Patent ID: 8160921

Claim:
A system configured to influence the behavior of a user of a financial account, the system comprising: a computer readable database configured to store account data; and a computer processor coupled to the database, with the computer processor configured to: establish user identity in the database; create a financial account for each user in the database; assign a transaction code to each type of deposit transaction associated with the financial account and totaling each type of deposit transaction based on the transaction code during a current time period; determine a net sum of the value of all signature card transactions associated with the financial account less the value of all signature card returns associated with the financial account during the current period; total electronic debits transacted in the financial account during the current period; issue an E-statement for the financial account at the end of the current period; and including an incentive calculation logic module configured to automatically calculate a cash credit to the financial account for the current period based on the net sum of the net signature card transactions, the total electronic debit transactions, the total of deposit transactions, and issuance of the E-statement; wherein the cash credit encourages the user to engage in electronic utilization of the financial account.