Creation and distribution of excess funds, deposits, and payments
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
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Mar 10, 2009
Grant Date -
Aug 5, 2004
app pub date -
Sep 12, 2001
filing date -
Sep 12, 2001
priority date (Note) -
In Force
status (Latency Note)
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Abstract
Accumulating credits from financial movements to and from accounts held by a financial transactor and managed by an account manager involves initiating a roundup by periodically accessing entries in the account with an information processor to round up entries in the account, rounding up the entries in the account to obtain a total roundup amount, withdrawing the roundup amount from the account and debiting the account with the roundup amount. In one embodiment the information processor is external to and out of control of the account manager. At non-bank and bank locations send deposits and payments, in cash and/or checks, to financial institutions by using a remote input to truncate the paper checks and the cash used in the transaction.
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