Patent ID: 8875998

Claim:
An electronic card for saving money, comprising: a debit card having an interface for electronic transaction devices; a processor operably connected to the interface and having at least one memory sufficient for storing data and a computer software program, the processor suitable for manipulating data in the at least one memory; and wherein the computer program cooperates with the processor and the at least one memory to accomplish the following steps: i. maintain an overall balance of the debit card; ii. maintain an available balance of the debit card; iii. maintain a balance on the debit card for at least one savings account; iv. each time a purchasing transaction is accomplished with the debit card, subtract an amount from the available balance and add the amount to the at least one savings account; and v. accept changes to the computer program to change the amount, wherein the overall balance of the debit card comprises the available balance and a balance of the at least one savings account.