+

US20070033134A1 - Automatic Savings Program - Google Patents

Automatic Savings Program Download PDF

Info

Publication number
US20070033134A1
US20070033134A1 US11/161,418 US16141805A US2007033134A1 US 20070033134 A1 US20070033134 A1 US 20070033134A1 US 16141805 A US16141805 A US 16141805A US 2007033134 A1 US2007033134 A1 US 2007033134A1
Authority
US
United States
Prior art keywords
amount
savings amount
account
savings
crediting
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
US11/161,418
Other languages
English (en)
Inventor
Daniel Carretta
Thomas Hancock
Karen Lewy
Charles Liu
Jack Meyers
Sheryl Strott
Faith Tucker
Carrie Williams
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Bank of America Corp
Original Assignee
Bank of America Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to US11/161,418 priority Critical patent/US20070033134A1/en
Application filed by Bank of America Corp filed Critical Bank of America Corp
Assigned to BANK OF AMERICA CORPORATION reassignment BANK OF AMERICA CORPORATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: CARRETTA, DANIEL A., LEWY, KAREN K., LIU, CHARLES R., STROTT, SHERYL W., WILLIAMS, CARRIE A., HANCOCK, THOMAS M., TUCKER, FAITH A., MEYERS, JACK
Priority to EP06789359A priority patent/EP1915731A4/fr
Priority to PCT/US2006/030362 priority patent/WO2007016697A2/fr
Priority to CA002617837A priority patent/CA2617837A1/fr
Priority to CNA2006800342642A priority patent/CN101268485A/zh
Publication of US20070033134A1 publication Critical patent/US20070033134A1/en
Priority to US12/554,395 priority patent/US8301530B2/en
Priority to US13/613,433 priority patent/US8635137B2/en
Priority to US14/109,269 priority patent/US10628808B2/en
Priority to US16/817,785 priority patent/US11526856B2/en
Priority to US17/983,088 priority patent/US11810082B2/en
Priority to US18/373,720 priority patent/US20240020662A1/en
Abandoned legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • One embodiment of the present invention is directed to the computer processing of a consumer savings program. More particularly, one embodiment of the present invention is directed to the computer processing of a consumer savings program that provides for automatic savings during any transaction.
  • a consumer can save funds in a bank account by making deposits into the account or by transferring funds from another account. Further, they can automate the savings function by setting up recurring transfers from another account.
  • the recurring transfer function is limited by the requirement to set a specific and minimum transfer amount and the need for the transfer to occur on a particular schedule. The recurring transfer function does not adequately support the flexibility of daily or small amount transfers.
  • grandparents or other relatives or friends sometimes desire to contribute money to somebody else's (e.g., a grandchild's) savings account. These contributors likely desire an automatic and pain free way to facilitate such a transfer of funds.
  • One embodiment of the present invention is a computer implemented method of processing a financial transaction executed by first person.
  • the method includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar.
  • the method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.
  • FIG. 1 is an overview diagram of a system in accordance with one embodiment of the present invention.
  • FIG. 2 is a flow diagram of the functionality performed by a server in accordance with one embodiment of the present invention in order to enroll a customer in the automatic savings program.
  • FIG. 3 is a flow diagram of the functionality performed by a server in accordance with one embodiment of the present invention to daily process the automatic savings transaction.
  • FIG. 4 is a flow diagram of the functionality performed by a server in accordance with one embodiment of the present invention to perform a daily posting of the automatic savings transaction.
  • FIG. 5 is a flow diagram of the functionality performed by a server in accordance with one embodiment of the present invention to implement a matching process in conjunction with the automatic savings program.
  • One embodiment of the present invention is a computer implemented savings program in which each financial transaction by a customer of a bank or other financial institution automatically generates a savings amount which is deposited in the customer's or somebody else's savings account. Thus the customer can accumulate savings conveniently and painlessly.
  • FIG. 1 is an overview diagram of a system 10 in accordance with one embodiment of the present invention.
  • System 10 includes a point of sale device (“POS”) 12 coupled to a computer server 16 via a network 14 .
  • POS point of sale device
  • POS 12 is an electronic cash register that includes a barcode reader 9 that is used to read barcodes on products and to automatically enter the products and prices into POS 12 .
  • POS 12 further includes a card reader 11 that reads account information from a credit card, debit card, or any other type of financial device that can be used to purchase an item.
  • POS 12 may include other devices, such as a keypad, that can also be use to read account information for facilitating a transaction.
  • POS 12 is located at a retailer.
  • Network 14 can be any type of network or communication device that allows POS 12 to communicate with server 16 .
  • Network 14 includes one or more routers or computer systems.
  • network 14 includes a computer system operated by the issuer of the credit card or debit card/check card used to make a purchase at POS 12 (e.g., a computer system operated by VISA).
  • Server 16 is a computer system operated by a bank or other financial institution that is implementing an embodiment of the present invention.
  • Server 16 may be any type of computer or other device that is capable of communicating with network 14 and executing software steps.
  • server 16 includes a processor, memory and communication interface.
  • FIG. 2 is a flow diagram of the functionality performed by server 16 in accordance with one embodiment of the present invention in order to enroll a customer in the automatic savings program.
  • the functionality of FIG. 2 , and FIGS. 3-5 disclosed below is implemented by software stored in memory and executed by a processor. In other embodiments, the functionality can be performed by hardware, or any combination of hardware and software.
  • Account set-up and maintenance screens/interfaces are accessed in response to a customer request to enroll in the automatic savings program ( 50 ).
  • the screens/interfaces are accessed by bank personnel at a terminal locally or remotely connected to server 16 .
  • a user may access the screens/interfaces at a terminal remotely connected to server 16 through network 14 .
  • the checking account that is the source of the automatic savings amount is selected.
  • the eligible source accounts are displayed from the customer's profile ( 51 ).
  • another type of account instead of a checking account can be used, as long as the selected account is a source of funds.
  • the types of debits/transactions that are to be “round up” are selected. “Round up” refers to one method used to calculate a savings amount from a transaction.
  • the round up amount is an amount of excess funds produced by applying a rounder transaction to the amount of a transaction such as a credit/debit card charge at POS 12 . If the rounder transaction rounds up to the nearest dollar, for example, a purchase made for $54.08 would generate a rounded amount of $0.92.
  • Other embodiments of the present invention may round up to a predetermined amount besides the nearest dollar. Still further, other embodiments of the present invention may calculate the savings amount using a method other than round up.
  • a fixed percentage can be applied to each transaction to calculate a savings amount, or a fixed amount of money (e.g., $1.50) can be considered the savings amount.
  • the available debits/transaction types to be round up are displayed ( 52 ) and can include only check card/debit card POS transactions, or any other types of debits.
  • Example of other debits that can be the subject of round up or other calculation of a savings amount include paper checks, electronic bill pay, electronic checks, automatic payments and Automated Clearing House (“ACH”) transfers.
  • the recipient account or accounts for the savings amount is selected based on the displayed eligible recipient accounts and % fields or the account number can be inputted.
  • possible recipient accounts include the customer's own savings account, person to person transfer (e.g., a grandparent's round ups being credited to a grandchild's savings account or 529 college savings plan), charities, investment accounts, etc.
  • any account that can accept transfers can be eligible for selection. If multiple recipient accounts are selected, the customer can choose a percentage distribution for each of the accounts, or another mechanism that can be used to divide the savings amount between the multiple accounts.
  • the name to display on the recipient's account statement as the source of the transfer is input.
  • the name may be customized to a maximum number of characters or may default to a pre-set description.
  • the account statement might state “a Transfer From Grandma”.
  • the customer is given disclosures that for example, describe the customer's selections and the legal ramifications of such selections.
  • An embodiment of the present invention also allows the customer to modify parameters or discontinue enrollment at any time remotely using an online banking feature or other remote computing technology.
  • FIG. 3 is a flow diagram of the functionality performed by server 16 in accordance with one embodiment of the present invention to daily process the automatic savings transaction.
  • the debit to the source account (e.g., check card POS, check, etc.) selected at 102 is authorized.
  • the debit transaction such as a purchase at POS 12 using a debit card, is processed.
  • the debit transaction is posted to the source account.
  • the round up amount (or other savings amount) for each eligible debit transaction is determined. This occurs on a daily basis.
  • All round up amounts are aggregated. This occurs on a daily basis. By aggregating the round ups for one daily posting, overdrafts to the source account can be avoided. In one embodiment, the daily posting occurs at the end of the day to further avoid overdrafts.
  • FIG. 4 is a flow diagram of the functionality performed by server 16 in accordance with one embodiment of the present invention to perform a daily posting of the automatic savings transaction.
  • FIG. 5 is a flow diagram of the functionality performed by server 16 in accordance with one embodiment of the present invention to implement a matching process in conjunction with the automatic savings program.
  • a bank or other organization can implement the matching process in order to encourage more customers to enroll in the automatic savings program, or to encourage customers to modify their behavior for the benefit of the bank, such as to use their debit cards more often, use checks less, switch to electronic statements, use check safekeeping, etc.
  • the bank can offer to match the round up or other savings amount for a fixed time period, a permanent time period, or other type of arrangement (e.g., every 10th transaction, $0.05 for every transaction, etc.).
  • the customer data file for the automatic savings program is pulled.
  • the data file stores all transactions eligible for matching and other data, such as the length of enrollment for the customer, that can be used to determine if the customer has met the matching incentive criteria.
  • the matching funds credit transaction is calculated.
  • the matching funds is then posted to the recipient account ( 406 ).
  • an automatic savings program in accordance to embodiments of the invention provides an easy and automatic method for a customer to save, and can encourage increased savings.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
US11/161,418 2005-08-02 2005-08-02 Automatic Savings Program Abandoned US20070033134A1 (en)

