| 摘要 |
An on-line submission and voting system for participants to seek a collective merit-based loan payoff grant is provided. With a full subscription service including any number of members of a certain narrow (or broad) population of similarly situated individuals, the system allows for each participant to submit an essay (or other like document) for review by the population members on a monthly basis. Upon review, the members, who all contribute a certain monetary amount to the service within a set time period (such as monthly), are permitted to vote for the best overall essay (or essays) based on certain criteria. The winner or winners are then provided with proceeds from the service's fee intake specifically to provide student loan payoffs. Such a service may be correlated to geographic, industry, or any other group for such a purpose. The method of implementing and utilizing this inventive system are also encompassed herein. |
| 主权项 |
1. An on-line decision-making system to allow for a specific population to select winners of a merit-based competition, said system including the method steps of
1) providing a subscription service in an on-line setting, wherein said service allows for a voting population to be developed from individuals that subscribe as member voters and a contributing population developed from said voting population that further contributes creative works to said service in response to an invitation from said service; 2) having said voting population individuals subscribe through at least paying a voter subscription fee to said service for a certain time period; 3) having said service generate a certain topic for which a contributor may create a creative work in relation to said topic such that said generated topic is provided by said service for a specific period of time for action to be undertaken by a plurality of members of said contributing population; 4) allowing for submissions of said creative works by said plurality of members of said contributing population, wherein each submission is made together with a contributor submission fee, wherein said contributor subscription fee is greater in amount per individual than said voter subscription fee, and wherein said creative works are submitted by said plurality of members of said contributing population for review by said voting population individuals for the time period for which each member of said available voting population are subscribers thereto; 5) having said voting population individuals select the most meritorious creative work within said time frame in relation to said generated topic after collective review thereof, wherein the most votes cast for a single creative work is sufficient for collective selection thereof for such a purpose; and 6) having said on-line service then generate a payout to the creditor of a winner (or winners) selected by said voting population, wherein said payout is assessed in relation to a) the amount said winner (or winners) currently have as student loan debt and b) to the overall monetary amount generated by the available subscription fees for said voting population and, optionally, at least a portion of the submission fees from said plurality of members of said contributing population within the time frame during which said merit-based competition is open for contributor submissions and thus during which such competitive creation selection is made by said voting population. |
