Patents by Inventor Zachariah Cooper

Zachariah Cooper has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • SYSTEMS AND METHODS FOR CREATING EXCESS FUNDS FROM RETAIL TRANSACTIONS AND APPORTIONING THOSE FUNDS INTO INVESTMENTS
    Publication number: 20220188933
    Abstract: This invention relates generally to the field of creating and distributing investment funds, and more particularly to systems and methods for creating excess funds from consumer transactions and distributing those funds into one or more investment accounts. Preferred embodiments of the present invention provide systems and methods for selecting transactions in a user's spending account to be rounded-up to the nearest dollar, creating a supplemental charge once the aggregation of those round-ups reach a specified minimum, and providing a closed system where the aggregated micro-charges may be converted into investments for long-term savings and growth.
    Type: Application
    Filed: July 23, 2021
    Publication date: June 16, 2022
    Inventors: Jeffrey Cruttenden, Walter Cruttenden, Zachariah Cooper
  • Systems and methods for creating excess funds from retail transactions and apportioning those funds into investments
    Patent number: 11176614
    Abstract: This invention relates generally to the field of creating and distributing investment funds, and more particularly to systems and methods for creating excess funds from consumer transactions and distributing those funds into one or more investment accounts. Preferred embodiments of the present invention provide systems and methods for selecting transactions in a user's spending account to be rounded-up to the nearest dollar, creating a supplemental charge once the aggregation of those round-ups reach a specified minimum, and providing a closed system where the aggregated micro-charges may be converted into investments for long-term savings and growth.
    Type: Grant
    Filed: May 10, 2017
    Date of Patent: November 16, 2021
    Assignee: Acorns Grow Incorporated
    Inventors: Jeffrey Cruttenden, Walter Cruttenden, Zachariah Cooper