Priority Applications (11)

Application Number Priority Date Filing Date Title
US11/161,418 US20070033134A1 (en) 2005-08-02 2005-08-02 Automatic Savings Program
EP06789359A EP1915731A4 (fr) 2005-08-02 2006-08-02 Programme d'economies automatiques
PCT/US2006/030362 WO2007016697A2 (fr) 2005-08-02 2006-08-02 Programme d'economies automatiques
CA002617837A CA2617837A1 (fr) 2005-08-02 2006-08-02 Programme d'economies automatiques
CNA2006800342642A CN101268485A (zh) 2005-08-02 2006-08-02 自动存款方案
US12/554,395 US8301530B2 (en) 2005-08-02 2009-09-04 Automatic savings program
US13/613,433 US8635137B2 (en) 2005-08-02 2012-09-13 Automatic savings program
US14/109,269 US10628808B2 (en) 2005-08-02 2013-12-17 Automatic savings program
US16/817,785 US11526856B2 (en) 2005-08-02 2020-03-13 Automatic savings program
US17/983,088 US11810082B2 (en) 2005-08-02 2022-11-08 Automatic savings program
US18/373,720 US20240020662A1 (en) 2005-08-02 2023-09-27 Automatic Savings Program

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US11/161,418 US20070033134A1 (en) 2005-08-02 2005-08-02 Automatic Savings Program

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US12/554,395 Continuation US8301530B2 (en) 2005-08-02 2009-09-04 Automatic savings program

Publications (1)

Publication Number Publication Date
US20070033134A1 true US20070033134A1 (en) 2007-02-08

Family

ID=37709380

Family Applications (7)

Application Number Title Priority Date Filing Date
US11/161,418 Abandoned US20070033134A1 (en) 2005-08-02 2005-08-02 Automatic Savings Program
US12/554,395 Active US8301530B2 (en) 2005-08-02 2009-09-04 Automatic savings program
US13/613,433 Active US8635137B2 (en) 2005-08-02 2012-09-13 Automatic savings program
US14/109,269 Active US10628808B2 (en) 2005-08-02 2013-12-17 Automatic savings program
US16/817,785 Active 2025-08-30 US11526856B2 (en) 2005-08-02 2020-03-13 Automatic savings program
US17/983,088 Active US11810082B2 (en) 2005-08-02 2022-11-08 Automatic savings program
US18/373,720 Pending US20240020662A1 (en) 2005-08-02 2023-09-27 Automatic Savings Program

Family Applications After (6)

Application Number Title Priority Date Filing Date
US12/554,395 Active US8301530B2 (en) 2005-08-02 2009-09-04 Automatic savings program
US13/613,433 Active US8635137B2 (en) 2005-08-02 2012-09-13 Automatic savings program
US14/109,269 Active US10628808B2 (en) 2005-08-02 2013-12-17 Automatic savings program
US16/817,785 Active 2025-08-30 US11526856B2 (en) 2005-08-02 2020-03-13 Automatic savings program
US17/983,088 Active US11810082B2 (en) 2005-08-02 2022-11-08 Automatic savings program
US18/373,720 Pending US20240020662A1 (en) 2005-08-02 2023-09-27 Automatic Savings Program

Country Status (5)

Country Link
US (7) US20070033134A1 (fr)
EP (1) EP1915731A4 (fr)
CN (1) CN101268485A (fr)
CA (1) CA2617837A1 (fr)
WO (1) WO2007016697A2 (fr)

