REVENUE-PRODUCING BANK CARD SYSTEM & METHOD PROVIDING THE FUNCTIONALITY & PROTECTION OF TRUST-CONNECTED BANKING
First Claim
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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Accused Products
Abstract
A revenue-producing, charge card system also manages account balances to create an investment profit for the card holder. A trust account has a trust-account balance reflecting a first amount of funds, is constructed to subsequently record debits and credits related to the balance, and is constructed for access via remote communication. A bank account has a bank-account balance reflecting an initial zero balance, is constructed to further record debits and credits related to the balance, and is constructed for access via remote communication. A debit card is constructed for communication with the trust account and the bank account, and a switch is in communication with the trust account and bank account. 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. There are also methods of producing revenue thorough a charge card, a revenue-producing machine for users who have bank accounts, and a revenue-producing, debit-card system for a user who has a bank account that is connected to a trust-like structure combined with a debit card connected to the trust-like structure. In addition, there is a controller, for a networked trust account and a networked bank account that are capable of communicating via a network, that maximizes revenue to the holder of both accounts, and a corresponding method. In addition, there is a principal-protected, revenue-producing investment system, an international financial system, and a method of providing an alternative international fiduciary financial system.
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Citations
40 Claims
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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:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40)
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Specification