Methods for promoting savings through a computer-enabled certificate program are provided. An exemplary method comprises the steps of: purchasing a certificate; issuing the certificate, wherein the certificate is transmitted to a recipient; redeeming the certificate for a monetary value; and directing...http://www.google.de/patents/US20040193491?utm_source=gb-gplus-sharePatent US20040193491 - Systems and methods for promoting savings through a computer-enabled certificate program