Cited By (50)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20070288313A1 (en) * 2006-06-09 2007-12-13 Mark Brodson E-Coupon System and Method
US20070294166A1 (en) * 2006-06-17 2007-12-20 Phil Cello Add on investment technology and purchase plus
US20080251988A1 (en) * 2001-02-19 2008-10-16 Silverbrook Research Pty Ltd Printer incorporating interposed air expulsion and air suction nozzles
US20080255951A1 (en) * 2007-04-16 2008-10-16 Miller Peggy A Method for generation of excess funds from credit instruments earmarked for personal use and distribution
US20080313077A1 (en) * 2007-06-15 2008-12-18 Schropfer David W System and method for coordinating charitable contributions
US7480634B1 (en) 2001-04-17 2009-01-20 Cornelius Marketing Method and system for saving and investing through use of a money management card and pooled investment accounts
US20090063332A1 (en) * 2007-08-29 2009-03-05 Wachovia Corporation Flexible automatic savings programs
US20090094110A1 (en) * 2007-10-05 2009-04-09 Hoque Mohammad M Flexible savings system
US20090106115A1 (en) * 2004-12-01 2009-04-23 James Vicki L E-Coupon Settlement and Clearing Process
US7725391B1 (en) * 2008-09-29 2010-05-25 The Pnc Financial Services Group, Inc. Savings system based on time of transaction
US20100138287A1 (en) * 2007-10-05 2010-06-03 Hoque Mohammad M Flexible Savings System
US20100228672A1 (en) * 2009-03-03 2010-09-09 Quercus (BVI) Limited System and method for executing an electronic payment
US20100228669A1 (en) * 2009-03-03 2010-09-09 Aly Karim System and method for executing a financial transaction
US20100299186A1 (en) * 2009-05-20 2010-11-25 Valerie Felice Cameo Methods and devices for savings participation
US8214287B1 (en) * 2007-12-12 2012-07-03 Ernest Garfield System for collecting and distributing charitable contributions
US20130060692A1 (en) * 2011-09-01 2013-03-07 Bank Of America Corporation Access Control for a Financial Account
US8416924B1 (en) * 2006-10-10 2013-04-09 United Services Automobile Association (Usaa) Methods and systems for customer directed rounded purchase amount investments
US8548906B1 (en) 2008-01-24 2013-10-01 Intuit Inc. Method and apparatus for automatic savings upon event detection
US20150081411A1 (en) * 2008-02-08 2015-03-19 Bank Of America Corporation Enhanced Automatic Savings Program
WO2015044925A3 (fr) * 2013-09-30 2015-06-11 Novelo Segura Octavio Procédé et système permettant d'augmenter une épargne par l'intermédiaire d'un appareil mobile portatif ou d'internet
US20150371208A1 (en) * 2014-06-20 2015-12-24 King Hei Sin Method and system for micro-accumulation of funds
US9824393B2 (en) 2013-12-27 2017-11-21 Mastercard International Incorporated Methods and systems for managing consumer savings with credit card transactions
WO2017204310A1 (fr) * 2016-05-27 2017-11-30 株式会社野村総合研究所 Système, programme et procédé de transfert/cumul de fonds fractionnaires
JP2017211996A (ja) * 2017-06-28 2017-11-30 株式会社野村総合研究所 端数資金振替蓄積システム、プログラム及び方法
JP6337224B1 (ja) * 2018-01-17 2018-06-06 Ｔｏｒａｎｏｔｅｃ株式会社 情報処理装置
JP6353177B1 (ja) * 2018-02-08 2018-07-04 Ｔｏｒａｎｏｔｅｃ株式会社 情報処理装置
WO2018221344A1 (fr) * 2017-06-01 2018-12-06 株式会社野村総合研究所 Système de transfert et d'accumulation de fonds divisionnaires
US10157420B2 (en) * 2015-09-03 2018-12-18 Bank Of America Corporation Systems and methods for additional notification and inputs of electronic transaction processing results
US10169749B2 (en) 2015-09-03 2019-01-01 Bank Of America Corporation Systems and methods for tracking and adjustment of electronic transaction processing results
US10169820B2 (en) 2015-09-03 2019-01-01 Bank Of America Corporation Systems and methods for display notifications for routing of electronic transaction processing results
US10290051B1 (en) 2008-06-18 2019-05-14 The Pnc Financial Services Group, Inc. Savings system based on cent portion of transaction amount
US10628808B2 (en) 2005-08-02 2020-04-21 Bank Of America Corporation Automatic savings program
US20200126105A1 (en) * 2015-07-02 2020-04-23 Jpmorgan Chase Bank, N.A. System and method for assisting customers achieve purchase goals
US10817880B2 (en) 2015-09-03 2020-10-27 Bank Of America Corporation In-it-together savings goal feature
US10817934B2 (en) 2015-09-03 2020-10-27 Bank Of America Corporation Single enrollment process for all payment vehicles
US10817933B2 (en) 2015-09-03 2020-10-27 Bank Of America Corporation Financial health smartwatch
JP2020187803A (ja) * 2020-08-24 2020-11-19 株式会社野村総合研究所 情報処理システム、プログラム及び方法
USD927508S1 (en) 2013-03-14 2021-08-10 Acorns Grow Incorporated Mobile device screen or portion thereof with graphical user interface
USD927521S1 (en) 2019-12-09 2021-08-10 Acorns Grow Incorporated Mobile device screen or portion thereof with a graphical user interface
USD928190S1 (en) 2013-03-14 2021-08-17 Acorns Grow Incorporated Mobile device screen or portion thereof with an animated graphical user interface
USD928799S1 (en) 2018-07-19 2021-08-24 Acorns Grow Incorporated Mobile device screen or portion thereof with graphical user interface
JP2022050583A (ja) * 2020-08-24 2022-03-30 株式会社野村総合研究所 情報処理システム
US11348179B2 (en) 2012-02-06 2022-05-31 Acorns Grow Inc. Point of sale computer-implemented investment management technology
USD969818S1 (en) 2013-03-14 2022-11-15 Acorns Grow Inc. Mobile device screen with graphical user interface
USD972577S1 (en) 2013-03-14 2022-12-13 Acorns Grow Inc. Mobile device screen with a graphical user interface
US11567655B2 (en) 2019-02-21 2023-01-31 Acorns Grow Incorporated Secure signature creation on a secondary device
US11631067B2 (en) 2021-01-20 2023-04-18 Bank Of America Corporation Artificial intelligence (AI) architecture with smart, automated triggers of incoming and outgoing actions and usage
US11748821B1 (en) * 2016-07-28 2023-09-05 United Services Automobile Association (Usaa) Systems and methods for managing and reducing spending
US11798071B2 (en) * 2020-04-15 2023-10-24 Capital One Services, Llc Computer-based systems with tools designed for real-time reconfiguring a plurality of distinct databases and methods of use thereof
US12026779B2 (en) * 2012-02-06 2024-07-02 Acorns Grow Incorporated Systems and methods for creating excess funds from retail transactions and apportioning those funds into investments

