SYSTEMS AND METHODS FOR IDENTIFYING SPECIAL PROMOTION OPPORTUNITIES IN A SAVING AND PRE-PAY SYSTEM

摘要

A system comprising a selection engine configured allow a user to browse information related to a plurality of products and services that are related by a common theme in order to develop a personal plan; a calculator that allows the user to select certain products and services, an amount to be saved and a period associated with the saving act in accordance with the personal plan and to display the results of these selections in terms of contributions and timing; a credit calculator that allows the user to input credit information including balance and interest rate and configured to calculate how many payments, the amount thereof, and total interest paid for selected products and services, for comparison with the contributions and timing determined by the calculator; and a fund transfer engine configured to transfer the user's funds into a user account associated with the user in accordance with the selections input into the calculator.