Patent Publication Number: US-2022215357-A1

Title: Systems, apparatuses, interfaces, and applications of person specific funding instruments on specified celebration days and methods for implementing and using same

Description:
RELATED APPLICATIONS 
     This application claims provisional priority and the benefit of United States Provisional Patent Application Serial No. filed Nov. 17, 2020 (17 Nov. 2020). 
    
    
     BACKGROUND OF THE DISCLOSURE 
     1. Field of the Disclosure 
     Embodiments of the present disclosure relate to systems, apparatuses, interfaces, and applications for selecting specific funding instruments for user entered persons such as children, persons to be married, persons retiring, and/or other persons and selecting specific celebration days so that relatives and friends may contribute funds to the selected person funding instruments on one or more of the selected celebration days and methods for implementing and using same. 
     In particular, embodiments of the present disclosure relate to systems, apparatuses, interfaces, and applications for selecting specific funding instruments for user entered persons such as children, persons to be married, persons retiring, and/or other persons and selecting specific celebration days so that relatives and friends may contribute funds to the selected person funding instruments on one or more of the selected celebration days and methods for implementing and using same, wherein the systems, apparatuses, interfaces, and applications include one or more display devices, one or more input devices, and one or more output devices and one or more processing units in communication with the devices and wherein the systems, apparatuses, interfaces, and applications are in communication with distributed computing network such as the worldwide web or the internet and wherein the processing unit is configured to active the application, establish user names and passwords, gather relevant user information, register persons, select funding instruments, select celebration days, notify relatives and/or friends on the celebration days with a website link and person specific code, allow relatives and/or friends to access person funding pages via the website and person specific code, and accept funds for the selected instruments. 
     2. Description of the Related Art 
     While there are numerous systems in the prior art for setting up funding instruments for user entered persons such as children, persons to be married, persons retiring, and/or other persons, there is still a need in the art for an application that allows parents to select funding instruments for user entered persons such as children, persons to be married, persons retiring, and/or other persons and specific celebration days so that relatives and friends may contribute funds to the selected funding instruments on one or more of the specific celebration days. 
     SUMMARY OF THE DISCLOSURE 
     Embodiments of this disclosure provide systems, apparatuses, interfaces, and applications including one or more processing units, one or more display units, one or more input devices, and optionally one or more additional output devices associated with stationary, mobile, and/or wearable devices in communication with a distributed computer network such as the world wide web or the Internet, wherein the systems, apparatuses, interfaces, and/or applications are configured to: install the application on the stationary, mobile, and/or wearable devices; activate the systems, apparatuses, interfaces, and applications; establish login and password identification; enter user data; enter person specific data such as children, persons to be married, persons retiring, and/or other persons; enter person specific celebration days; enter person general celebration days; enter relative data; enter friend data; and enter person specific funding options. Once data entry is complete, the systems, apparatuses, interfaces, and/or applications are further configured to: monitor the entered celebration days and send a website link and a person specific code to the entered relatives and friends for each celebration day. Once the relatives and friends have received the website link and person specific code, the systems, apparatuses, interfaces, and/or applications are further configured to: each notified relatives and friends, proceeds to the website; enters the person specific code; selects a funding options; enters an amount to be donated; enters card, account, or alternate fund transfer form; and transfers the entered amount of funds to the selected funding option. 
     Embodiments of this disclosure provide methods implemented on computers, mobile devices, and/or wearable devices in communication with a distributed computer network such as the world wide web or the internet, wherein the methods include: installing the systems, apparatuses, interfaces, and applications on the stationary, mobile, and/or wearable devices; activating the systems, apparatuses, interfaces, and applications; establishing login and password identification; entering parent data; entering person specific data as children, persons to be married, persons retiring, and/or other persons; entering person specific celebration days; entering person general celebration days; entering relative data; entering friend data; and entering person specific funding options. Once data entry is complete, the method further include: monitoring the entered celebration days and sending a website link and a person specific code to relatives and friends for each celebration day. Once the relatives and friends have received the website link and person specific code, the methods further include: for each interested relative or friend, proceeding to the website link; entering the person specific code; selecting a person specific funding options; entering an amount to be donated; entering card, account, or alternate funds form; and transferring the entered amount of funds to the selected funding option. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS OF THE DISCLOSURE 
       The disclosure may be better understood with reference to the following detailed description together with the appended illustrative drawings in which like elements are numbered the same: 
         FIG. 1  depict is a schematic of a system, apparatus, interface, and/or application in communication with a distribution computing environment such as the worldwide web or the Internet. 
         FIG. 2A  depicts illustrative high level conceptual flow diagrams of a method implementing the systems, apparatuses, interfaces, and/or applications for entering data and sending out celebration day notifications. 
         FIG. 2B  depict illustrative high level conceptual flow diagrams of a method implementing the systems, apparatuses, interfaces, and/or applications for relative and friend for transferring funds to a selected funding options. 
         FIGS. 3A-B  depict stationary device and mobile device showing a highlighted icon for an interface or application of this disclosure implemented in or on a stationary device, mobile device, and/or wearable device. 
         FIGS. 4A-H  depict a screen shot sequence for performing certain aspects of the systems, apparatuses, interfaces, and/or applications and methods implementing them. 
         FIGS. 5A -AB depict a screen shot sequence for performing other aspects of the systems, apparatuses, interfaces, and/or applications and methods implementing them. 
         FIGS. 6A-M  depict a screen shot sequence for performing other aspects of the systems, apparatuses, interfaces, and/or applications and methods implementing them. 
         FIGS. 7A-G  depict a screen shot sequence for performing other aspects of the systems, apparatuses, interfaces, and/or applications and methods implementing them. 
     
    
    
     DEFINITIONS USED IN THE DISCLOSURE 
     The term “at least one”, “one or a plurality”, or “one or more” means one and two or more or one or a plurality, additionally, these three terms may be used interchangeably within this application. For example, at least one device means one or more devices or one or a plurality of devices. 
     The term “about” means that a value of a given quantity is within ±20% of the stated value. In other embodiments, the value is within ±15% of the stated value. In other embodiments, the value is within ±10% of the stated value. In other embodiments, the value is within ±5% of the stated value. In other embodiments, the value is within ±2.5% of the stated value. In other embodiments, the value is within ±1% of the stated value. In this disclosure, all subranges are includes and the end points are included. 
     The term “substantially” means that a value of a given quantity is within ±5% of the stated value. In other embodiments, the value is within ±2.5% of the stated value. In other embodiments, the value is within ±2% of the stated value. In other embodiments, the value is within ±1% of the stated value. In other embodiments, the value is within ±0.1% of the stated value. In this disclosure, all subranges are includes and the end points are included. 
     The term “selectable object”, “selectable item”, and “selectable icon” mean collectively any display element that may be selected by any selection methodology including motion based selection methodologies, gesture based selection methodologies, and/or hard selection based methodologies. 
     The term “motion based selection methodologies” mean any selection methodology based solely on user sensed motion. 
     The term “gesture based selection methodologies” mean any selection methodology based on capturing a gesture, confirming the gesture is acceptable, looking up an associated selectable object, item, or icon. 
     The term “hard selection based methodologies” mean any selection methodology that requires a specific select event such as a lift off event, a touch down event, a click, a double click, a tap, a double tap, or any other event that immediately causes an object, item, or icon selection. 
     In this disclosure, all ranges include all subranges. 
