Accounting system for consumer retail purchases

G - Physics – 06 – Q

Patent

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Details

G06Q 40/02 (2012.01) G06Q 30/04 (2012.01)

Patent

CA 2407196

An accounting system and method for consumer retail purchase transactions comprising the steps of entering into a retail purchase transaction with a retail merchant, for a determined purchase amount; tendering payment to the retail merchant; and depositing any difference between the payment tendered and the purchase amount as principal to an account held by the consumer. Interest may be paid on the principal retained in the account, and all or part of the principal plus interest may be removed by the consumer after a predetermined period of time, pursuant to an agreement between the consumer and the financial institution responsible for the account.

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