Patent ID: 8612349
Filing Date: 2013-12-17
Classification: G06Q

Abstract:
1. A cloud computing method for accumulating money using computer instructions partially resident in a computing cloud having a cloud based processor and a cloud based data storage for bidirectional communication and partially resident on a client device with a client device data storage and the computing cloud is accessible using the client device through a network, the cloud computing method comprising the steps of: a. using the client device to log into the cloud based processor connected to the cloud based data storage; b. using the computing cloud configured to provide at least one service and shared hardware and software resources and the computing cloud is configured to provide the at least one service and the shared hardware and software resources with the client device via the network to perform the following steps: c. create an account for accumulating money and link the account for accumulating money to the user profile, wherein the user profile is stored in the client device application, the cloud based data storage, or combinations thereof; d. receive and store financial information from the user in the user profile for linking a financial account associated with the financial information to the account for accumulating money; e. impulsively saving and transferring money in incremental amounts from the financial account into the account for accumulating money as a non-spending decision occurs or as a savings decision occurs; f. insert two goals into the user profile consisting of: g. compute a monetary money amount to be accumulated in the account for accumulating money per unit of time in order to reach the goal, and recalculating the monetary money amount to be accumulated per unit of time as the savings occur, the deposits occur, or both, and present a recalculated monetary money amount to be accumulated per unit of time in order to reach the goal on the client device; h. electronically make or receive money deposits into the account for accumulating money, wherein the money deposits comprise: i. display the monetary goal and the non-monetary goal and progress towards the monetary goal and the non-monetary goals in the user interface at preset intervals at random intervals, and combinations thereof with the progress toward the monetary goal and the non-monetary goal presented as a digital graphical display, a pie chart, a bar graph, a chart, a table, a graph, a visual display of a non-monetary goal indicator, or combinations thereof; and j. an alarm to the client device when, during a predefined time period, the account for accumulating money has not received cash deposits sufficient to accumulate the monetary money amount to be accumulated by a certain date.