Patent ID: 6941279

Claim:
A computerized method comprising: a credit card account provider establishing a credit card account using a computer for an approved cardholder; monitoring the net-purchases in said credit card account and calculating a rebate based on a percentage of said net-purchases periodically using a computer; issuing a statement to said cardholder using a computer including said calculated rebate and an offer to activate and fund an investment fund account with said rebate; activating said investment fund account upon acceptance of the offer by the cardholder; transferring the rebate to the investment fund account using a computer; and issuing a statement including information of the value of the investment fund account to said cardholders; wherein the statement including information of the value of the investment account is an investment account statement identifying rebate value applied to the investment account; and wherein the investment account statement further identifies an accrued rebate value which has not yet vested to be applied to the investment account.