| 摘要 |
A method for accumulating funds in a target account is provided. A server receives transaction data from a user via a communications network, wherein the transaction data includes at least a unique identifier for the user and a spending amount. Next, the server accesses a record associated with the user and reads at least a savings determinant, source account data and target account data from the record. Then, the server calculates a savings amount based on the savings determinant and the spending amount and increments a current value based on the savings amount. Finally, the server transmits, over the communications network, a message to a provider of the source account, wherein the message includes a request to transfer the current value from the source account to the target account.
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