Patent ID: 8732001

Claim:
A system for enabling a consumer to obtain a reward through the use of a rewards card containing an identifier unique to said consumer comprising: a temporary medical insurance account corresponding to said unique consumer identifier; and an apparatus comprising: identifier storage means for storing in machine readable form said unique consumer identifier and an indication of whether said consumer qualifies for said reward, said indication initially being that said consumer does not qualify for said reward, questionnaire means for storing a questionnaire in machine readable form, response criteria storage means for storing data indicative of an acceptable response to said questionnaire in machine readable form, testing means for posing questions to said consumer in audio or visual form and receiving from said consumer responses thereto, wherein said testing means is operatively connected to said questionnaire means, comparator means for making a comparison between said data indicative of an acceptable response to said questionnaire and said consumer responses, said comparator means causing said identifier storage means to indicate that said consumer associated with said identifier qualifies for said reward as a function of said comparison, wherein said comparator means is operatively connected to said testing means, said response criteria storage means, and said identifier storage means, funding means for funding said temporary medical insurance account corresponding to said identifier only when the consumer associated with said identifier qualifies for said reward, wherein said funding means is operatively connected to said comparator means, and card reader means for interpreting the identification number on said rewards card and authorizing dispensation of a reward to said consumer from said temporary account, wherein said card reader means is remote from said testing means and operatively connected to said identifier storage means.