Patents Assigned to Consumer and Merchant Awareness Foundation
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Publication number: 20110004546Abstract: 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: ApplicationFiled: August 6, 2010Publication date: January 6, 2011Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas
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Publication number: 20110004514Abstract: 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: ApplicationFiled: August 6, 2010Publication date: January 6, 2011Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas
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Publication number: 20100325036Abstract: 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: ApplicationFiled: August 6, 2010Publication date: December 23, 2010Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas
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Publication number: 20100324986Abstract: 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: ApplicationFiled: August 6, 2010Publication date: December 23, 2010Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas
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Patent number: 7849007Abstract: 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: GrantFiled: May 24, 2004Date of Patent: December 7, 2010Assignee: Consumer and Merchant Awareness FoundationInventor: Tracey R. Thomas
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Publication number: 20100299251Abstract: 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: ApplicationFiled: August 5, 2010Publication date: November 25, 2010Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas
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Publication number: 20100299252Abstract: 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: ApplicationFiled: August 6, 2010Publication date: November 25, 2010Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas
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Publication number: 20100299260Abstract: 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: ApplicationFiled: August 6, 2010Publication date: November 25, 2010Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas
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Publication number: 20100274623Abstract: 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: ApplicationFiled: July 9, 2010Publication date: October 28, 2010Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas
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Patent number: 7797208Abstract: 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: GrantFiled: May 24, 2004Date of Patent: September 14, 2010Assignee: Consumer and Merchant Awareness FoundationInventor: Tracey R. Thomas
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Publication number: 20100198724Abstract: 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: ApplicationFiled: April 8, 2010Publication date: August 5, 2010Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas
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Publication number: 20100174645Abstract: 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: ApplicationFiled: March 1, 2010Publication date: July 8, 2010Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas
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Patent number: 7752102Abstract: 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: GrantFiled: May 24, 2004Date of Patent: July 6, 2010Assignee: Consumer and Merchant Awareness FoundationInventor: Tracey R. Thomas
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Publication number: 20100153200Abstract: 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: ApplicationFiled: February 23, 2010Publication date: June 17, 2010Applicant: CONSUMER AND MERCHANT AWARENESS FOUNDATIONInventor: Tracey R. Thomas