     DETAILED DESCRIPTION OF THE DISCLOSURE 
     The inventors have found that systems, apparatuses, interfaces, and applications and methods implementing them may be constructed to allow user such as parents to set up funding options for persons such as children, persons to be married, persons retiring, and/or other persons so that relatives and friends to transfer funds to the funding options set up by the users, wherein the funding options may include a life insurance policy, an annuity, a bank account such as a checking account, a saving account, a money market account, etc., an individual retirement account such as a traditional IRA, a Roth IRA, etc., a college account, a car account, a housing account, a prepaid credit card, a money order, or any other fundable instrument. The systems, apparatuses, interfaces, and/or applications and methods implementing them accomplishes the funding process for each celebration day entered into the systems, apparatuses, interfaces, and/or applications by a user such as a parent and sends a website link and a person specific code to each entered relative or friend allowing each entered relative or friend to go to the website link, enter the person specific code, and transfer funds to one or more parent entered funding options. The use of a website link and person specific code is to protect the users, entered persons, entered relatives, and entered friends from outsiders attempting to view the user, entered person, entered relatives, and entered friends data. The website link and person specific code simply allow notified relatives and friends to enter funds to one or more parent entered funding options using the person specific code at the sent website link. 
     Embodiments of this disclosure broadly relate to systems, apparatuses, interfaces, and/or applications including one or more processing units, one or more display units, one or more input devices, and one or more additional output devices associated with stationary, mobile, and/or wearable devices in communication with a distributed computer network such as the world wide web or the Internet, wherein the systems, apparatuses, interfaces, and/or applications are configured to: install the application on one or more stationary, mobile, and/or wearable devices; activate the systems, apparatuses, interfaces, and/or applications; enter login and password information; enter user data; enter person specific data; enter specific celebration days; enter general celebration days; enter relative data; enter friend data; and enter funding options. In certain embodiments, the persons are children, persons to be married, persons retiring, and/or other persons. Once data entry is complete, the systems, apparatuses, interfaces, and/or applications are further configured to: monitor the entered celebration days and send a website link and a person specific code to relatives and friends for each celebration day and for each relative and friend. Once the relatives and friends have received the website link and person specific code, the systems, apparatuses, interfaces, and/or applications are further configured to: proceed to the website; enter the person specific code; select a funding options; enter amount to be donated; enter card, account, or alternate funds mechanism; and transfer the entered amount of funds to the selected funding option. 
     Embodiments of this disclosure broadly relate to methods implemented on computers, mobile devices, and/or wearable devices in communication with a distributed computer network such as the world wide web or the internet, wherein the methods include: installing the systems, apparatuses, interfaces, and/or applications on the stationary, mobile, and/or wearable devices; activating the systems, apparatuses, interfaces, and/or applications; entering login and password information; entering user data; entering person specific data; entering specific celebration days; entering general celebration days; entering relative data; entering friend data; and entering funding options. Once data entry is complete, the methods further include: monitoring the entered celebration days and sending a website link and a person specific code to the entered relatives and friends for each celebration day. Once the relatives and friends have received the website link and a person specific code, the methods further include: for each relative or friend, proceeding to the website link; entering the person specific code; selecting a funding options; enter an amount to be donated; entering card, account, or alternate funds mechanism; and transferring the entered amount of funds to the selected funding option. 
     In certain embodiments, the systems, apparatuses, interfaces, and/or applications and methods implementing them are configured to be funding by a number of different methods including (a) an annual fee, semi-annual fee, or a monthly fee per user, (b) a fee for each funding transaction, (c) an annual fee, semi-annual fee, or a monthly fee based on a percentage of the value of funds in each funding option, (d) a fee for each policy, account, or other funding option opened via the systems, apparatuses, interfaces, and/or applications and methods implementing them, or (e) any combination thereof. 
     In certain embodiments, the systems, apparatuses, interfaces, and/or applications include user devices, relative devices, friend devices, and servers. The user devices are configured to install an application onto a user device, open the application on the user device, if the user is a first time user, then: enter a user name, a user password, a user phone number, and a user email address into server databases, enter user data and user payment method data into the server databases, enter specific person data, specific person celebration days, specific person funding options, person relatives data, and person friends data into the server databases, if all persons have not been entered, repeat enter specific person data, specific person celebration days, specific person funding options, person relatives data, and person friends data into the server databases, and if all persons have been entered, then modify entered data in the server databases. The servers are configured to test for a celebration day in the server databases, and if a celebration day is detected, determine the person associated with the celebration day and send a website link and a person specific code, otherwise continue to test for a celebration day. The devices of the relatives and friends are configured to receive the website link and the person specific code, display the funding options associated with the person specific code, select a funding option, enter an amount of funds to be transferred to the selected funding option, display payment types, select a funding type, enter information associated with the selected funding type, transfer the amount of funds, and receive a funds transfer confirmation. The servers are further configured to continue to test for a celebration day. In other embodiments, the servers are further configured to after the entering the user name, the user password, the user phone number, and the user email address, verifying user identify including selecting a verification mode, sending a verification code, entering the verification code, and if the verification code is incorrect, then stopping the method. In other embodiments, the servers are further configured to after the entering the amount of funds, verifying relative or friend identify including selecting a verification mode, sending a verification code, entering the verification code, and if the verification code is incorrect, then stopping the method. In other embodiments, the systems, apparatuses, interfaces, applications, and/or servers include links to third party social media platforms so that the systems, apparatuses, interfaces, applications, and/or servers may pull contact information of friends and relatives or push notification content to the third party social media platforms for distribution to relatives and friends resident on the social media platforms, wherein the social media platforms include FaceBook, Instragram, WhatsApp, QQ, WeChat, Qzone, Tumblr, Twitter, Google+, Baidu Tieba, Skype, Viber, Sina Weibo, LINE, Snapchat, YY, VKontakte (VK), Pinterest, LinkedIn, Telegram, Reddit, Taringa, TikTok, Foursquare, Renren, Tagged, Badoo, Myspace, Mix, The Dots, Kiwibox, Skyrock, Delicious, Snapfish, ReverbNation, Flixster, Care2, CafeMom, Ravelry, Nextdoor, Wayn, Cellufun, YouTube, Upstream, Classmates, MyHeritage, Viadeo, Xing, Xanga, LiveJournal, Friendster, Funny or Die, Gaia Online, We Heart It, Buzznet, DeviantArt, Flickr, MeetMe, MeWe, Meetup, Tout, Mixi, Douban, Vero, Quora, Spreely, Discord, WT Social, Triller, Elpha, Yubo, PopBase, Peanut, Valence, Flip, HouseParty, Caffeine, Steemit, Goodreads, Twitch, CaringBridge, WattPad, Crunchyroll, Soundcloud, Mocospace, CouchSurfing, italki, Medium, Ello, Vimeo, Giphy, Tribe, Kuaishou, Imgur, Influenster, FilmAffinity, Open Diary, Bubbly, other similar social media platforms, or any combination thereof. 
     In certain embodiments, the methods implementing the systems, apparatuses, interfaces, and/or applications include installing an application on a user device and opening and activating with the application on the user device. The methods also include if the user is a first time user, then entering a user name, a user password, a user phone number, and a user email address, entering user data and user payment method data, entering specific person data, specific person celebration days, specific person funding options, person relatives data, and person friends data, if all persons have not been entered, repeating entering specific person data, specific person celebration days, specific person funding options, person relatives data, and person friends data, and if all persons have been entered, then modifying entered data. The methods also include on databases associated the servers, testing for a celebration day, if a celebration day is detected, determining the person associated with the celebration day and sending a website and a person specific code, otherwise continue testing for a celebration day. The methods also include once the website link and person specific code is received on a relative or friend device, entering the website link and the person specific code, displaying the funding options associated with the person specific code on the relative or friend device, selecting a funding option, entering an amount of funds to be transferred to the selected funding option, displaying payment types, selecting a funding type, entering information associated with the selected funding type, submitting payment, and sending payment confirmation to the relative or friend device. The methods also include returning to testing for a celebration day. In other embodiments, the methods further includes after the entering the user name, the user password, the user phone number, and the user email address, verifying user identify including selecting a verification mode, sending a verification code, entering the verification code, and if the verification code is incorrect, then stopping the method. In other embodiments, the methods also include after the entering the amount of funds, verifying relative or friend identify including selecting a verification mode, sending a verification code, entering the verification code, and if the verification code is incorrect, then stopping the method. 
