Patent ID: 7484658

Claim:
A method for consumers at the point of purchase/sale to automatically invest funds into a personal money saving program via a retailer/wholesaler comprising the steps of: a consumer applying for a personal membership card with said retailer/wholesaler at which time said retailer/wholesaler provides an identification means for associating/identifying said consumer with said membership card, said consumer becoming a first member, said retailer/wholesaler upon approval supplying said first member with said personal membership card and charging a membership fee, said first member establishing an investment vehicle according to their choosing, said first member informing said retailer/wholesaler of said established investment vehicle, said retailer/wholesaler associating said investment vehicle with said membership card, said first member presenting said personal membership card at said point of purchase/sale, a pre-determined percent of an actual sales price is incorporated into said purchase/sale, said retailer/wholesaler receiving payment at said point of purchase/sale at which time said retailer/consumer applies said pre-determined percent of said purchase/sale automatically into said investment vehicle associated with said first member, said retailer/wholesaler authorizing said first member after becoming a member to sell memberships to potential members, said first member upon selling said membership to said potential member, said first member receiving a first member designated membership fee from said potential member, said retailer/wholesaler credits said first member designated membership fee into said investment vehicle associated with said member, said potential member becoming a second member, said second member registering with said retailer/wholesaler and establish an investment vehicle and receiving a membership card.