公开(公告)号：US20110246387A1

公开(公告)日：2011-10-06

申请号：US12751335

申请日：2010-03-31

申请人： Erik Stephen Ross ,  Kathleen L. Dooley-Maley

发明人： Erik Stephen Ross ,  Kathleen L. Dooley-Maley

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q20/10 ,  G06Q40/06

摘要： Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a financial account, a consumer behavior modification tool. In some embodiments, the method includes: identifying a financial account that can be used by a consumer to make a purchase, recording in connection with the financial account a rule that additional liability in the form of a transaction fee or interest rate will be applied to the financial account when a purchase meeting predefined criteria is made using the financial account, wherein the predefined criteria is defined such that only a subset of the set of potential purchases that can be made using the financial account meet the predefined criteria, receiving an indication that a purchase has been made using the financial account, applying the rule to determine that the purchase that has been made meets the predefined criteria recorded in connection with the financial account, and investing the additional liability, in the form of a transaction fee or finance charge, into an investment vehicle.

摘要翻译： 本发明的实施例涉及用于实施与金融账户相结合的消费者行为修改工具的方法和装置。 在一些实施例中，该方法包括：识别可被消费者用于进行购买的金融账户，与金融账户相关联地记录以交易费用或利率形式的额外负债将适用于 所述财务帐户在使用所述金融账户进行购买会议预定义准则时，其中所述预定标准被定义为使得仅使用所述金融账户可以进行的潜在购买集合的子集满足所述预定标准， 使用该财务帐户进行购买，应用规则来确定已经完成的购买符合与该金融账户相关的预定义标准，并以交易费用或融资费用的形式投资额外的责任 ，成为投资工具。