     In certain embodiments, the methods implementing the systems, apparatuses, interfaces, and/or applications include 
     Suitable Components for Use in the Disclosure 
     Motion Sensors 
     Suitable motion sensors include, without limitation, optical sensors, acoustic sensors, thermal sensors, optoacoustic sensors, wave form sensors, pixel differentiators, or any other sensor or combination of sensors that are capable of sensing movement or changes in movement, or mixtures and combinations thereof. Suitable motion sensing apparatus include, without limitation, motion sensors of any form such as digital cameras, optical scanners, optical roller ball devices, touch pads, inductive pads, capacitive pads, holographic devices, laser tracking devices, thermal devices, electromagnetic field (EMF) sensors, wave form sensors, any other device capable of sensing motion, changes in EMF, changes in a wave form, or the like or arrays of such devices or mixtures or combinations thereof. The sensors may be digital, analog, or a combination of digital and analog. The motion sensors may be touch pads, touchless pads, touch sensors, touchless sensors, inductive sensors, capacitive sensors, optical sensors, acoustic sensors, thermal sensors, optoacoustic sensors, electromagnetic field (EMF) sensors, strain gauges, accelerometers, pulse or waveform sensor, any other sensor that senses movement or changes in movement, or mixtures and combinations thereof. The sensors may be digital, analog, or a combination of digital and analog or any other type. For camera systems, the systems may sense motion within a zone, area, or volume in front of the lens or a plurality of lens. Optical sensors include any sensor using electromagnetic waves to detect movement or motion within in active zone. The optical sensors may operate in any region of the electromagnetic spectrum including, without limitation, radio frequency (RF), microwave, near infrared (IR), IR, far IR, visible, ultra violet (UV), or mixtures and combinations thereof. Exemplary optical sensors include, without limitation, camera systems, the systems may sense motion within a zone, area or volume in front of the lens. Acoustic sensor may operate over the entire sonic range which includes the human audio range, animal audio ranges, other ranges capable of being sensed by devices, or mixtures and combinations thereof EMF sensors may be used and operate in any frequency range of the electromagnetic spectrum or any waveform or field sensing device that are capable of discerning motion with a given electromagnetic field (EMF), any other field, or combination thereof. Moreover, LCD screen(s), other screens and/or displays may be incorporated to identify which devices are chosen or the temperature setting, etc. Moreover, the interface may project a virtual control surface and sense motion within the projected image and invoke actions based on the sensed motion. The motion sensor associated with the interfaces of this disclosure may also be acoustic motion sensor using any acceptable region of the sound spectrum. A volume of a liquid or gas, where a user&#39;s body part or object under the control of a user may be immersed, may be used, where sensors associated with the liquid or gas can discern motion. Any sensor being able to discern differences in transverse, longitudinal, pulse, compression or any other waveform may be used to discern motion and any sensor measuring gravitational, magnetic, electro-magnetic, or electrical changes relating to motion or contact while moving (resistive and capacitive screens) could be used. Of course, the interfaces can include mixtures or combinations of any known or yet to be invented motion sensors. The motion sensors may be used in conjunction with displays, keyboards, touch pads, touchless pads, sensors of any type, or other devices associated with a computer, a notebook computer or a drawing tablet or any mobile or stationary device, and/or device, head worn device, or stationary device. 
     Suitable motion sensing apparatus include, without limitation, motion sensors of any form such as digital cameras, optical scanners, optical roller ball devices, touch pads, inductive pads, capacitive pads, holographic devices, laser tracking devices, thermal devices, EMF sensors, wave form sensors, MEMS sensors, any other device capable of sensing motion, changes in EMF, changes in wave form, or the like or arrays of such devices or mixtures or combinations thereof. Other motion sensors that sense changes in pressure, in stress and strain (strain gauges), changes in surface coverage measured by sensors that measure surface area or changes in surface are coverage, change in acceleration measured by accelerometers, or any other sensor that measures changes in force, pressure, velocity, volume, gravity, acceleration, any other force sensor or mixtures and combinations thereof. 
     Processing Units 
     Suitable processing units for use in the present disclosure include, without limitation, digital processing units (DPUs), analog processing units (APUs), Field Programmable Gate Arrays (FPGAs), any other technology that may receive motion sensor output and generate command and/or control functions for objects under the control of the processing unit, and/or mixtures and combinations thereof. 
     Suitable digital processing units (DPUs) include, without limitation, any digital processing unit capable of accepting input from a plurality of devices and converting at least some of the input into output designed to select and/or control attributes of one or more of the devices. Exemplary examples of such DPUs include, without limitation, microprocessor, microcontrollers, or the like manufactured by Intel, Motorola, Ericsson, HP, Samsung, Hitachi, NRC, Applied Materials, AMD, Cyrix, Sun Microsystem, Philips, National Semiconductor, Qualcomm, or any other manufacture of microprocessors or microcontrollers, and/or mixtures or combinations thereof. 
     Suitable analog processing units (APUs) include, without limitation, any analog processing unit capable of accepting input from a plurality of devices and converting at least some of the input into output designed to control attributes of one or more of the devices. Such analog devices are available from manufacturers such as Analog Devices Inc. 
     User Feedback Units 
     Suitable user feedback units include, without limitation, cathode ray tubes, liquid crystal displays, light emitting diode displays, organic light emitting diode displays, plasma displays, touch screens, touch sensitive input/output devices, audio input/output devices, audio-visual input/output devices, holographic displays and environments, keyboard input devices, mouse input devices, optical input devices, and any other input and/or output device that permits a user to receive user intended inputs and generated output signals, and/or create input signals. 
     Devices 
     Suitable devices include, without limitation, stationary devices such as desk top computers, servers, etc.; mobile devices such as lap top computers, tablet computers, smart phones, PDAs, etc.; wearable devices such as watches, flexible wearable computing devices, etc.; and any other computing devices. 
     DETAILED DESCRIPTION OF THE DRAWINGS OF THE DISCLOSURE 
     A System Embodiment 
     Referring now to  FIG. 1 , an embodiment of a system or apparatus of this disclosure, generally  100 , is shown to include a user device  102  including a power supply  104 , one or more processing units  106 , one or more memory and mass storage units  108 , one or more input units  110 , one or more output units  112 , and one or more communication units  114 . The power supply  104  supplies power to the units  106 ,  108 ,  110 ,  112 , and  114  via power conducing pathways  116 . The one or more processing units  106  are in bilateral communication with the units  108 ,  110 ,  112 , and  114  via communication pathways  118 . 
     The system  100  also includes web-based servers  120  and other user devices  122 . The user device  102  is in bilateral communication with one or more or all of the web-based servers  120  via bilateral communication pathways  124 . Each of the other user devices  124  are in communication with one or more or all of the web-based servers  120  via bilateral communication pathways  126 . 
     It should be recognized that the servers  120  and the other user devices  122  will generally include the same or more of the components of the user device  102 , additionally the servers  120 , the user device  102 , and the other user devices  122  include operating systems as well as communication software associated with the communication unit  114 . Further, the servers  120  includes databases and database software for entering and retrieving information and data from the servers  120  and sending notices to relatives and friends at each celebration day. 
