Patent ID: 7542935
Filing Date: 2009-06-02
Classification: G06Q

Abstract:
1. A computer-implemented method comprising: executing a plurality of operations on at least one computer, wherein the operations comprise: associating each of a plurality of financial accounts with a financial account card, each account having a nominal interest rate and integrating both credit transactions and savings transactions of a same payment plan into a single account balance, wherein the transactions can be carried out at different times, for any agreed amount, with different fixed or adjustable effective interest, without losing payment conditions of each savings and credit transaction; defining account payment plans that each have a fixed amortization rate, a fixed or adjustable nominal interest rate, a payment cycle, an account unit value, an adjustment index of value and an indicator of whether or not the nominal interest rate is proportionally applied in a first cycle, between the transaction date and the deadline of the cycle; wherein each account payment plan is considered long, medium, or short term depending on the amortization rate and the payment cycle defined in the account payment plan; initiating simultaneous to savings and credit transactions a buying and selling transactions between two or more cardholders of two or more of the financial account cards, wherein a first accountholder is a buyer that obtains credit and a second accountholder is a seller that saves, wherein the buying and selling transactions must be done, directly or indirectly, between the two or more cardholders, and wherein the effective or cash value of the buying and selling transaction is integrated into the account balance of the drawer cardholder as a credit and into the account balance of the taker cardholder as a savings, in a nominal value financially equivalent, which is determined automatically in accordance with terms defined by of a financial institution or negotiated considering an effective market interest rate, a fixed or adjustable nominal interest rate, the amortization rate of the account payment plan, the payment cycle of the account payment plan, the time between the transaction date and the deadline of the cycle, and commissions; storing, maintaining, and applying available credit limit data for each account, wherein the available credit limit data for each account depends on the account balances, every guarantees delivered and payment capacity of the accountholder; prior to integration of a credit or savings transaction into an account balance, keeping the credit or savings transaction in an auxiliary account that earns or does not earn interest depending on the account payment plan; integrating a credit or savings transaction into the account balance in the next payment cycle deadline; wherein a credit transaction creates or increases a debt balance, changes a savings balance to a debt balance, or diminishes or liquidates a savings balance; wherein a savings transaction creates or increases a savings balance, changes a debt balance to a savings balance, or diminishes or liquidates a debt balance; wherein a clearing account operates to balance transactions involving different financial institutions or to counterbalance directly by the open accounts of those financial institutions in the corresponding institutions involved in the transaction; if different account payment plans are involved in a transaction, carrying out the transaction with facilitation by a computer by using one or more intermediary cardholders; wherein each account balance, savings or debt, is ordinarily amortized, compulsorily and periodically, in each payment cycle, which is determined applying the fixed amortization rate defined in the account payment plan to the account balance of the previous cycle; and wherein each account balance, savings or debt, earns an interest in each payment cycle, which is determined by applying the fixed or adjustable nominal interest rate of the account payment plan to the account balance of the previous cycle; wherein all effective value paid or not paid, over or under the ordinary installment, is converted to an equivalent nominal value before being integrated into the account balance; wherein this extraordinary amortization, positive or negative, is carried out when the cardholder pays or receives an installment, and wherein the other side of the savings and credit transaction is a financial institution as a cardholder.