtained to a previous cumulative multiplier contribution balance determined for the period immediately previous to the first period.