Impulse Savings Using Savings Memoranda

摘要

A method includes receiving a message associated with a savings goal of a user, the message specifying an amount of money the user desires to contribute to the savings goal. The method further includes generating a savings memorandum associated with the savings goal that is stored in association with the savings goal and displaying the savings memorandum to the user along with a selectable option allowing the user accept, decline, or modify the savings memorandum. The method further includes initiating the transfer of the amount of money from a first account of the user to a second account of the user in response to a user selection to accept the savings memorandum, the second account being associated with the savings goal.

主权项

1. A method, comprising:
receiving, by a server system comprising at least one computer, a message associated with a savings goal of a user, the message specifying an amount of money the user desires to contribute to the savings goal, wherein the server system is associated with a financial institution and the user is a customer of the financial institution, the financial institution maintaining a plurality of customer accounts for the user; generating, by the at least one computer, a savings memorandum associated with the savings goal, the savings memorandum being stored in association with the savings goal; transmitting, by the at least one computer, the savings memorandum to the user along with a selectable option allowing the user accept, decline, or modify the savings memorandum; and in response to a user selection to accept the savings memorandum, initiating, by the at least one computer, the transfer of the amount of money from a first customer account maintained by the financial institution on behalf of the user to a second customer account maintained by the financial institution on behalf of the user, the second customer account being associated with the savings goal.