Families Citing this family (28)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20120047008A1 (en) * 2010-08-17 2012-02-23 Beezag Inc. Selective Distribution Of Rewards
US11544749B2 (en) 2012-01-10 2023-01-03 Change Up Inc. Consumer controlled portfolio charitable giving system and method
US20150161685A1 (en) * 2012-01-10 2015-06-11 Robert W. Soderstrom Gaming system for facilitating competition between fundraising campaigns
US10991015B2 (en) 2012-01-10 2021-04-27 Change Up Inc. Consumer controlled portfolio charitable giving system
US11556965B2 (en) 2012-01-10 2023-01-17 Change Up Inc. Consumer controlled portfolio charitable giving system and method
US9495708B2 (en) 2012-06-11 2016-11-15 Acorns Grow Incorporated Systems and methods for managing electronic interactive gaming-based investments
CH707066A1 (fr) * 2012-10-05 2014-04-15 Veysel Kavun Système et procédé de financement pour communications électroniques.
US20140244487A1 (en) * 2013-02-28 2014-08-28 Maxwell Seligmann Fund Transfer Using Near Field Communication
US11176614B1 (en) 2013-03-14 2021-11-16 Acorns Grow Incorporated Systems and methods for creating excess funds from retail transactions and apportioning those funds into investments
US20140279441A1 (en) * 2013-03-15 2014-09-18 Wal-Mart Stores, Inc. Systems and methods for saving a remainder of cash transactions
WO2015026877A1 (fr) * 2013-08-20 2015-02-26 Lange Jeffrey S Systèmes et procédés pour des communications de données financières et une gestion de données
US20150213472A1 (en) * 2014-01-29 2015-07-30 Fmr Llc System and method for establishing an online financial incentive program for fiscally responsible behavior
US20160284022A1 (en) * 2014-03-25 2016-09-29 Adam Mark Weigold System and method for automated digital currency savings platform
CA2966194C (fr) 2014-10-31 2024-05-21 Diebold Self-Service Systems Division Of Diebold, Incorporated Machine bancaire automatisee
CN104574181B (zh) * 2014-12-24 2018-03-16 许昌职业技术学院 一种针对个体商户的银行存款系统
USD785640S1 (en) 2015-02-11 2017-05-02 Acorns Grow Inc. Mobile device screen or portion thereof with a graphical user interface
US10043162B1 (en) 2015-03-31 2018-08-07 Square, Inc. Open ticket payment handling with bill splitting
USD792890S1 (en) 2015-05-22 2017-07-25 Acorns Grow Incorporated Display screen or portion therof with a financial data graphical user interface
US10311420B1 (en) 2016-06-17 2019-06-04 Square, Inc. Synchronizing open ticket functionality with kitchen display systems
US10580062B1 (en) 2016-06-28 2020-03-03 Square, Inc. Integrating predefined templates with open ticket functionality
WO2018136922A1 (fr) * 2017-01-23 2018-07-26 Langer Susan Sorensen Transaction bancaire à micro-auto-taxation et procédé
US10943311B1 (en) 2017-09-29 2021-03-09 Square, Inc. Order fulfillment and tracking systems and methods
US11138680B1 (en) 2018-11-21 2021-10-05 Square, Inc. Updating menus based on predicted efficiencies
US10915905B1 (en) * 2018-12-13 2021-02-09 Square, Inc. Batch-processing transactions in response to an event
US20230133354A1 (en) * 2021-11-01 2023-05-04 American Express Travel Related Services Company, Inc. Predictive and customizable round up platform
US11803903B1 (en) * 2021-12-01 2023-10-31 Jpmorgan Chase Bank, N.A. Method and system for providing enriched information re market trades and transactions
USD1042484S1 (en) 2021-12-30 2024-09-17 Amazon Express Travel Related Services Company, Inc. Display screen, or portion thereof, with a transitional graphical user interface
USD1042485S1 (en) 2021-12-30 2024-09-17 American Express Travel Related Service Company, Inc. Display screen, or portion thereof, with a graphical user interface

Citations (34)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4750119A (en) * 1986-10-10 1988-06-07 Tradevest, Inc. Purchasing system with rebate feature
US4823264A (en) * 1986-05-27 1989-04-18 Deming Gilbert R Electronic funds transfer system
US4941090A (en) * 1989-01-27 1990-07-10 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5056019A (en) * 1989-08-29 1991-10-08 Citicorp Pos Information Servies, Inc. Automated purchase reward accounting system and method
US5200889A (en) * 1988-10-31 1993-04-06 Teraoka Seiko Co., Ltd. System for maintaining continuous total of refund amounts due a customer and for allowing customer designation of the amount of refund to be applied to a purchase
US5287268A (en) * 1989-01-27 1994-02-15 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5302811A (en) * 1990-07-31 1994-04-12 Kabushiki Kaisha Toshiba Point of sale apparatus including a depositing/withdrawing apparatus
US5466919A (en) * 1993-04-02 1995-11-14 Hovakimian; Henry Credit/charge card system enabling purchasers to contribute to selected charities
US5471669A (en) * 1994-03-17 1995-11-28 Alchemist And Company, Inc. Coupon savings account system
US5621640A (en) * 1993-02-18 1997-04-15 Every Penny Counts, Inc. Automatic philanthropic contribution system
US5787404A (en) * 1995-11-21 1998-07-28 Fernandez-Holmann; Ernesto Credit-card based retirement fund system and method
US6088682A (en) * 1993-02-18 2000-07-11 Every Penny Counts, Inc. Funds distribution system connected with point of sale transactions
US6112191A (en) * 1993-02-18 2000-08-29 Every Penny Counts, Inc. Method and system to create and distribute excess funds from consumer spending transactions
US6119099A (en) * 1997-03-21 2000-09-12 Walker Asset Management Limited Partnership Method and system for processing supplementary product sales at a point-of-sale terminal
US6164533A (en) * 1998-11-12 2000-12-26 Barton; Blain Point of sale automatic savings program contribution system
US6267670B1 (en) * 1997-03-21 2001-07-31 Walker Digital, Llc System and method for performing lottery ticket transactions utilizing point-of-sale terminals
US6298329B1 (en) * 1997-03-21 2001-10-02 Walker Digital, Llc Method and apparatus for generating a coupon
US20020046124A1 (en) * 1997-03-21 2002-04-18 Alderucci Dean P. Method and apparatus for providing a supplementary product sale at a point-of-sale terminal
US20020120513A1 (en) * 2000-03-20 2002-08-29 Webb Christopher S. Patronage incentive saving system and method for retail businesses
US20030009379A1 (en) * 1995-06-06 2003-01-09 Ashok Narasimhan System and method for providing an automatic purchase reward
US20030064788A1 (en) * 2001-06-13 2003-04-03 Walker Jay S. Method and apparatus for processing a reward offer for a self-forming group
US20030101131A1 (en) * 2001-11-01 2003-05-29 Warren Mary Carter System and method for establishing or modifying an account with user selectable terms
US6581041B1 (en) * 1999-06-04 2003-06-17 G, Llc Method of charitable giving/investing
US20030149629A1 (en) * 2002-02-06 2003-08-07 Claridge Bo. T. Method of point of sale investment
US6631358B1 (en) * 1999-11-11 2003-10-07 John W. L. Ogilvie Promoting savings by facilitating incremental commitments made with credit card and other consumer-initiated transactions
US20030200163A1 (en) * 2000-09-01 2003-10-23 O'riordan John B. System for and method of deriving funds for a financial vehicle
US20030208439A1 (en) * 2002-05-03 2003-11-06 Rast Rodger H. Automated soft limit control of electronic transaction accounts
US20040039645A1 (en) * 1997-03-21 2004-02-26 Walker Jay S. Method and apparatus for facilitating the play of fractional lottery tickets utilizing point-of-sale terminals
US20040054593A1 (en) * 1997-03-21 2004-03-18 Van Luchen Andrew S. Method and apparatus for facilitating the play of fractional lottery tickets utilizing point-of -sale terminals
US20040138953A1 (en) * 2002-07-23 2004-07-15 Van Luchene Andrew S. Method and apparatus for offering coupons during a transaction
US20040153540A1 (en) * 2003-01-31 2004-08-05 Brocade Communications Systems, Inc. Fabric membership monitoring
US20040222285A1 (en) * 2001-12-14 2004-11-11 Bernhardt Pohl Computer automated electronic small change harvesting method
US20050021363A1 (en) * 2003-07-25 2005-01-27 Stimson Gregory F. Debit card per-transaction charitable contribution
US20060047589A1 (en) * 2004-08-30 2006-03-02 Mr. Edward Grau Investment program contribution system