     Conceptual Flow Chart for Data Entry for Parent and Children 
     Referring now to  FIG. 2A , an embodiment of a conceptual flow chart of a method implementing the systems, apparatuses, interfaces, and/or applications, generally  200 , is shown to include a start step  202 , which generally is simply the activation on the user device  102  to make sure that it is awake and ready for receive input data. The method  200  includes installing the application on the user device  102  in an install application step  204 . If the application is already installed on the user device  102 , the method  200  by passed the install set and proceeds to opening or activating with the application in an open/activate application step  206 , which may be selecting an icon associated with the application or via any other activation procedure. 
     The method  200  then checks whether the user is a first time user in a  1 st time step  208 . If the user has been in the application before, then the method  200  proceeds along a NO path to continuation element C 1  and onto steps described below. 
     If user is a first time user, then the method  200  processes along a YES path to series of data entry steps. The first data entry step  210  involves entering a user name and password and phone number and email address. The method  200  also includes selecting a verification mode in a select verification mode step  212  and sending a verification code in a send verification code step  214 . The method  200  also includes entering the verification code in an enter verification code step  216 . The method  200  also includes testing the verification code in a test code step  218 . If the entered code is incorrect, then the method  200  proceeds along a NO path to an exit step  220 . 
     If the entered code is correct, then the method  200  proceeds along a YES path to enter parent information in an enter parent information data step  222 . The next data entry step  224  involves entering payment method information. The next data entry step  226  involves entering a child information. The next data entry step  228  involves entering child celebration days. 
     The method  200  is also shown to include continuation elements C 0  and C 2 , which link two figure pages together. 
     The next data entry step  230  involves entering one or more child funding options. The next data entry step  232  involves entering child relative and friend information. The method  200  also includes an all entered test step  234 . If all of the children have not been entered, then the method  200  proceeds along a NO path to the continuation element C 2 , which is linked to that enter child step  226 . 
     The continuation element C 1  is linked to the NO path of the 1 st  time test step  208  and proceeds to selecting a verification mode in a select verification mode step  236 . The method  200  also includes sending a verification code in a send verification code step  238 . The method  200  also includes entering the verification code in an enter verification code step  240 . The method  200  also includes testing the verification code in a test code step  242 . If the entered code is incorrect, then the method  200  proceeds along a NO path to an exit step  244 . If the entered code is correct, then the method  200  proceeds along a YES path to modifying entered information in a modify information step  246  and then to a celebration day test step  248 , and if all the children have been entered, then the method  200  proceeds along a YES path to the celebration test step  248 . 
     The celebration day test step  248  of the method  200  is designed to run on the servers  120  housing the system, apparatus, interface, and/or application databases. If an entered celebration day is detected by the celebration day test step  248  on one or more or all of the servers  120 , then method  200  proceeds along a YES path to an identify child step  250 , then to a send message to the entered relatives and friends including a website link and child specific code in a send step  252 , and finally to a continue step  254 , which returns control back to the celebration day test step  248 . If no celebration day is detected by one or more or all of the servers  120 , then the method  200  proceeds along a NO path to the continuation step  254 , which again returns control back to the celebration day test step  248 . Clearly, the part of the systems, apparatuses, interfaces, and/or applications running on the servers  120  is configured to monitor data in the database(s) and send celebration day notifications for all celebration days entered into the database(s). Many notifications may go out on any given celebration day including child specific celebration days and general celebration days. 
     Conceptual Flow Chart for Relative and Friend Fund Entry 
     Referring now to  FIG. 2B , the method  260  further include the step associated with relatives and friends interacting with the method  260  after a notification has been sent to each of the entered relatives or friends. The method  260  includes receiving the send notification including the website link and child specific code in a receive step  260 . The method  260  also a relative or friend going to the website link in a go to website link step  262 . The method  260  also include a relative or friend entering the child specific code in an enter child specific code step  264 . The method  260  also include a step of displaying the funding options for the child associated with the child code in a display funding options step  266 . The method  260  also include a step of selecting a funding option in a select funding option step  268 . The method  260  also include a step of entering an amount of funds to be transferred to the selected funding option in an enter amount step  270 . 
     The method  260  also include selecting a verification mode in a select verification mode step  272 . The method  260  also includes sending a verification code in a send verification code step  274 . The method  260  also includes entering the verification code in an enter verification code step  276 . The method  260  also includes testing the verification code in a test code step  278 . If the entered code is incorrect, then the method  260  proceeds along a NO path to an exit step  280 . 
     If the entered code is correct, then the method  260  proceeds along a YES path to displaying and selecting payment types and select a funding site a display and select funding type step  282 . The method  260  also include a type conditional branching step  284 . If the funding type is a credit, debit, or other funds card, then process is transferred along a CC path to an enter card information step  286 . If the funding type is a bank account or other type of account, then process is transferred along a BA path to an enter bank account information step  288 . If the funding type is a other type of funding type, then process is transferred along an OT path to an enter other funding type information step  290 , such as PayPal®, ApplePay®, or other third party funding types. The method  260  also include submitting payment after entering payment type information in a submit payment step  292 . The method  260  also include sending payment confirmation in a send payment confirmation step  294  followed by an exit step  296 . 
     The systems, apparatuses, interfaces, and/or applications and methods implementing them are set up for charging an annual fee, which may be paid yearly, semi-annually, or monthly. The systems, apparatuses, interfaces, and/or applications and methods implementing them are set up so that the user may view the amount in the one or more chosen funding options. The systems, apparatuses, interfaces, and/or applications and methods implementing them are set up to charge a fee for managing the funds in the funding options, wherein the fee will be a percentage of the value of the one or more funding options. 
     It should be recognized that the methods of  FIGS. 2A and 2B  may be configured for any user and any user specific persons. 
     Stationary Devices 
     Referring now to  FIG. 3A , an embodiment of a stationary device, generally  296 , is shown to include a display  298 . The display  302  includes two zone  300  and  302 . The zone  304  includes icons  304  that are activated by double clicking, while the zone  306  includes single click activatable icons  306 . The application of this disclosures is represented by the highlighted icons  308  in each of the zones  304  and  306 , but of course the application icon  312  may be present only in one of the zones  304  or  306 . Of course, many of the other components of the stationary device are not shown such as cameras, speakers, mouse or other pointer input devices, keyboards, microphones, etc. 
     Mobile or Wearable Devices 
     Referring now to  FIG. 3B , an embodiment of a mobile or wearable device, generally  350 , is shown to include a display  352 . The display  352  includes two zone  354  and  356 . The zone  354  includes icons  358  that are activated by double clicking, while the zone  356  includes single click activatable icons  360 . The application of this disclosures is represented by the highlighted icons  362  in each of the zones  354  and  356 , but of course the application icon  312  may be present only in one of the zones  354  or  356 . The display  352  also includes an ON button  364  and a front facing camera  366 . Of course, many of the other components of the mobile device are not shown such as speakers, microphones, etc. 
     Screen Sequence Depicting Parent and Child Data Entry 
     Referring now to  FIGS. 4A-H , these figures depict a screen sequence for data entry after activating the application on a stationary, mobile or wearable device, assuming that the application has already been installed on the device and this is the first time the user has accessed the application. It should be recognized that the screen sequence  FIGS. 4A-G  may be configured for any user and any user specific persons. 
     Looking at  FIG. 4A , a device, generally  400 , is shown to include a display  402  having an active window area  404 . The window  404  includes an enter user name box  406  and a enter password box  408 . When entering the user name and password, the systems, apparatuses, and/or interfaces may suggest a user name and a password or give indications of the relative strength of either the user name and/or password and may also supply information on length and acceptable characters and symbols and whether the user name and/or password must contain at least one of each type of characters as is well known in the art. While no submit box is shown in any of these screen shots, it is assumed that striking the enter key will result in submission of the data, but each screen may also include a submit box (not shown). 
