公开(公告)号：WO2021150260A1

公开(公告)日：2021-07-29

申请号：PCT/US2020/026406

申请日：2020-04-02

Applicant: INTEREST INVESTMENTS, INC.

Inventor： STARR, Robert ,  FROUG, Aaron ,  FROUG, Robin

IPC: G06Q40/04 ,  G06Q40/02 ,  G06Q40/06 ,  G06Q40/12 ,  G06F3/0488 ,  G06F16/242 ,  G06Q20/10 ,  G06Q30/0224

Abstract: The inventive system and method presented herein provides for the automated investment in financial instruments based on a user's shopping patterns or transaction history. Embodiments of the invention allow for the purchase of fractional shares or whole shares based on user selected preferences. The automated investment in financial instruments is accomplished through calculating an investment amount which may be a user defined amount, a round up to the nearest whole dollar, or a system required amount. The inventive system and method reviews a user's purchase transactions by monitoring spending on connected financial accounts of user (bank card, credit card, etc), extracting retailer data from the user's transactions, matching the retailer to one or more available security and purchasing an amount of the available security with the calculated investment amount. Thus the present invention allows for the automated investment and savings for its users, satisfying an unmet need.