Family Cites Families (62)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FI264U1 (fi) 1992-01-15 1992-09-16 Stephen Ind Inc Oy Medelanskaffningsmedel
US7571849B2 (en) 1993-02-18 2009-08-11 Burke Bertram V Method and system to create and distribute excess funds from consumer spending transactions
US5970480A (en) 1997-04-14 1999-10-19 Kalina; Dyan T. Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle
US6010069A (en) 1997-07-31 2000-01-04 Pitney Bowes Inc. Remote postage meter resetting system having alternate funding sources
US7430521B2 (en) 1997-08-28 2008-09-30 Walker Digital, Llc System and method for managing customized reward offers
US6267760B1 (en) 1998-05-05 2001-07-31 Scimed Life Systems, Inc. Surgical method and apparatus for positioning a diagnostic or therapeutic element within the body and forming an incision in tissue with minimal blood loss
US6049778A (en) 1997-10-31 2000-04-11 Walker Asset Management Limited Partnership Method and apparatus for administering a reward program
US5987429A (en) 1997-12-16 1999-11-16 Sun Microsystems, Inc. Computer-based fee processing for electronic commerce
US6036344A (en) 1998-06-10 2000-03-14 Goldenberg; David Milton Secure check processing system and method
US7072851B1 (en) 1999-04-16 2006-07-04 Bank Of America Corporation System and method for administrating a credit card use incentive program by which a credit card holder earns rebate in the form of an additional payment toward an outstanding loan principal to reduce overall cost of the installment loan
US7392224B1 (en) 1999-04-23 2008-06-24 Jpmorgan Chase Bank, N.A. System and method of operating a debit card reward program
US6965868B1 (en) 1999-08-03 2005-11-15 Michael David Bednarek System and method for promoting commerce, including sales agent assisted commerce, in a networked economy
US20020161630A1 (en) 2000-07-07 2002-10-31 Nelnet Loan Services, Inc. Loyalty reward program for reducing the balance of a loan obligation
WO2003030054A1 (fr) 2000-09-11 2003-04-10 Burke Bertram V Creation et distribution de fonds excedentaires, depots et paiements
US7502758B2 (en) 2001-09-12 2009-03-10 Every Penny Counts, Inc. Creation and distribution of excess funds, deposits, and payments
US7398226B2 (en) 2000-11-06 2008-07-08 American Express Travel Related Services Company, Inc. System and method for networked loyalty program
US20100299251A1 (en) 2000-11-06 2010-11-25 Consumer And Merchant Awareness Foundation Pay yourself first with revenue generation
US20030233317A1 (en) 2001-01-30 2003-12-18 Nyce Corporation Methods and systems for transferring funds
US20020188533A1 (en) 2001-05-25 2002-12-12 Capital One Financial Corporation Methods and systems for managing financial accounts having adjustable account parameters
JP2003050916A (ja) 2001-08-07 2003-02-21 Misao Okuhara 決済用のシステム及び決済方法
JP2003067835A (ja) * 2001-08-24 2003-03-07 Family Mart Co Ltd 販売商品の消費期限管理機能を有するｐｏｓシステム
US7606730B2 (en) 2002-06-25 2009-10-20 American Express Travel Relate Services Company, Inc. System and method for a multiple merchant stored value card
US7788129B2 (en) 2002-06-25 2010-08-31 American Express Travel Related Services Company, Inc. System and method for redeeming vouchers
US20040122736A1 (en) 2002-10-11 2004-06-24 Bank One, Delaware, N.A. System and method for granting promotional rewards to credit account holders
US20050004867A1 (en) 2003-05-16 2005-01-06 Spector Eric Mason Network-based donation management system
US20050021353A1 (en) 2003-07-25 2005-01-27 American Express Travel Related Services Company, Inc. Donation system and method
US7630935B2 (en) * 2003-11-03 2009-12-08 Discover Financial Services Llc Award system with increased payout options
JP4259983B2 (ja) 2003-11-04 2009-04-30 富士通株式会社 顧客来店管理システム
US7090138B2 (en) 2003-12-18 2006-08-15 Capital One Financial Corporation System and method for redeeming rewards and incentives
US7797208B2 (en) 2004-02-06 2010-09-14 Consumer And Merchant Awareness Foundation Pay yourself first
US20050222951A1 (en) 2004-04-02 2005-10-06 Sherman Lawrence M Systems and methods of targeting savings
US8407137B2 (en) 2004-08-02 2013-03-26 Propulsion Remote Holdings, Llc Pay yourself first with user guidance
US20060212357A1 (en) 2005-03-17 2006-09-21 White Thomas E Method for integrated point-of-sale and web-based property registration and verification
US7753261B2 (en) 2005-06-28 2010-07-13 Capital One Financial Corporation Systems and methods for automatically preventing delinquency of payment on financial accounts
US20070033134A1 (en) 2005-08-02 2007-02-08 Bank Of America Corporation Automatic Savings Program
KR100808808B1 (ko) 2005-09-05 2008-03-03 (주) 사이버패스 선불 카드 운영 방법 및 선불 카드 운영 시스템
US20070080213A1 (en) 2005-10-12 2007-04-12 Workman Lloyd T Aggregate electronic change saving method
US20070174166A1 (en) 2005-10-28 2007-07-26 Jones James G Prepaid financial account incentives system and method
CA2539894A1 (fr) 2005-11-29 2007-05-29 Eu & I Software Consulting Inc. Systemes et methodes permettant de segmenter des programmes de commercialisation
US20070294166A1 (en) 2006-06-17 2007-12-20 Phil Cello Add on investment technology and purchase plus
US8416924B1 (en) 2006-10-10 2013-04-09 United Services Automobile Association (Usaa) Methods and systems for customer directed rounded purchase amount investments
US7524722B2 (en) 2006-10-12 2009-04-28 Macronix International Co., Ltd. Resistance type memory device and fabricating method and operating method thereof
US8682791B2 (en) 2006-10-31 2014-03-25 Discover Financial Services Redemption of credit card rewards at a point of sale
CA2677147C (fr) 2007-02-06 2017-08-01 Bank Of America Corporation Traitement de donnees entre plateformes
US8738429B2 (en) 2007-06-25 2014-05-27 Visa U.S.A. Inc. Platform for loyalty services
US20090063332A1 (en) 2007-08-29 2009-03-05 Wachovia Corporation Flexible automatic savings programs
US7725387B1 (en) 2007-10-31 2010-05-25 Intuit Inc. Method and system for management of financial accounts
US8401936B2 (en) 2007-12-31 2013-03-19 Sap Ag Architectural design for expense reimbursement application software
US20100076776A1 (en) 2008-09-22 2010-03-25 Michael Kopko Fundraising and Recruitment Methods
US8090656B2 (en) 2008-12-02 2012-01-03 Leah Solomon Method and system for saving money with a group of mobile devices
US20120197794A1 (en) 2011-01-31 2012-08-02 Bank Of America Corporation Shared mobile wallet
US8781906B2 (en) 2012-02-06 2014-07-15 Walter Cruttenden Systems and methods for managing consumer transaction-based investments
US20140006275A1 (en) 2012-06-28 2014-01-02 Bank Of America Corporation Electronic identification and notification of banking record discrepancies
US20140012691A1 (en) 2012-07-06 2014-01-09 Bank Of America Corporation Transaction monitoring and savings feature
US9495703B1 (en) 2013-01-11 2016-11-15 Frances J. Kaye, III Automatic budgeting system
US10453152B2 (en) 2013-02-06 2019-10-22 Facebook, Inc. Comparing financial transactions of a social networking system user to financial transactions of other users
US9245261B2 (en) 2013-05-07 2016-01-26 Ramalingam Krishnamurthi Anand Automatic receipt logging and notifications for transactions
US9916620B2 (en) 2014-01-03 2018-03-13 The Toronto-Dominion Bank Systems and methods for providing balance notifications in an augmented reality environment
US10296972B2 (en) 2014-01-03 2019-05-21 The Toronto-Dominion Bank Systems and methods for providing balance notifications
AU2015214165B2 (en) 2014-02-10 2016-10-20 Google Llc Mobile devices, methods, and computer program products for prioritizing data sets
US20160042340A1 (en) 2014-08-08 2016-02-11 Roundmeup, Inc. Closed prepayment program via merchant pos terminals
US20160321663A1 (en) 2015-04-29 2016-11-03 Paypal Inc. Electronic payment and budgeting system utilizing configurable payment cards