     Looking at  FIG. 4B , the window  404  is now shown to include parent entry boxes. Specifically, the window  404  now includes an enter mother&#39;s name box  410  having a first name entry location  410   a,  an initial entry location  410   b,  and a last name entry location  410   c.  The window  404  also now includes an enter mother&#39;s email address box  412  and an enter mother&#39;s phone number box  414 . The window  404  now also includes an enter mother&#39;s residence box  416  including a street address entry location  416   a,  an apartment number entry location  416   b,  a city entry location  416   c,  a state entry location  416   d,  and a zip code entry location  416   e.  Again, while no submit box is shown in any of these screen shots, it is assumed that enter will result in submission of the data, but each screen may include a submit box (not shown). 
     The window  404  now also includes an enter father&#39;s name box  418  having a first name entry location  418   a,  an initial entry location  418   b,  and a last name entry location  418   c.  The window  404  also includes an enter father&#39;s email address box  420  and an enter father&#39;s phone number box  422 . The window  404  also includes an enter father&#39;s residence box  424  including a street address entry location  424   a,  an apartment number entry location  424   b,  a city entry location  424   c,  a state entry location  424   d,  and a zip code entry location  424   e.  Of course, if the residence is the same, the entering “same in” the street address location will populate the mother&#39;s residency information in the father&#39;s residence box. Again, while no submit box is shown in any of these screen shots, it is assumed that striking the enter key will result in submission of the data, but each screen may include a submit box (not shown). 
     Looking at  FIG. 4C , the window  404  is now shown to include child entry boxes. Specifically, the window  404  now includes enter child&#39;s name boxes  426  including a first name entry location  426   a,  a middle initial entry location  426   b,  a last name entry location  426   c  and a nick name entry location  426   d.  The window  404  now also includes a more children box  428 , which if activated will bring up more enter child boxes  426 . Again, while no submit box is shown in any of these screen shots, it is assumed that striking the enter key will result in submission of the data, but each screen may include a submit box (not shown). For security purposes, the children name information may not be viewable except by the parents or other authorized persons that the parent identify to the application. The notification routines only send a website link and a child specific code, which includes no information about the child, parents, or other friends and relatives so even if received by some other person, the only information that the other person will have is the website link and the child specific code, which will not provide access to any information entered into the systems, apparatuses, interfaces, and/or applications. 
     Screen Sequence Depicting Celebration Day Data Entry 
     Looking at  FIG. 4D , the window  404  is now shown to include child boxes  430 - 1  through  430 - n.  The user may select each child box  430  so that the user may enter specific celebration day data for each child. In an alternate embodiment, the method may be configured so that when the parent enters in a child name and nick name, the method will jump to the relative and friend entry screens described above. Once the user selects a given child box  430 , the systems, apparatuses, interfaces, and/or applications proceed to  FIG. 4E , where the window  404  is now shown to include specific celebration day date boxes  432  including a day entry location  432   a,  a month entry location  432   b,  and a year entry location  432   c,  specific celebration day name  434 , and a more specific celebration day box  436 . The systems, apparatuses, interfaces, and/or applications then proceeds to  FIG. 4F , where the window  404  is now shown to include holiday celebration days type boxes  438  through  448 , and a more holiday celebration days box  450 . The box  438 , if selected, populates the general celebration days with appropriate Christian Holidays. The box  440 , if selected, populates the general celebration days with appropriate Jewish Holidays. The box  442 , if selected, populates the general celebration days with appropriate Muslim Holidays. The box  444 , if selected, populates the general celebration days with appropriate Buddhist Holidays. The box  446 , if selected, populates the general celebration days with appropriate Hindu Holidays. The box  438 , if selected, populates the general celebration days with appropriate Sikh Holidays. The more box  450  allows the user to enter in specific alternate general holidays dates, generally just a day and month or a type such as Chinese New Year, which falls on different days for each or Thanksgiving, which occurs on a designated Thursday. In all of the date boxes, the boxes may include drop down windows for selecting day, months and years. 
     Screen Sequence Depicting Relative and Friend Data Entry 
     Looking at  FIG. 4G , the window  404  is now an ENTER RELATIVE INFORMATION screen including an address book entry portion  452  including an enter address book location box  454  and a pull relative information from the address book box  456 . The boxes  454  and  456  are designed to permit the user to set up address book on the user&#39;s computer or computing device and direct the application to pull information from the indicated address book such as an Outlook address book or similar electronic address book. 
     The window  404  also includes a manual entry portion  458  including an enter relative name box  460  including a first name entry location  460   a,  a middle initial entry location  460   b,  and a last name entry location  460   c,  an email address box  462 , and a more box  464 , which if selected pulls up additional enter relative boxes  460 . 
     Looking at  FIG. 4H , the window  404  is now an ENTER FRIEND INFORMATION screen including an address book entry portion  466  including an enter address book location box  468  and a pull relative information from the address book box  470 . The boxes  468  and  470  are designed to permit the user to set up an address box on a computer or computing device and direct the application to pull information from the address book such as an Outlook address book or similar electronic address book. 
     The window  404  also includes a manual entry portion  472  including an enter relative name box  474  including a first name location  474   a,  a middle initial location  474   b,  and a last name location  474   c,  an email address box  476 , and a more box  478 , which if selected pulls up additional enter relative boxes  474 . 
     Screen Sequence Depicting Funding Option Selection and Data Entry 
     Referring now to  FIGS. 5A -AB, these figures depict a screen sequence for selecting funding options and data entry concerning the funding options. Looking at  FIG. 5A , the device, now generally  500 , is shown to include a display  502  having an active window area  504 . The window  504  includes a policy type funding options box  506 , an account type funding options box  514 , and other funding options box  530 . It should be recognized that the screen sequence  FIGS. 5A-G  may be configured for any user and any user specific persons. 
     Policy Type Funding Options 
     Looking at  FIG. 5B , if the user selected the policy funding options box  506 , then the window  504  now includes a life insurance box  506   a,  an annuity box  506   b,  and an other policy box  506   c.    
     Life Insurance 
     If the user selects the life insurance box  506   a  and already has a life insurance policy, then the window  504  would now include a life company information entry box  508   a  and a life insurance policy information box  508   b  as shown in  FIG. 5C . Alternative, if the user has not set up a life insurance policy, then the window  504  of  FIG. 5C  would also includes an apply for a life insurance policy box  508   c  and if selected would take the user to  FIG. 5D , which would include preferred life insurance company boxes  508   d  and other life insurance company boxes  508   e.  Selecting any one of the preferred life insurance company boxes  508   d  would result in the automatic issuance of a life insurance policy form the selected company and automatically transfer company and policy information to the boxes  508   a &amp; b.  Selecting any one of the other life insurance company boxes  508   e  would transfer control out of the application to the selected company&#39;s website, where the user may apply for an insurance policy. Once a policy has been issued, then the user may return to the window  504  of  FIG. 5C  for entering relevant information in boxes  508   a &amp; b.    
     Annuity 
     If the user selects the annuity policy box  506   b  and already has an annuity policy, then the window  504  would now include an annuity company information entry box  510   a  and an annuity policy information box  510   b  as shown in  FIG. 5E . Alternative, if the user has not set up an annuity policy, then the window  504  of  FIG. 5E  would also includes an apply for an annuity policy box  510   c  and if selected would take the user to  FIG. 5F , which would include preferred annuity company boxes  510   d  and other annuity company boxes  510   e.  Selecting any one of the preferred annuity company boxes  510   d  would result in the automatic issuance of an annuity policy and transference of relevant information to the boxes  510   a &amp; b.  Selecting any one of the other annuity company boxes  510   e  would transfer control out of the application to the selected company website, where the user may apply for an annuity policy. Once an annuity policy has been issued, then the user may return to the window  504  of  FIG. 5E  and enter relevant information in boxes  510   a &amp; b.    
