公开(公告)号：US20080228614A1

公开(公告)日：2008-09-18

申请号：US12075697

申请日：2008-03-12

Applicant: Yaron Ben-Zvi ,  J. Todd Wesley Smith ,  R. Rimmy Malhotra

Inventor： Yaron Ben-Zvi ,  J. Todd Wesley Smith ,  R. Rimmy Malhotra

IPC: G06Q30/00

CPC classification number: G06Q30/02 ,  G06Q40/00 ,  G06Q50/22

Abstract: A consumer-driven system and method for promoting philanthropic giving/lending and social activism based on customer purchases. The system and method optimizes the choices on the part of the Customer in the selection of one or more Funding Options and allocation of Funding Points among one or more selected Funding Options. Feedback information concerning the progress of the funds permits the Customer to evaluate the effectiveness or success of the Funding Option; target feedback content to the Customers that have provided funds via the sponsoring entity; and/or prompt the donor/lendor for additional involvement or action concerning the Funding Option to promote continued engagement on the part of the Customer.

Abstract translation: 基于客户购买促进慈善捐赠/贷款和社会活动的消费者驱动系统和方法。 该系统和方法优化了客户选择一个或多个资金期权并在一个或多个选定的融资期权中分配资金积分的选择。 关于资金进度的反馈信息允许客户评估资金期权的有效性或成功; 向通过赞助实体提供资金的客户提供反馈内容; 和/或促使捐赠者/出租人进一步参与或采取有关资金选择的行动，以促进客户的持续参与。

公开(公告)号：US08191776B2

公开(公告)日：2012-06-05

申请号：US12586701

申请日：2009-09-26

Applicant: Yaron Ben-Zvi ,  Rimmy Malhotra

Inventor： Yaron Ben-Zvi ,  Rimmy Malhotra

IPC: G06K5/00

CPC classification number: G06Q40/00 ,  G06Q20/349

Abstract: System and method for funding via a prepaid card a financial product intended at a time of purchase by a purchaser for a customer. A customer cash account is created and funds allocated to the prepaid card are redeemed solely as cash funds in the customer's cash account. The customer may either withdraw at least some of the cash funds in the customer's cash account or apply at least some of the cash funds in the customer's cash account to a financial product. In response to receiving the customer's instructions to apply at least some of the cash funds from the customer's cash account to a financial product selected by the customer as well as their acknowledgement of disclosures or consent to an agreement related to the selected financial product, the cash funds are applied to an associated financial product account.

Abstract translation: 通过预付卡为购买者为客户购买的金融产品提供资金的系统和方法。 创建客户现金账户，分配给预付卡的资金仅以客户现金账户中的现金资金赎回。 客户可以至少提取客户现金账户中的一些现金资金，或将客户现金账户中的至少一部分现金资金应用于金融产品。 为了响应客户的指示，将客户现金账户中的至少一部分现金资金应用于客户选择的金融产品，以及确认披露或同意与所选金融产品相关的协议，现金 资金适用于相关的金融产品账户。

公开(公告)号：US20100078476A1

公开(公告)日：2010-04-01

申请号：US12586701

申请日：2009-09-26

Applicant: Yaron Ben-Zvi ,  Rimmy Malhotra

Inventor： Yaron Ben-Zvi ,  Rimmy Malhotra

IPC: G06K5/00

CPC classification number: G06Q40/00 ,  G06Q20/349

Abstract: System and method for funding via a prepaid card a financial product intended at a time of purchase by a purchaser for a customer. A customer cash account is created and funds allocated to the prepaid card are redeemed solely as cash funds in the customer's cash account. The customer may either withdraw at least some of the cash funds in the customer's cash account or apply at least some of the cash funds in the customer's cash account to a financial product. In response to receiving the customer's instructions to apply at least some of the cash funds from the customer's cash account to a financial product selected by the customer as well as their acknowledgement of disclosures or consent to an agreement related to the selected financial product, the cash funds are applied to an associated financial product account.

Abstract translation: 通过预付卡为购买者为客户购买的金融产品提供资金的系统和方法。 创建客户现金账户，分配给预付卡的资金仅以客户现金账户中的现金资金赎回。 客户可以至少提取客户现金账户中的一些现金资金，或将客户现金账户中的至少一部分现金资金应用于金融产品。 为了响应客户的指示，将客户现金账户中的至少一部分现金资金应用于客户选择的金融产品，以及确认披露或同意与所选金融产品相关的协议，现金 资金适用于相关的金融产品账户。