SYSTEM AND METHOD FOR BANKING
First Claim
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1. A system for a financial institution, comprising:
- a computer accessible medium which has a software thereon, wherein, when the software is executed by a computing arrangement, the computing arrangement is configured to generate a savings account and a spending account, and to provide for facilitating purchases of one or more goods from an entity other than the financial institution, andwherein the computing arrangement, when executing the software, is further configured to provide to a customer of the financial institution a discount of the one or more goods based on one or more predetermined criteria of the financial institution.
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Abstract
An online banking system and method for a financial institution is provided where a savings account and a spending account is provided for a customer of the financial institution. The customer of the financial institution can receive a discount on one or more goods from an entity other than the financial institution based on one or more criteria provided by the financial institution, such as the value of the savings account. The goods from the entity can be purchased from funds in the spending account, and the amount of the discount can be credited to the savings account.
73 Citations
28 Claims
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1. A system for a financial institution, comprising:
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a computer accessible medium which has a software thereon, wherein, when the software is executed by a computing arrangement, the computing arrangement is configured to generate a savings account and a spending account, and to provide for facilitating purchases of one or more goods from an entity other than the financial institution, and wherein the computing arrangement, when executing the software, is further configured to provide to a customer of the financial institution a discount of the one or more goods based on one or more predetermined criteria of the financial institution. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for a financial institution, comprising:
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a computer accessible medium which has a software thereon, wherein, when the software is executed by a computing arrangement, the computing arrangement is configured to generate a savings account and a spending account used by a customer of the financial institution to purchase one or more goods from an entity other than the financial institution; wherein if a purchase of the one or more goods is made by the customer, the computing arrangement, when executing the software, is further configured to deduct an amount of the purchase from the spending account, and deposit an amount of a discount on the purchase provided by the entity into the savings account. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A computer method for a financial institution, comprising the step of:
providing a computer accessible medium which has a software thereon, wherein, when the software is executed by a computing arrangement, the computing arrangement is configured to provide a savings account for a customer of the financial institution;
provide a spending account for the customer; and
provide a discount for the customer for one or more goods provided by an entity other than the financial institution based on a value of the savings account.- View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A computer-readable medium having instructions to cause a processor to execute a method comprising the steps of:
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providing a savings account for a customer of the financial institution; providing a spending account for the customer; and providing a discount for the customer for one or more goods provided by an entity other than the financial institution based on a value of the savings account.
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28. A system for a financial institution, comprising:
a computer arrangement which, when executing a software program embodied on a computer-readable medium encoded with computer executable instructions, is configured to; provide a savings account for a customer of the financial institution; provide a spending account for the customer; and provide a discount for the customer for one or more goods provided by an entity other than the financial institution based on a value of the savings account.
Specification