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REVENUE-PRODUCING BANK CARD SYSTEM & METHOD PROVIDING THE FUNCTIONALITY & PROTECTION OF TRUST-CONNECTED BANKING

  • US 20080065532A1
  • Filed: 05/26/2007
  • Published: 03/13/2008
  • Est. Priority Date: 11/22/2004
  • Status: Abandoned Application
First Claim
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1. A revenue-producing, charge card system that also manages account balances to create an investment profit for the card holder, comprising:

  • a trust account having a trust-account balance reflecting a first amount of funds, being constructed to subsequently record debits and credits related to the balance, and being constructed for access via remote communication;

    a bank account having a bank-account balance reflecting an initial zero balance, being constructed to further record debits and credits related to the balance, and being constructed for access via remote communication;

    a debit card constructed for communication with the trust account and the bank account;

    a switch in communication between the trust account and bank account; and

    wherein the trust account and the bank account are constructed for intercommunication via the switch so that a card user can pass debits and credits to the trust account through the bank account so that the funds of the trust account can be managed via the trust account.

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