     Other Policy Types 
     If the user selects the other policy box  506   c  and already has an other policy, then the window  504  would now include an other policy type information entry box  512   a,  an other policy type company information entry box  512   b,  and an other policy information entry box  512   c  as shown in  FIG. 5G . Alternative, if the user has not set up such a policy, then the window  504  of  FIG. 5G  would also includes an apply for an other type policy box  512   d  and if selected would take the user to  FIG. 5H , which would include preferred other type policy company boxes  512   e  and other type company boxes  512   f.  Selecting any one of the preferred other company boxes  512   e  would result in the automatic issuance of a policy and transference of relevant information to the boxes  512   a - c.  Selecting any one of the other type policy company boxes  512   f  would transfer control out of the application to the selected company site, where the user applies for an insurance policy at the selected company&#39;s website. Once a policy has been issued, then the user may return to the window  504  of  FIG. 5G  and enter relevant information in boxes  512   a - c.    
     Account Type Funding Options 
     Looking at  FIG. 5I , if the user selected the account funding options box  514 , then the window  504  now includes a saving account box  514   a,  a checking account box  514   b,  a money market account box  514   c,  a college account box  514   d,  a car account box  514   e,  a house account box  514   f,  and an other type of account box  514   g.    
     Saving Account 
     If the user selects the saving account box  514   a  and already has a saving account, then the window  504  would now include a financial company information entry box  516   a  and a saving account information entry box as shown in  FIG. 5J . Alternative, if the user has not set up a saving account, then the window  504  of  FIG. 5J  would also includes an open a saving account box  516   c  and if selected would take the user to  FIG. 5K , which would include preferred financial company boxes  516   d  and other financial company boxes  516   e.  Selecting any one of the preferred financial company boxes  516   d  would result in the automatic opening a saving account and would transfer relevant information to the boxes  516   a &amp; b.  Selecting any one of the other financial company boxes  516   e  would transfer control out of the application to the selected company website, where the user applies for a saving account. Once an account has been opened, then the user can return to the window  504  of  FIG. 5J  and enter relevant information in boxes  516   a &amp; b.    
     Checking Account 
     If the user selects the checking account box  514   b  and already has a checking account, then the window  504  would now include a financial company information entry box  518   a  and a checking account information entry box as shown in  FIG. 5L . Alternative, if the user has not set up a checking account, then the window  504  of  FIG. 5L  would also includes open a checking account box  518   c,  and if selected would take the user to  FIG. 5M , which would include preferred financial company boxes  518   d  and other financial company boxes  518   e.  Selecting any one of the preferred financial company boxes  518   d  would result in the automatic opening a checking account and transference of relevant information to the boxes  518   a &amp; b.  Selecting any one of the other financial company boxes  518   e  would transfer control out of the application to the selected company website, where the user applies for a checking account. Once an account has been opened, then the user may return to the window  504  of  FIG. 5L  and enter relevant information in boxes  518   a &amp; b.    
     Money Market Account 
     If the user selects the money market account box  514   c  and already has a money market account, then the window  504  would now include a financial company information entry box  520   a  and a money market account information entry box  520   b  as shown in  FIG. 5N . Alternative, if the user has not set up a money market account, then the window  504  of  FIG. 5N  would also includes open a money market account box  520   c,  and if selected would take the user to  FIG. 5O , which would include preferred financial company boxes  520   d  and other financial company boxes  520   e.  Selecting any one of the preferred financial company boxes  520   d  would result in the automatic opening a money market account and transference of relevant information to the boxes  520   a &amp; b.  Selecting any one of the other financial company boxes  520   e  would transfer control out of the application to the selected company website, where the user applies for a money market account. Once an account has been opened, then the user can return to the window  504  of  FIG. 5N  and enter relevant information in boxes  520   a &amp; b.    
     College Account 
     If the user selects the college account box  514   d  and already has a college account, then the window  504  would now include a financial company information entry box  522   a  and a college account information entry box  522   b  as shown in  FIG. 5P . Alternative, if the user has not set up a college account, then the window  504  of  FIG. 5P  would also includes open a college account box  522   c,  and if selected would take the user to  FIG. 5Q , which would include preferred financial company boxes  522   d  and other financial company boxes  522   e.  Selecting any one of the preferred financial company boxes  522   d  would result in the automatic opening a college account and transference of relevant information to the boxes  522   a &amp; b.  Selecting any one of the other financial company boxes  522   e  would transfer control out of the application to the selected company website, where the user applies for a college account. Once an account has been opened, then the user can return to the window  504  of  FIG. 5P  and enter relevant information in boxes  522   a &amp; b.    
     Car Account 
     If the user selects the car account box  514   e  and already has a car account, then the window  504  would now include a financial company information entry box  524   a  and a car account information entry box  524   b  as shown in  FIG. 5R . Alternative, if the user has not set up such car account, then the window  504  of  FIG. 5R  would also includes open a car account box  524   c,  and if selected would take the user to  FIG. 5S , which would include preferred financial company boxes  524   d  and other financial company boxes  524   e.  Selecting any one of the preferred financial company boxes  524   d  would result in the automatic opening a car account and would transfer relevant information to the boxes  524   a &amp; b.  Selecting any one of the other financial company boxes  524   e  would transfer control out of the application to the selected company website, where the user applies for a car account. Once an account has been opened, then the user can return to the window  504  of  FIG. 5R  and enter relevant information in boxes  524   a &amp; b.    
     House Account 
     If the user selects the house account box  514   f  and already has a house account, then the window  504  would now include a financial company information entry box  526   a  and a house account information entry box  526   b  as shown in  FIG. 5T . Alternative, if the user has not set up a house account, then the window  504  of  FIG. 5T  would also includes open a house account box  526   c,  and if selected would take the user to  FIG. 5U , which would include preferred financial company boxes  526   d  and other financial company boxes  526   e.  Selecting any one of the preferred financial company boxes  526   d  would result in the automatic opening a house account and would transfer relevant information to the boxes  526   a &amp; b.  Selecting any one of the other financial company boxes  526   e  would transfer control out of the application to the selected company website, where the user applies for a house account. Once an account has been opened, then the user can return to the window  504  of  FIG. 5T  and enter relevant information in boxes  526   a &amp; b.    
     Other Type of Account 
     If the user selects the other type of account box  514   g  and already has an other type of account, then the window  504  would now include an other account type entry box  528   a,  a financial company information entry box  528   b,  and an enter other account information entry box  528   c  as shown in  FIG. 5V . Alternative, if the user has not set up an other account type, then the window  504  of  FIG. 5V  would also includes an open an other account type box  528   d,  and if selected would take the user to  FIG. 5W , which would include preferred financial company boxes  528   e  and other financial company boxes  528   f.  Selecting any one of the preferred financial company boxes  528   e  would result in the automatic opening an account and would transfer relevant information to the boxes  528   b &amp; c.  Selecting any one of the other type financial company boxes  528   f  would transfer control out of the application to the selected company website, where the user applies for another type of account. Once an account has been opened, then the user can return to the window  504  of  FIG. 5V  and enter relevant information in boxes  528   b &amp; c.    
     Other Type of Funding Options 
     Looking at  FIG. 5X , if the user selected the other type funding options box  530 , then the window  504  now includes a PayPal® box  530   a,  a Bitcoin box  530   b,  an other cryptocurrency box  530   c,  and other funding option box  530   d.    
     PayPal® Entry 
     If the user selects the PayPal® box  530   a  and already has a PayPal® account, then the window  504  would now include a PayPal® account entry box  532   a  as shown in  FIG. 5Y . Alternative, if the user has not set up a PayPal® account, then the window  504  would also include an open PayPal® account box  532   b  and if selected would transfer control out of the application to the PayPal® website, where the user may apply for a PayPal® account. Once a PayPal® account has been opened, then the user returns to the window  504  of  FIG. 5Y  for PayPal® account information entry. 
