The present invention is a system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments (e.g., Social Security checks, 401(k) distributions, dividend payments, tax refunds, etc.) may choose to receive in place of the payment...http://www.google.fr/patents/US7072862?utm_source=gb-gplus-shareBrevet US7072862 - Spending vehicles for payments
