Patents Assigned to Consumer and Merchant Awareness Foundation
  • Publication number: 20110004546
    Abstract: The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Application
    Filed: August 6, 2010
    Publication date: January 6, 2011
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas
  • Publication number: 20110004514
    Abstract: The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Application
    Filed: August 6, 2010
    Publication date: January 6, 2011
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas
  • Publication number: 20100325036
    Abstract: The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Application
    Filed: August 6, 2010
    Publication date: December 23, 2010
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas
  • Publication number: 20100324986
    Abstract: The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Application
    Filed: August 6, 2010
    Publication date: December 23, 2010
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas
  • Patent number: 7849007
    Abstract: The invention encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general, the system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system then provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Grant
    Filed: May 24, 2004
    Date of Patent: December 7, 2010
    Assignee: Consumer and Merchant Awareness Foundation
    Inventor: Tracey R. Thomas
  • Publication number: 20100299251
    Abstract: The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Application
    Filed: August 5, 2010
    Publication date: November 25, 2010
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas
  • Publication number: 20100299252
    Abstract: The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Application
    Filed: August 6, 2010
    Publication date: November 25, 2010
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas
  • Publication number: 20100299260
    Abstract: The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Application
    Filed: August 6, 2010
    Publication date: November 25, 2010
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas
  • Publication number: 20100274623
    Abstract: A method of selecting desired professionals in a system by a user which includes the process of forming a collective of repair persons on a system and allows users to sign on to the system. Once signed on to the system, users are able to search for matching repair persons based on search criteria provided by the users. With a match, the repair persons and users are notified and they proceed to schedule the project.
    Type: Application
    Filed: July 9, 2010
    Publication date: October 28, 2010
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas
  • Patent number: 7797208
    Abstract: The invention encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general, the invention obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals, then provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimum amounts due, due dates and available income. The invention also determines a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills.
    Type: Grant
    Filed: May 24, 2004
    Date of Patent: September 14, 2010
    Assignee: Consumer and Merchant Awareness Foundation
    Inventor: Tracey R. Thomas
  • Publication number: 20100198724
    Abstract: The system determines a community recommendation based upon community knowledge. The users consider the community recommendation when the users determine the largest amounts possible to pay to themselves, even if they are not able to fully pay outstanding debts. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, the community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Application
    Filed: April 8, 2010
    Publication date: August 5, 2010
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas
  • Publication number: 20100174645
    Abstract: The system encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Application
    Filed: March 1, 2010
    Publication date: July 8, 2010
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas
  • Patent number: 7752102
    Abstract: The system encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general, the system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system then provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills.
    Type: Grant
    Filed: May 24, 2004
    Date of Patent: July 6, 2010
    Assignee: Consumer and Merchant Awareness Foundation
    Inventor: Tracey R. Thomas
  • Publication number: 20100153200
    Abstract: The system encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.
    Type: Application
    Filed: February 23, 2010
    Publication date: June 17, 2010
    Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATION
    Inventor: Tracey R. Thomas