Spending vehicles for payments

Details Spending vehicles for payments Spending vehicles for payments

G - Physics

06

Q

G06Q 20/00 (2006.01) G06Q 30/00 (2006.01) G06Q 40/00 (2006.01) G07F 7/02 (2006.01) G07F 7/08 (2006.01)

Patent

CA 2397144

The present invention is a system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments (e.g., Social Security checks, 401(k) distributions, dividend payments, tax refunds, etc.) may choose to receive in place of the payment a spending vehicle (14) such as an e-card, a sponsor discount card, a sponsor rebate, or a sponsor coupon for use with purchases of the sponsor's products or services. Sponsors may include companies and organizations interested in offering purchase incentives to their customers. An individual who wishes to receive a spending vehicle rather than a regular payment selects the spending vehicle (14) he orshe would like to receive. The individual then assigns (16) his or her right to the payment to a third party. The third party may be a sponsor of the spending vehicle or a financial institution that offers spending vehicles from a plurality of sponsors. If the spending vehicle is from a financial institution, the financial institution then arranges to give a spending vehicle to the individual and to transfer the individual's payment to the sponsor of the spending vehicle. The financial institution may take a portion of the individual's payment as compensation for the service provided to the individual and the sponsor.

La présente invention concerne un système et un procédé destinés à associer des paiements à des organes de dépense de manière qu'un individu habilité à recevoir des paiements périodiques ou spéciaux (par ex. chèques de sécurité de sociale, distributions 401(k), paiements de dividendes, remboursements de taxes, etc.) puisse choisir de recevoir à la place d'une paiement, un organe de dépense (14) tel qu'une carte électronique, une carte de remise de commanditaire, une réduction de commanditaire, ou un coupon de commanditaire, pouvant être utilisés lors de l'achat de services ou de produits du commanditaire. Les commanditaires peuvent être des sociétés et des organisations souhaitant proposer des offres d'achat à leurs clients. Un individu souhaitant recevoir un organe de dépense plutôt que le paiement régulier sélectionne l'organe de dépense qu'il souhaite recevoir. L'individu attribue (16) son droit de paiement à un tiers. Le tiers peut être un commanditaire de l'organe de dépense ou une institution financière proposant des organes de dépense d'une pluralité de commanditaires. Si l'organe de paiement provient d'une institution financière, l'institution financière attribue un organe de dépense à l'individu et transfère le paiement de l'individu au commanditaire de l'organe de dépense. L'institution financière peut prélever une partie du paiement de l'individu en contrepartie du service fourni à l'individu et au commanditaire.

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