Patent Citations (35)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4823264A (en) * 1986-05-27 1989-04-18 Deming Gilbert R Electronic funds transfer system
US4750119A (en) * 1986-10-10 1988-06-07 Tradevest, Inc. Purchasing system with rebate feature
US5200889A (en) * 1988-10-31 1993-04-06 Teraoka Seiko Co., Ltd. System for maintaining continuous total of refund amounts due a customer and for allowing customer designation of the amount of refund to be applied to a purchase
US4941090A (en) * 1989-01-27 1990-07-10 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5287268A (en) * 1989-01-27 1994-02-15 Mccarthy Patrick D Centralized consumer cash value accumulation system for multiple merchants
US5056019A (en) * 1989-08-29 1991-10-08 Citicorp Pos Information Servies, Inc. Automated purchase reward accounting system and method
US5302811A (en) * 1990-07-31 1994-04-12 Kabushiki Kaisha Toshiba Point of sale apparatus including a depositing/withdrawing apparatus
US5621640A (en) * 1993-02-18 1997-04-15 Every Penny Counts, Inc. Automatic philanthropic contribution system
US6088682A (en) * 1993-02-18 2000-07-11 Every Penny Counts, Inc. Funds distribution system connected with point of sale transactions
US6112191A (en) * 1993-02-18 2000-08-29 Every Penny Counts, Inc. Method and system to create and distribute excess funds from consumer spending transactions
US5466919A (en) * 1993-04-02 1995-11-14 Hovakimian; Henry Credit/charge card system enabling purchasers to contribute to selected charities
US5471669A (en) * 1994-03-17 1995-11-28 Alchemist And Company, Inc. Coupon savings account system
US20030009379A1 (en) * 1995-06-06 2003-01-09 Ashok Narasimhan System and method for providing an automatic purchase reward
US5787404A (en) * 1995-11-21 1998-07-28 Fernandez-Holmann; Ernesto Credit-card based retirement fund system and method
US6298329B1 (en) * 1997-03-21 2001-10-02 Walker Digital, Llc Method and apparatus for generating a coupon
US20020046124A1 (en) * 1997-03-21 2002-04-18 Alderucci Dean P. Method and apparatus for providing a supplementary product sale at a point-of-sale terminal
US6119099A (en) * 1997-03-21 2000-09-12 Walker Asset Management Limited Partnership Method and system for processing supplementary product sales at a point-of-sale terminal
US6267670B1 (en) * 1997-03-21 2001-07-31 Walker Digital, Llc System and method for performing lottery ticket transactions utilizing point-of-sale terminals
US20040054593A1 (en) * 1997-03-21 2004-03-18 Van Luchen Andrew S. Method and apparatus for facilitating the play of fractional lottery tickets utilizing point-of -sale terminals
US6598024B1 (en) * 1997-03-21 2003-07-22 Walker Digital, Llc Method and system for processing supplementary product sales at a point-of-sale terminal
US20040039645A1 (en) * 1997-03-21 2004-02-26 Walker Jay S. Method and apparatus for facilitating the play of fractional lottery tickets utilizing point-of-sale terminals
US6164533A (en) * 1998-11-12 2000-12-26 Barton; Blain Point of sale automatic savings program contribution system
US6581041B1 (en) * 1999-06-04 2003-06-17 G, Llc Method of charitable giving/investing
US6631358B1 (en) * 1999-11-11 2003-10-07 John W. L. Ogilvie Promoting savings by facilitating incremental commitments made with credit card and other consumer-initiated transactions
US20020120513A1 (en) * 2000-03-20 2002-08-29 Webb Christopher S. Patronage incentive saving system and method for retail businesses
US20030200163A1 (en) * 2000-09-01 2003-10-23 O'riordan John B. System for and method of deriving funds for a financial vehicle
US20030064788A1 (en) * 2001-06-13 2003-04-03 Walker Jay S. Method and apparatus for processing a reward offer for a self-forming group
US20030101131A1 (en) * 2001-11-01 2003-05-29 Warren Mary Carter System and method for establishing or modifying an account with user selectable terms
US20040222285A1 (en) * 2001-12-14 2004-11-11 Bernhardt Pohl Computer automated electronic small change harvesting method
US20030149629A1 (en) * 2002-02-06 2003-08-07 Claridge Bo. T. Method of point of sale investment
US20030208439A1 (en) * 2002-05-03 2003-11-06 Rast Rodger H. Automated soft limit control of electronic transaction accounts
US20040138953A1 (en) * 2002-07-23 2004-07-15 Van Luchene Andrew S. Method and apparatus for offering coupons during a transaction
US20040153540A1 (en) * 2003-01-31 2004-08-05 Brocade Communications Systems, Inc. Fabric membership monitoring
US20050021363A1 (en) * 2003-07-25 2005-01-27 Stimson Gregory F. Debit card per-transaction charitable contribution
US20060047589A1 (en) * 2004-08-30 2006-03-02 Mr. Edward Grau Investment program contribution system

