Abstract: The present invention will process and combine data from transaction information and create a verifiable data record of the transaction with accompanying terms, conditions, provisions, and parties and perform operational ratings, rankings, probabilities, assignments, and tokenization in various distributed ledger storage systems. The present invention improves the operation of assurances by identifying complementary components that may be integrated, combined, extended, or transformed and thus provide consolidated holistic benefits for the user.

Abstract: A system and process that provides an on-line, interactive, and fully integrated benefit-driven value exchange and settlement program that monitors, evaluates, and manages economic and personal benefits and executes functions to produce and acquire the maximum or preferred benefit items for users by guiding and automating appropriate payment and settlement actions. The present invention finds useful patterns in data; produces conclusions based on rules and experience; responds to environmental changes with or without human intervention; and, may evolve through selecting the best results from random mutations all of which are intended to maximise user value.

Abstract: A system and process that provides an on-line, interactive, and fully integrated benefit-driven value exchange and settlement program that monitors, evaluates, and manages economic and personal benefits and executes functions to produce and acquire the maximum or preferred benefit items for users by guiding and automating appropriate payment and settlement actions. The present invention finds useful patterns in data; produces conclusions based on rules and experience; responds to environmental changes with or without human intervention; and, may evolve through selecting the best results from random mutations all of which are intended to maximise user value.