     Bitcoin Entry 
     If the user selects the Bitcoin box  530   b,  then the window  504  would now include a Bitcoin account entry box  534   a  as shown in  FIG. 5Z . Alternative, if the user has not set up a Bitcoin account, then the window  504  would also includes an apply for a Bitcoin account box  534   b  and if selected would transfer control out of the application to the Bitcoin website, where the user may apply for a Bitcoin account. Once a Bitcoin account has been opened, then the user may return to the window  504  for Bitcoin account information entry. 
     Other Cryptocurrency Entry 
     If the user selects the other policy box  530   c  then the window  504  would now include an cryptocurrency company entry box  536   a  and an enter other cryptocurrency account information box  536   b  as shown in  FIG. 5AA . Alternative, if the user has not set up such an other cryptocurrency account, then the window  504  would also include an apply for an other cryptocurrency account box  536   c  and if selected would transfer control out of the application to the cryptocurrency company website, where the user may open an other cryptocurrency account. Once an other cryptocurrency account has been opened, then the user may return to the window  504  for other cryptocurrency account information entry. 
     Other Funding Option 
     If the user selects the other funding option box  530   d  and already has an other funding type account, then the window  504  would now include an other funding type option entry box  538   a,  an other type funding company entry box  538   b,  and an other type funding account information box  538   c  as shown in  FIG. 5AB . Alternative, if the user has not set up an other type funding account, then the window  504  would also include an apply for an other type funding account box  538   b  and if selected would transfer control out of the application to an other funding option company site, where the user can apply for an other funding type account. Once an other funding type account has been opened, then the user may return to the window  504  for other funding type account information entry. 
     Screen Sequence to Modify Entered Data and/or Add New Data 
     Referring now to  FIGS. 6A-M , these figures depict a screen sequence for modifying previously entered data or entering new data. It should be recognized that the screen sequence  FIGS. 6A-S  may be configured for any user and any user specific persons. 
     Looking at  FIG. 6A , the device, now generally  600 , is shown to include a display  602  having an active window area  604 . The window  604  includes a modify and/or add parent information box  606 , a modify and/or add child information box  608 , a modify and/or add specific celebration day information box  610 , a modify and/or add general celebration day information box  612 , a modify and/or add friend information box  614 , a modify and/or add relative information box  616 , and a modify and/or add funding option information box  618 . 
     Modify and/or Add Parent Information 
     If the user selects the modify and/or add parent information box  606 , then the system proceeds to  FIG. 6B  and the window  604  would now display, the mother&#39;s and father&#39;s information boxes including the enter mother&#39;s name box  410  having the first name entry location  410   a,  the initial entry location  410   b,  and the last name entry location  410   c  populated with the original information. The window  604  would also include the enter mother&#39;s email address box  412  and the enter mother&#39;s phone number box  414  also populated with the original information. The window  404  now also includes the enter mother&#39;s residence box  416  including a street address entry location  416   a,  an apartment number entry location  416   b,  a city entry location  416   c,  a state entry location  416   d,  and a zip code entry location  416   e  also populated with the original information. The window  604  now would also include the enter father&#39;s name box  418  having the first name entry location  418   a,  the initial entry location  418   b,  and the last name entry location  418   c  also populated with the original information. The window  404  also includes the enter father&#39;s email address box  420  and the enter father&#39;s phone number box  422  also populated with the original information. The window  404  also includes the enter father&#39;s residence box  424  including the street address entry location  424   a,  the apartment number entry location  424   b,  the city entry location  424   c,  the state entry location  424   d,  and the zip code entry location  424   e  also populated with the original information. The user may modify the information in any of the boxes. Again, while no submit box is shown in any of these screen shots, it is assumed that enter will result in submission of the data, but each screen may include a submit box (not shown). 
     Add New Parent 
     The window  604  would also include an add a parent box  620  and if selected the system would proceed to  FIG. 6C  and the window  604  would now include an enter mother&#39;s name box  410  having a first name entry location  410   a,  an initial entry location  410   b,  and a last name entry location  410   c.  The window  404  also now includes an enter mother&#39;s email address box  412  and an enter mother&#39;s phone number box  414 . The window  404  now also includes an enter mother&#39;s residence box  416  including a street address entry location  416   a,  an apartment number entry location  416   b,  a city entry location  416   c,  a state entry location  416   d,  and a zip code entry location  416   e.  Again, while no submit box is shown in any of these screen shots, it is assumed that enter will result in submission of the data, but each screen may include a submit box (not shown). The window  604  would also include an enter father&#39;s name box  418  having a first name entry location  418   a,  an initial entry location  418   b,  and a last name entry location  418   c.  The window  404  also includes an enter father&#39;s email address box  420  and an enter father&#39;s phone number box  422 . The window  404  also includes an enter father&#39;s residence box  424  including a street address entry location  424   a,  an apartment number entry location  424   b,  a city entry location  424   c,  a state entry location  424   d,  and a zip code entry location  424   e.  Of course, if the residence is the same, the entering “same in” the street address location will populate the mother&#39;s residency information in the father&#39;s residence box. Again, while no submit box is shown in any of these screen shots, it is assumed that striking the enter key will result in submission of the data, but each screen may include a submit box (not shown). 
     Modify and/or Add Child Information 
     If the user selects the modify and/or add child information box  608  and if selected the system would proceed to  FIG. 6D  and the window  604  would now display the enter child&#39;s name boxes  426  including the first name entry location  426   a,  the middle initial entry location  426   b,  the last name entry location  426   c  and the nick name entry location  426   d,  all populated with the original child information. The window  604  would also include the more children box  428 , which if activated will bring additional child boxes  426 . Adding or deleting children may simply be performed by modifying the original data and using the more box  428  to add additional children, which brings up the additional children and allows the user to enter new child. Again, modifying the information (removing, adding, altering) may have and entered via entering or the screen may include a submit box. 
     Modify and/or Add Specific Celebration Day Information 
     If the user selects the modify and/or add specific celebration day information box  610  and if selected the system would proceed to  FIG. 6E , then the window  604  would now include the child boxes  430 - 1  through  430 - n.  The user may select each of the child boxes  430  so that the user may modify, add, and/or delete specific celebration day data for each child. In an alternate embodiment, the method may be configured so that when the parent enters in the child name and/or nick name, the system will jump to the relative and friend entry screens described above. Once the user selects a given child from the child boxes  430 , the systems, apparatuses, interfaces, and/or applications proceed to  FIG. 6F , where the window  604  is now shown to include the specific celebration day date boxes  432  including the day entry location  432   a,  the month entry location  432   b,  and the year entry location  432   c,  the specific celebration day name  434 , and the add more specific celebration day box  436 , which will bring up additional specific celebration days. The boxes in the window is populated with the existing information. Again, modifying the information (removing, adding, altering) may have and entered via entering or the screen may include a submit box. 
     Modify and/or Add General Celebration Day Information 
     If the user selects the modify general celebration day information box  612  and if selected the system would proceed to  FIG. 6G , then the window  604  would now would include the holiday celebration days type boxes  438  through  448 , and to more holiday celebration days box  450 . The box  438 , if selected, populates the general celebration days with appropriate Christian Holidays. The box  440 , if selected, populates the general celebration days with appropriate Jewish Holidays. The box  442 , if selected, populates the general celebration days with appropriate Muslim Holidays. The box  444 , if selected, populates the general celebration days with appropriate Buddhist Holidays. The box  446 , if selected, populates the general celebration days with appropriate Hindu Holidays. The box  438 , if selected, populates the general celebration days with appropriate Sikh Holidays. The more box  450  allows the user to enter in specific alternate general holidays dates, generally just a day and month or a type such as Chinese New Year, which falls on different days for each or Thanksgiving, which occurs on a designated Thursday. In all of the date boxes, the boxes may include drop down windows for selecting day, months and years. The boxes in the window is populated with the existing information. Again, modifying the information (removing, adding, altering) may have and entered via entering or the screen may include a submit box. 