Cited By (80)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20080251988A1 (en) * 2001-02-19 2008-10-16 Silverbrook Research Pty Ltd Printer incorporating interposed air expulsion and air suction nozzles
US7480634B1 (en) 2001-04-17 2009-01-20 Cornelius Marketing Method and system for saving and investing through use of a money management card and pooled investment accounts
US20090106115A1 (en) * 2004-12-01 2009-04-23 James Vicki L E-Coupon Settlement and Clearing Process
US11507951B2 (en) 2004-12-01 2022-11-22 Fidelity Information Services, Llc E-coupon settlement and clearing process
US10248951B2 (en) 2004-12-01 2019-04-02 Metavante Corporation E-coupon settlement and clearing process
US11861611B2 (en) 2004-12-01 2024-01-02 Fidelity Information Services, Llc E-Coupon settlement and clearing process
US11526856B2 (en) 2005-08-02 2022-12-13 Bank Of America Corporation Automatic savings program
US20240020662A1 (en) * 2005-08-02 2024-01-18 Bank Of America Corporation Automatic Savings Program
US10628808B2 (en) 2005-08-02 2020-04-21 Bank Of America Corporation Automatic savings program
US11810082B2 (en) 2005-08-02 2023-11-07 Bank Of America Corporation Automatic savings program
US20070288313A1 (en) * 2006-06-09 2007-12-13 Mark Brodson E-Coupon System and Method
US20070294166A1 (en) * 2006-06-17 2007-12-20 Phil Cello Add on investment technology and purchase plus
US8416924B1 (en) * 2006-10-10 2013-04-09 United Services Automobile Association (Usaa) Methods and systems for customer directed rounded purchase amount investments
US20080255951A1 (en) * 2007-04-16 2008-10-16 Miller Peggy A Method for generation of excess funds from credit instruments earmarked for personal use and distribution
US20080313077A1 (en) * 2007-06-15 2008-12-18 Schropfer David W System and method for coordinating charitable contributions
US20090063332A1 (en) * 2007-08-29 2009-03-05 Wachovia Corporation Flexible automatic savings programs
US20100138287A1 (en) * 2007-10-05 2010-06-03 Hoque Mohammad M Flexible Savings System
US20090094110A1 (en) * 2007-10-05 2009-04-09 Hoque Mohammad M Flexible savings system
US8214287B1 (en) * 2007-12-12 2012-07-03 Ernest Garfield System for collecting and distributing charitable contributions
US8548906B1 (en) 2008-01-24 2013-10-01 Intuit Inc. Method and apparatus for automatic savings upon event detection
US20150081411A1 (en) * 2008-02-08 2015-03-19 Bank Of America Corporation Enhanced Automatic Savings Program
US20220253883A1 (en) * 2008-02-08 2022-08-11 Bank Of America Corporation Enhanced Automatic Savings Program
US11348133B2 (en) * 2008-02-08 2022-05-31 Bank Of America Corporation Enhanced automatic savings program
US12175489B2 (en) * 2008-02-08 2024-12-24 Bank Of America Corporation Enhanced automatic savings program
US10290051B1 (en) 2008-06-18 2019-05-14 The Pnc Financial Services Group, Inc. Savings system based on cent portion of transaction amount
US7725391B1 (en) * 2008-09-29 2010-05-25 The Pnc Financial Services Group, Inc. Savings system based on time of transaction
US8732082B2 (en) 2009-03-03 2014-05-20 Quercus (BVI) Limited System and method for executing an electronic payment
US11829963B2 (en) 2009-03-03 2023-11-28 Quercus (BVI) Limited System and method for providing merchant loyalty rewards
US20100228672A1 (en) * 2009-03-03 2010-09-09 Quercus (BVI) Limited System and method for executing an electronic payment
US20100228669A1 (en) * 2009-03-03 2010-09-09 Aly Karim System and method for executing a financial transaction
US8732080B2 (en) 2009-03-03 2014-05-20 Quercus (BVI) Limited System and method for executing a financial transaction
US11810083B2 (en) 2009-03-03 2023-11-07 Quercus (BVI) Limited Systems and methods for processing payments to third parties for a business providing a product or service
US8682760B2 (en) * 2009-05-20 2014-03-25 U.S. Bank National Association Methods and devices for savings participation
US20100299186A1 (en) * 2009-05-20 2010-11-25 Valerie Felice Cameo Methods and devices for savings participation
US20130060692A1 (en) * 2011-09-01 2013-03-07 Bank Of America Corporation Access Control for a Financial Account
US11348179B2 (en) 2012-02-06 2022-05-31 Acorns Grow Inc. Point of sale computer-implemented investment management technology
US12086883B2 (en) 2012-02-06 2024-09-10 Acorns Grow Incorporated Point of sale computer-implemented investment management technology
US12026779B2 (en) * 2012-02-06 2024-07-02 Acorns Grow Incorporated Systems and methods for creating excess funds from retail transactions and apportioning those funds into investments
USD969818S1 (en) 2013-03-14 2022-11-15 Acorns Grow Inc. Mobile device screen with graphical user interface
USD927509S1 (en) 2013-03-14 2021-08-10 Acorns Grow Incorporated Mobile device screen or portion thereof with graphical user interface
USD927508S1 (en) 2013-03-14 2021-08-10 Acorns Grow Incorporated Mobile device screen or portion thereof with graphical user interface
USD972577S1 (en) 2013-03-14 2022-12-13 Acorns Grow Inc. Mobile device screen with a graphical user interface
USD928190S1 (en) 2013-03-14 2021-08-17 Acorns Grow Incorporated Mobile device screen or portion thereof with an animated graphical user interface
WO2015044925A3 (fr) * 2013-09-30 2015-06-11 Novelo Segura Octavio Procédé et système permettant d'augmenter une épargne par l'intermédiaire d'un appareil mobile portatif ou d'internet
US9824393B2 (en) 2013-12-27 2017-11-21 Mastercard International Incorporated Methods and systems for managing consumer savings with credit card transactions
US10643275B2 (en) 2013-12-27 2020-05-05 Mastercard International Incorporated Methods and systems for managing consumer savings with credit card transactions
US20150371208A1 (en) * 2014-06-20 2015-12-24 King Hei Sin Method and system for micro-accumulation of funds
US20200126105A1 (en) * 2015-07-02 2020-04-23 Jpmorgan Chase Bank, N.A. System and method for assisting customers achieve purchase goals
US10817860B2 (en) 2015-09-03 2020-10-27 Bank Of America Corporation Systems and methods for tracking and adjustment of electronic transaction processing results
US10817933B2 (en) 2015-09-03 2020-10-27 Bank Of America Corporation Financial health smartwatch
US10157420B2 (en) * 2015-09-03 2018-12-18 Bank Of America Corporation Systems and methods for additional notification and inputs of electronic transaction processing results
US12026770B2 (en) 2015-09-03 2024-07-02 Bank Of America Corporation Financial health smartwatch
US10817934B2 (en) 2015-09-03 2020-10-27 Bank Of America Corporation Single enrollment process for all payment vehicles
US10817880B2 (en) 2015-09-03 2020-10-27 Bank Of America Corporation In-it-together savings goal feature
US10810674B2 (en) 2015-09-03 2020-10-20 Bank Of America Corporation Systems and methods for display notifications for routing of electronic transaction processing results
US10169749B2 (en) 2015-09-03 2019-01-01 Bank Of America Corporation Systems and methods for tracking and adjustment of electronic transaction processing results
US12026778B2 (en) 2015-09-03 2024-07-02 Bank Of America Corporation Systems and methods for display notifications for routing of electronic transaction processing results
US10169820B2 (en) 2015-09-03 2019-01-01 Bank Of America Corporation Systems and methods for display notifications for routing of electronic transaction processing results
WO2017203835A1 (fr) * 2016-05-27 2017-11-30 株式会社野村総合研究所 Dispositif, programme et procédé de transfert/accumulation de fonds fractionnaires
US20190213592A1 (en) * 2016-05-27 2019-07-11 Nomura Research Institute, Ltd. Fractional fund transfer and accumulation system, program, and method
WO2017204310A1 (fr) * 2016-05-27 2017-11-30 株式会社野村総合研究所 Système, programme et procédé de transfert/cumul de fonds fractionnaires
JPWO2017204310A1 (ja) * 2016-05-27 2019-07-25 株式会社野村総合研究所 端数資金振替蓄積システム、プログラム及び方法
US11748821B1 (en) * 2016-07-28 2023-09-05 United Services Automobile Association (Usaa) Systems and methods for managing and reducing spending
JP6998677B2 (ja) 2017-06-01 2022-01-18 株式会社野村総合研究所 端数資金振替蓄積システム
JP2018205979A (ja) * 2017-06-01 2018-12-27 株式会社野村総合研究所 端数資金振替蓄積システム
WO2018221344A1 (fr) * 2017-06-01 2018-12-06 株式会社野村総合研究所 Système de transfert et d'accumulation de fonds divisionnaires
JP2017211996A (ja) * 2017-06-28 2017-11-30 株式会社野村総合研究所 端数資金振替蓄積システム、プログラム及び方法
JP2019125199A (ja) * 2018-01-17 2019-07-25 Ｔｏｒａｎｏｔｅｃ株式会社 情報処理装置
JP6337224B1 (ja) * 2018-01-17 2018-06-06 Ｔｏｒａｎｏｔｅｃ株式会社 情報処理装置
JP2019139415A (ja) * 2018-02-08 2019-08-22 Ｔｏｒａｎｏｔｅｃ株式会社 情報処理装置
JP6353177B1 (ja) * 2018-02-08 2018-07-04 Ｔｏｒａｎｏｔｅｃ株式会社 情報処理装置
USD928799S1 (en) 2018-07-19 2021-08-24 Acorns Grow Incorporated Mobile device screen or portion thereof with graphical user interface
US11567655B2 (en) 2019-02-21 2023-01-31 Acorns Grow Incorporated Secure signature creation on a secondary device
USD927521S1 (en) 2019-12-09 2021-08-10 Acorns Grow Incorporated Mobile device screen or portion thereof with a graphical user interface
US11798071B2 (en) * 2020-04-15 2023-10-24 Capital One Services, Llc Computer-based systems with tools designed for real-time reconfiguring a plurality of distinct databases and methods of use thereof
JP7245934B2 (ja) 2020-08-24 2023-03-24 株式会社野村総合研究所 情報処理システム
JP2022050583A (ja) * 2020-08-24 2022-03-30 株式会社野村総合研究所 情報処理システム
JP7008765B2 (ja) 2020-08-24 2022-01-25 株式会社野村総合研究所 情報処理システム、プログラム及び方法
JP2020187803A (ja) * 2020-08-24 2020-11-19 株式会社野村総合研究所 情報処理システム、プログラム及び方法
US11631067B2 (en) 2021-01-20 2023-04-18 Bank Of America Corporation Artificial intelligence (AI) architecture with smart, automated triggers of incoming and outgoing actions and usage

