公开(公告)号：US20120078780A1

公开(公告)日：2012-03-29

申请号：US12892882

申请日：2010-09-28

申请人： Erik S. Ross ,  Alexander Azariy Shenkar ,  Yolandis Speed ,  Darren Paul Stillwell ,  Mei-Ling In Johnson ,  Susan S. Thomas

发明人： Erik S. Ross ,  Alexander Azariy Shenkar ,  Yolandis Speed ,  Darren Paul Stillwell ,  Mei-Ling In Johnson ,  Susan S. Thomas

IPC分类号： G06Q40/00

CPC分类号： G06Q20/10 ,  G06Q40/02

摘要： A method of transactional savings is described. First and second portions of a total amount associated with a transaction may be identified. The first portion and the second portion may be different monetary funds of the total amount of monetary funds. A first account of a customer associated with an entity may be determined, and an amount of debt of monetary funds of the first account may be determined. The first portion of the total amount of monetary funds may be applied against the amount of debt of the first account, and the second portion may be maintained in a second account of the customer. Occurrence data representative of an occurrence of a triggering event associated with a transactional savings program of the entity may be received, and an amount of the second account to permit access to by the customer may be determined based upon the occurrence data.

摘要翻译： 描述了一种交易储蓄的方法。 可以识别与交易相关联的总金额的第一和第二部分。 第一部分和第二部分可以是货币资金总额的货币资金不同。 可以确定与实体相关联的客户的第一帐户，并且可以确定第一帐户的货币资金的债务量。 货币资金总额的第一部分可以应用于第一个帐户的债务金额，第二部分可以保留在客户的第二个帐户中。 可以接收表示与实体的交易储蓄程序相关联的触发事件的发生的发生数据，并且可以基于发生数据来确定允许客户访问的第二帐户的数量。