Virtuous cycle business growth

摘要

Systems and methods are disclosed that allow an insurance company to provide awards to its agents in a manner that encourages the agents to purchase goods and services that will assist the agents in growing, branding, and/or managing his or her business. Computer systems are programmed with computer-executable instructions to determine an allocation of funds to be granted to an agent and to limit the use of the funds to goods and services identified as assisting the agent in the growth, branding, or management of his or her business.

主权项

1. A funds allocation, management and display system comprising:
an agent performance database that includes data structures that represent insurance policies and information that includes both relative and absolute performance of one of a first plurality of agents, wherein the agent performance database further includes information related to promotions in which the one of the first plurality of agents has participated, wherein the promotions relate to sales of specific insurance policies at discounted rates and enrollment of customers in automatic payment plans and auto club memberships, wherein the promotions are used to determine an amount of funds to be allocated to each of the first plurality of agents; a first fund allocation database that includes data structures that represent a total amount of first funds to be allocated to the first plurality of agents; a first fund allocation processor that allocates a portion of the first funds at a first time to at least one of an agent account and a first declining balance card associated with the one of the first plurality of agents based on data received from the agent performance database and the first fund allocation database; a vendor database that includes data regarding a plurality of qualifying vendors; a goods database that includes data regarding a plurality of qualifying goods; an agent purchases database that includes a data structure that represents tangible goods purchased by the one of the first plurality of agents utilizing the portion of the allocated first funds; an agent improper purchase attempt database that includes a data structure that includes data regarding attempts by the one of the first plurality of agents to purchase products within the group consisting of products that are non-qualifying products and products provided by non-qualifying vendors; the first fund allocation processor further allocating a portion of second funds at a second time to at least one of the agent account and the first declining balance card based on a first data set that includes data received from the agent performance database, the second fund allocation database, the agent purchases database and the agent improper purchase attempt database, wherein the data received from the agent purchases database includes data regarding goods purchased by the one of the first plurality of agents utilizing the portion of the allocated first funds; a fund restriction processor that places restrictions on at least one of the first funds and the second funds based on data received from the vendor database regarding non-qualifying vendors and data received from the goods database regarding non-qualifying goods; an agent account graphical user display that displays the amount of at least one of the first funds and the second funds; and an agent purchase graphical user display that displays electronic information representing goods purchased by the one of the first plurality of agents.