公开(公告)号：US20090037310A1

公开(公告)日：2009-02-05

申请号：US12182891

申请日：2008-07-30

申请人： Richard J. Claypoole ,  William T. Hippensteel ,  Mark Gibson

发明人： Richard J. Claypoole ,  William T. Hippensteel ,  Mark Gibson

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/00

摘要： An account, such as a checking account or other instrument, is provided having a number of interchangeable features. The customer is given a choice of a number of available features such that a tailored account is created. Further, in a preferred embodiment the features are divided into standard and premium features of which the customer can choose a select number of each upon opening the account. The customer can thereafter change and interchange the features as needed, at no cost, and in real time as often as desired, such that as the customer's life or conditions change the account is always tailor-fit to the customer's needs. Further, additional features can be added to the account at an additional cost to the customer. Changes in features can be made with no need to close an account and then open a substitute account and at no cost to the customer.

摘要翻译： 提供具有多个可互换特征的帐户，例如支票账户或其他工具。 客户可以选择一些可用的功能，从而创建一个量身定制的帐户。 此外，在优选实施例中，特征被划分为标准和高级特征，其中客户可以在打开账户时选择每个特定的数量。 客户随后可根据需要随时更改和交换功能，无需任何费用，并可随时按需要实时更改功能，以便随着客户的使用寿命或条件的变化，客户始终根据客户的需求量身定做。 此外，额外的功能可以添加到客户的额外费用。 功能的更改可以在不需要关闭帐户的情况下进行，然后再打开一个替代帐户，而不需要付费给客户。