Method and system for impulse savings

Abstract

Impulse saves are made by a user of a first computing device. A first electronic message is received from the first computing device. The first electronic message comprises an amount of money not spent by a user of the computing device. A running total of the amount of money not spent is computed. A second electronic message to at least one other computing device is transmitted. The second electronic message comprises at least some of the running total. An electronic transfer of the amount the amount of the second electronic message is made from one account to another account.

What is claimed is: 
     
         1 . A computer program product comprising a computer readable medium comprising computer executable code which, when executed by a microprocessor of a computer causes the computer to:
 (a) receive a first electronic message from a first computing device, the first electronic message comprising an amount of money not spent by a user of the computing device;   (b) compute a running total of the amount of money not spent; and   (c) transmit a second electronic message to at least one other computing device, the second electronic message comprising at least some of the running total.   
     
     
         2 . The computer program product of  claim 1  wherein the computer readable medium further comprises computer executable code which, when executed by a microprocessor of a computer causes the computer to repeat (a), (b), and (c), until the running total is at least equal to a savings goal. 
     
     
         3 . The computer program product of  claim 1  wherein the computer readable medium further comprises computer executable code which, when executed by a microprocessor of a computer causes the computer to trigger an electronic transfer of the amount of the second electronic message from one account to another account. 
     
     
         4 . The computer program product of  claim 1  wherein the computer readable medium further comprises computer executable code which, when executed by a microprocessor of a computer causes the computer to trigger an electronic transfer of an amount of money equal to at least some of the running total from one account to another account.