Also Published As

Publication number Publication date
WO2007016697A3 (fr) 2007-11-01
EP1915731A2 (fr) 2008-04-30
US20140108237A1 (en) 2014-04-17
US20100138346A1 (en) 2010-06-03
WO2007016697A2 (fr) 2007-02-08
US11526856B2 (en) 2022-12-13
EP1915731A4 (fr) 2010-09-01
US20230068406A1 (en) 2023-03-02
US11810082B2 (en) 2023-11-07
US20130030992A1 (en) 2013-01-31
CN101268485A (zh) 2008-09-17
US8635137B2 (en) 2014-01-21
US8301530B2 (en) 2012-10-30
US10628808B2 (en) 2020-04-21
US20240020662A1 (en) 2024-01-18
US20200210975A1 (en) 2020-07-02
CA2617837A1 (fr) 2007-02-08

Similar Documents

Publication Publication Date Title
US11810082B2 (en) Automatic savings program
US12175489B2 (en) Enhanced automatic savings program
US8069085B2 (en) System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card
US8452662B2 (en) System, program product, and associated methods to autodraw for micro-credit attached to prepaid card
US8165940B2 (en) Non-credit account credit rating
US8160921B2 (en) System for incentivizing financial account users
US20030200163A1 (en) System for and method of deriving funds for a financial vehicle
US20150120426A1 (en) Consolidating and Leveraging Features of a Loyalty Program
US20100094697A1 (en) System and method for banking
US20090198572A1 (en) System and method for rewards optimization in a computer system
JP2018060300A (ja) 購買管理システム
US20120179533A1 (en) Method and system for managing a mortgage rebate transaction card account
US20200051108A1 (en) Paying a reward to a second account based on multiple account qualifications being met by a first account
US20170004481A1 (en) Systems and methods for retrieving electronically stored information in real-time for electronic transactions
WO2001080104A2 (fr) Systeme et procede de calcul de fonds pour un vehicule financier
AU2014253667A1 (en) Configurable merchant funded reward program
MXPA06005353A (es) Metodo y sistema para administrar una cuenta de tarjeta de transaccion de descuento de hipoteca

Legal Events

Date Code Title Description
AS Assignment

Owner name: BANK OF AMERICA CORPORATION, NORTH CAROLINA

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:CARRETTA, DANIEL A.;HANCOCK, THOMAS M.;LEWY, KAREN K.;AND OTHERS;REEL/FRAME:016627/0091;SIGNING DATES FROM 20050725 TO 20050728

STCB Information on status: application discontinuation

Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION

点击 这是indexloc提供的php浏览器服务，不要输入任何密码和下载