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    • 3. 发明申请
    • DYNAMIC SAVINGS ALLOCATION METHOD AND PURCHASING MODEL
    • 动态节省分配方法和采购模型
    • US20120197783A1
    • 2012-08-02
    • US13015078
    • 2011-01-27
    • Chad HunterChristopher NygrenDebashis GhoshSrinath Nagarajan
    • Chad HunterChristopher NygrenDebashis GhoshSrinath Nagarajan
    • G06Q40/00
    • G06Q40/02G06Q20/10G06Q30/0207G06Q30/0241
    • A system and method for providing a dynamic savings allocation account. The dynamic savings allocation account includes customer-defined savings categories within the account that act as sub-accounts. The customer may create savings categories and set parameters such as the goal amount to be reached, the time to reach the goal, how much or what percentage to be allocated to each category per deposit, etc. As the customer deposits funds into the dynamic savings allocation account, the deposit is automatically allocated to each savings category as defined by the customer. As goals are reached, customers may opt to take advantage of group purchasing benefits offered by the financial institution for some in-demand items. Alternatively, the financial institution, in partnering with third-party vendors may perform targeted sales campaigns.
    • 一种用于提供动态储蓄分配帐户的系统和方法。 动态储蓄分配帐户包括帐户内用作子帐户的客户定义的储蓄类别。 客户可以创建储蓄类别,并设置参数,例如要达到的目标金额,达到目标的时间,每个存款等每个类别分配的百分比或多少百分比等。当客户将资金存入动态储蓄 分配帐户,存款将自动分配给客户定义的每个储蓄类别。 达成目标后,客户可以选择利用金融机构为某些需求项目提供的集团采购优势。 或者,金融机构与第三方供应商合作可能会进行有针对性的销售活动。