Patent ID: 7797238

Claim:
A computer-implemented method for operating a money market account, comprising: storing an account balance in an account memory, the account balance indicating monetary assets of a customer contained in the account and being variable at the control of the customer, wherein at least a portion of the monetary assets are invested in a money market over a time period comprising a plurality of discrete temporal divisions wherein the money market has a predetermined interest rate; calculating, using a processor in communication with the account memory, a plurality of average balances of the account, each average balance calculated over one of the discrete temporal divisions of the time period; selecting one of the average balances, based on predetermined criteria, to represent a selected average balance of the account, wherein the predetermined criteria excludes the first one or two temporal divisions; and calculating, using the processor, a monetary bonus that is calculated based on a predetermined percentage of the selected average balance; wherein a statement is transmitted to the customer indicating the bonus.