WO2008112303A3 - Spending and savings secondary linked accounts - Google Patents

Spending and savings secondary linked accounts Download PDF

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Publication number
WO2008112303A3
WO2008112303A3 PCT/US2008/003410 US2008003410W WO2008112303A3 WO 2008112303 A3 WO2008112303 A3 WO 2008112303A3 US 2008003410 W US2008003410 W US 2008003410W WO 2008112303 A3 WO2008112303 A3 WO 2008112303A3
Authority
WO
WIPO (PCT)
Prior art keywords
account
spending
linked accounts
savings
secondary linked
Prior art date
Application number
PCT/US2008/003410
Other languages
French (fr)
Other versions
WO2008112303A2 (en
Inventor
German Scipioni
Donald James Fotsch
Joseph Edward Black
Amy Poling
Alp Tiritoglu
Original Assignee
Ebay Inc
German Scipioni
Donald James Fotsch
Joseph Edward Black
Amy Poling
Alp Tiritoglu
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ebay Inc, German Scipioni, Donald James Fotsch, Joseph Edward Black, Amy Poling, Alp Tiritoglu filed Critical Ebay Inc
Priority to KR1020127031062A priority Critical patent/KR20130010053A/en
Priority to KR1020157022828A priority patent/KR101763053B1/en
Priority to JP2009553640A priority patent/JP5019238B2/en
Publication of WO2008112303A2 publication Critical patent/WO2008112303A2/en
Publication of WO2008112303A3 publication Critical patent/WO2008112303A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Abstract

Embodiments describe a method and a system to link a secondary account to a primary account with an account management module associated with the primary account and to control access to funds in the secondary account with respect to a secondary account holder through the account management module. The secondary account includes a spending account and a savings account.
PCT/US2008/003410 2007-03-14 2008-03-14 Spending and savings secondary linked accounts WO2008112303A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
KR1020127031062A KR20130010053A (en) 2007-03-14 2008-03-14 Spending and savings secondary linked accounts
KR1020157022828A KR101763053B1 (en) 2007-03-14 2008-03-14 Methods and systems for providing a savings goal
JP2009553640A JP5019238B2 (en) 2007-03-14 2008-03-14 Secondary linked expenditure accounts and savings accounts

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US89487507P 2007-03-14 2007-03-14
US60/894,875 2007-03-14
US11/837,704 2007-08-13
US11/837,704 US7945512B2 (en) 2007-03-14 2007-08-13 Spending and savings secondary linked accounts

Publications (2)

Publication Number Publication Date
WO2008112303A2 WO2008112303A2 (en) 2008-09-18
WO2008112303A3 true WO2008112303A3 (en) 2008-12-18

Family

ID=39433785

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2008/003410 WO2008112303A2 (en) 2007-03-14 2008-03-14 Spending and savings secondary linked accounts

Country Status (4)

Country Link
US (5) US7945512B2 (en)
JP (4) JP5019238B2 (en)
KR (3) KR20130010053A (en)
WO (1) WO2008112303A2 (en)

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