DYNAMIC SAVINGS ALLOCATION METHOD AND PURCHASING MODEL
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United States of America Patent
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N/A
Issued Date -
Aug 2, 2012
app pub date -
Jan 27, 2011
filing date -
Jan 27, 2011
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A system and method for providing a dynamic savings allocation account. The dynamic savings allocation account includes customer-defined savings categories within the account that act as sub-accounts. The customer may create savings categories and set parameters such as the goal amount to be reached, the time to reach the goal, how much or what percentage to be allocated to each category per deposit, etc. As the customer deposits funds into the dynamic savings allocation account, the deposit is automatically allocated to each savings category as defined by the customer. As goals are reached, customers may opt to take advantage of group purchasing benefits offered by the financial institution for some in-demand items. Alternatively, the financial institution, in partnering with third-party vendors may perform targeted sales campaigns.
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