Patent ID: 7313543

Claim:
An administrative system for funding at least one investment product including: a charge card billing system capturing financial event information wherein said billing system comprises: a card account database including user accounts; a billing information database including information about user billings and to provide periodic statements related to previously established financial events; a financial events database including information about said previously established financial events associated with a user; a remittance database including information about user combined remittances of user funds, wherein said combined remittances include a portion of said user funds to satisfy debts charged to said user from said previously established financial events disclosed in said periodic statement and a portion of said user funds for at least one investment product as investment funds, wherein said investment funds were not previously invested, and without said charge card billing system loaning said investment funds to said user; a payment hierarchy system establishing rules for distributing said combined remittances to said previously established financial events and to an investment brokerage system configured to facilitate said investment; and, an investment broker system in communication with said billing system wherein said investment broker system comprises: an investment instruction arrangement database including user investment instruction information; an investment account database including said at least one investment product; and, an investment payment hierarchy system establishing rules for distributing said user funds to said at least one investment product.