     Modify and/or Add Specific Relative Information 
     If the user selects the modify and/or add relative information box  614  and if selected the system would proceed to  FIG. 6H , then the window  604  would now modify relative information screen including an address book entry portion  452  including an enter address book location box  454  and a pull relative information from the address book box  456 . The boxes  454  and  456  are designed to permit the user to set up address book on the user&#39;s computer or computing device and direct the application to pull information from the indicated address book such as an Outlook address book or similar electronic address book. The boxes in the window is populated with the existing information. Again, modifying the information (removing, adding, altering) may have and entered via entering or the screen may include a submit box. 
     The window  404  also includes a manual entry portion  458  including an enter relative name box  460  including a first name entry location  460   a,  a middle initial entry location  460   b,  and a last name entry location  460   c,  an email address box  462 , and a more box  464 , which if selected pulls up additional enter relative boxes  460 . The boxes in the window is populated with the existing information. Again, modifying the information (removing, adding, altering) may have and entered via entering or the screen may include a submit box. 
     Modify and/or Add Specific Friend Information 
     If the user selects the modify and/or add friend information box  616  and if selected the system would proceed to  FIG. 6I , then the window  604  would now an modify friend information screen including an address book entry portion  466  including an enter address book location box  468  and a pull relative information from the address book box  470 . The boxes  468  and  470  are designed to permit the user to set up an address box on a computer or computing device and direct the application to pull information from the address book such as an Outlook address book or similar electronic address book. The boxes in the window is populated with the existing information. Again, modifying the information (removing, adding, altering) may have and entered via entering or the screen may include a submit box. 
     The window  404  also includes a manual entry portion  472  including an enter relative name box  474  including a first name location  474   a,  a middle initial location  474   b,  and a last name location  474   c,  an email address box  476 , and a more box  478 , which if selected pulls up additional enter relative boxes  474 . The boxes in the window is populated with the existing information. Again, modifying the information (removing, adding, altering) may have and entered via entering or the screen may include a submit box. 
     Modify and/or Add Funding Option Information 
     If the user selects the modify and/or funding option information box  618  and if selected the system would proceed to  FIG. 6J  and the window  604  would now include current policy funding option boxes  622 , current account funding option boxes  624 , current other funding option boxes  626 , and an add policy funding option box  628   a,  an add account funding option box  628   b,  and an add other type of funding option box  628   c.    
     If the user selects one of the current policy funding option boxes  622 , then the systems, apparatuses, interfaces, and/or applications would proceed to the selected current policy funding option information screen as shown in  FIG. 6K , where the window  604  now includes a selected current policy company information boxes  630   a  and a selected current policy information box  630   b,  populated with the original information. The user may modify the data (e.g., change type and/or information) or removal all information, which would have the effect of removing the funding option. The boxes in the window is populated with the existing information. Again, modifying the information (removing, adding, altering) may have and entered via entering or the screen may include a submit box. 
     If the user selects one of the current account funding option boxes  624 , then the systems, apparatuses, interfaces, and/or applications would proceed to the selected current account funding option information screen as shown in  FIG. 6L , where the window  604  now includes a selected current account company information boxes  632   a  and a selected current account information box  632   b,  populated with the original information. The user may modify the data (e.g., change type and/or information) or removal all information, which would have the effect of removing the funding option. The boxes in the window is populated with the existing information. Again, modifying the information (removing, adding, altering) may have and entered via entering or the screen may include a submit box. 
     If the user selects one of the current other type of funding option boxes  624 , then the systems, apparatuses, interfaces, and/or applications would proceed to the selected current other type of funding option information screen as shown in  FIG. 6M , where the window  604  now includes a selected current other type of funding company information boxes  634   a  and a selected current other type of funding information box  634   b,  populated with the original information. The user may modify the data (e.g., change type and/or information) or removal all information, which would have the effect of removing the funding option. The boxes in the window is populated with the existing information. Again, modifying the information (removing, adding, altering) may have and entered via entering or the screen may include a submit box. 
     If the user selects the add the policy funding option box  628   a,  then the systems, apparatuses, interfaces, and/or applications transfers control to the screen shot series of  FIGS. 5B-H  for adding a new policy. 
     If the user selects the add the account funding option box  628   b,  then the systems, apparatuses, interfaces, and/or applications transfer control to the screen shot series of  FIGS. 5I-W  for adding a new account. 
     If the user selects the add the other type of funding option box  628   c,  then the systems, apparatuses, interfaces, and/or applications transfer control to the screen shot series of  FIGS. 5X -AB for adding a new other funding type account. 
     Screen Sequence Depicting Relative and Friend Funding 
     Referring now to  FIGS. 7A-G , these figures depict a screen shot sequence for relatives and friends to transfer funds into one or more of the funding options created by the user. The device, now generally  700 , is shown to include a display  702  having an active window area  704 . It should be recognized that the screen sequence  FIGS. 7A-D  may be configured for any user and any user specific persons. 
     Looking at  FIG. 7A , the window  704  includes a receive website link box  706  and an enter website link box  708 . Alternatively, the systems, apparatuses, interfaces, and/or applications may be configured so that once received, the systems, apparatuses, interfaces, and/or applications automatically goes to the indicated website. 
     Looking at  FIG. 7B , the window  704  now includes an enter child code box  710 . 
     Looking at  FIG. 7C , after entering the child code into the box  710 , the window  704  now includes current child funding options including policy boxes  712   a,  account boxes  712   b,  and other type of account boxes  712   c.    
     Once a relative or friend selects a particular policy box  712   a,  a particular account box  712   b,  or a particular other type of account box  712   c,  then the systems, apparatuses, interfaces, and/or applications proceeds to  FIG. 7D  for funding the selected policy, account, or other type of account. The window  704  now includes an amount box  714   a,  a pay by card box  714   b,  a pay by account box  714   b,  and a pay by other method box  714   d.    
     If the relative or friend selects the pay by card box  714   b,  then the systems, apparatuses, interfaces, and/or applications proceeds to  FIG. 7E  for entering card information. The window  704  now includes an enter card number box  716   a,  an enter card holder name box  716   b,  an enter CSV number box  716   c,  and an enter card holder address box  716   d  including an enter street address box  716   e,  an enter apartment number box  716   f,  an enter city box  716   g,  an enter state box  716   h,  and an enter zip code box  716   i.    
     If the relative or friend selects the pay by account box  716   c,  then the systems, apparatuses, interfaces, and/or applications proceeds to  FIG. 7F  for entering account information. The window  704  now includes an enter financial institution box  718   a,  an enter financial institution swift code box  718   b,  an enter financial institution routing number box  718   c,  and an enter account number box  718   d.    
     If the relative or friend selects the pay by other method box  14   c,  then the systems, apparatuses, interfaces, and/or applications proceeds to  FIG. 7G  for entering other payment method information. The window  704  now includes an enter other payment type company box  718   a,  an enter other payment type transfer information box  718   b,  and an enter other payment type account information box  718   c.    
     Closing Paragraph of the Disclosure 
     All references cited herein are incorporated by reference. Although the disclosure has been disclosed with reference to its preferred embodiments, from reading this description those of skill in the art may appreciate changes and modification that may be made which do not depart from the scope and spirit of the disclosure as described above and claimed hereafter.