Appeal No. 2001-2627
Application No. 09/472,658
to allow consumers to set aside for their savings account(s) a
specified amount for a specified percentage of a given
transaction, when the transaction would otherwise not involve the
savings account(s). A portion of the funds charged or received
during the transaction will be directed to the consumer's savings
account or another savings vehicle. See page 4 of the
Appellant's specification.
Independent claim 1 is reproduced as follows:
1. A method of facilitating savings by providing between a
consumer and at least one financial institution an infrastructure
for incremental savings by the consumer, the method comprising
the steps of:
entering an agreement with the consumer under which
specified funds will be directed on the consumer's behalf to a
specified savings vehicle at the financial institution in
response to at least one otherwise unrelated consumer-initiated
covered transaction, the financial institution not a party to the
agreement;
noting at least one covered transaction, which is a
transaction in response to which funds will be directed pursuant
to the agreement, the scope of covered transactions pursuant to
the agreement being limited according to at least one of the time
at which a transaction occurs and the transaction amount; and
directing specified funds on the consumer's behalf to the
specified savings vehicle at the financial institution pursuant
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