Spending and savings secondary linked accounts
AssigneeeBay Inc.
InventorsGerman Scipioni, Donald James Fotsch, Joseph Edward Black, Amy Poling, Alp Tiritoglu
Life of this patent
Estimating the term…
Abstract
Embodiments describe a method and a system to link a secondary account to a primary account with an account management module associated with the primary account and to control access to funds in the secondary account with respect to a secondary account holder through the account management module. The secondary account includes a spending account and a savings account.
Claims26
A system comprising:
- an account management module:
- to link, using one or more processors, a secondary account to a primary account, the secondary account including a spending account and a savings account and having a dependent source portion and an independent source portion, the account management module associated with the primary account,
- to enable a holder of the primary account to control access to and use of funds in the dependent source portion of the secondary account with respect to a secondary account holder by limiting spending in certain categories or with certain merchants, and
- to allow the secondary account holder to control funds in the independent source portion.
A computer-implemented method comprising:
- linking, using one or more processors, a secondary account to a primary account with an account management module associated with the primary account, the secondary account including a spending account and a savings account and having a dependent source portion and an independent source portion;
- and
- enabling a holder of the primary account to control access to and use of funds in the dependent source portion of the secondary account with respect to a secondary account holder through the account management module by limiting spending in certain categories or with certain merchants while allowing the secondary account holder to control funds in the independent source portion.
A machine-readable storage medium comprising instructions, which when implemented by one or more processors perform operations comprising:
- linking a secondary account to a primary account with an account management module associated with the primary account, the secondary account including a spending account and a savings account and having a dependent source portion and an independent source portion;
- and
- enabling a holder of the primary account to control access to and use of funds in the dependent source portion of the secondary account with respect to a secondary account holder through the account management module by limiting spending in certain categories or with certain merchants while allowing the secondary account holder to control funds in the independent source portion.
A primary account user interface comprising:
- an account linking feature to link, using one or more processors, a secondary account to a primary account, the secondary account includes a spending account and a savings account and having a dependent source portion and an independent source portion;
- and
- an account management feature to enable a holder of the primary account to control access to and use of funds in the dependent source portion of the secondary account with respect to a secondary account holder by limiting spending in certain categories or with certain merchants, the account management feature further to allow the secondary account holder to control funds in the independent source portion.
Dependencies are inferred from the claim text.