Consumer investing program utilizing special offers, rebates and discounts

A process of consumer saving and investing under a plan participated in by a consumer and a commercial entity, and administered by a banking and/or investment entity, comprising the steps of:

• entering into an agreement between the consumer and the banking and/or investment entity whereby the consumer becomes a member of the plan;
• opening an account under the plan at the request of the consumer;
• administering the account by the banking and/or investment entity on behalf of the member;
• completing a commercial transaction between the member and the commercial entity;
• linking the commercial transaction with the account associated with the member under the plan;
• identifying the consumer as a member of the plan;
• generating a monetary reward on completion of the commercial transaction;
• transferring the monetary reward to the banking and/or investment entity under the plan;
• educating the member about uses for funds accumulated by the member under the plan;
• and
• directing specified accumulated funds associated with the member, for a purpose designated by the member.

A process of consumer saving and investing under a plan participated in by a consumer and a commercial entity, and administered by a banking and/or investment entity, comprising the steps of:

• entering into an agreement between the consumer and the banking and/or investment entity whereby the consumer becomes a member of the plan;
• opening an account under the plan at the request of the consumer;
• administering the account by the banking and/or investment entity on behalf of the member;
• completing a commercial transaction between the member and the commercial entity;
• linking the commercial transaction with the account associated with the member under the plan;
• identifying the consumer as a member of the plan;
• generating a monetary reward on completion of the commercial transaction;
• transferring the monetary reward to the banking and/or investment entity under the plan;
• receiving the monetary reward into the account associated with the member participating in the commercial transaction;
• educating the member about uses for funds accumulated by the member under the plan;
• providing financial education to the member by the banking and/or investment entity;
• and
• directing specified accumulated funds associated with the member, for a purpose designated by the member.