Abstract: A long term goal oriented incentive learning and feedback award system is disclosed. A plurality of third party providers are enabled to directly provide financial incentives to a user in exchange for a specific user performance. A user is enabled to set up a trust account on the system to accumulate the financial incentives under the restriction of a long term goal. The long term goal includes supporting college education, supporting retirement, staring a business, or patenting an innovation. A user performance includes a school study, a feedback to teachers or a feedback about a medicine or a political survey.

Abstract: A business system and method for providing online distribution and accumulation of incentive rewards according to the present invention comprises one or more rewards accumulation accounts which can be designated to the buyer himself or herself or any beneficiary. The system and method allows the buyer to save and accumulate the earned rewards and accumulate interest for a set of specific objectives, for example, retirement or education. The rewards in the accumulation account can be redeemed and cashed out only when the set objectives or conditions are met. This business system and method helps people to save money from normal daily living necessity spending.

Abstract: A long term goal oriented commercial promotion system is disclosed. A user is enabled to set up a trust account on the system to accumulate the financial incentives under the condition of a long term goal. The long term goal includes supporting college education, supporting retirement, staring a business, or patenting an innovation. A user performance includes various commercial activities required by a merchant.