inancial instrument usage, calculating a bonus or other reward based on the aggregate...http://www.google.com/patents/US7945514?utm_source=gb-gplus-sharePatent US7945514 - System and method for funding a collective accountAdvanced Patent SearchPublication numberUS7945514 B1Publication typeGrantApplication numberUS 12/861,003Publication dateMay 17, 2011Filing dateAug 23, 2010Priority dateJul 15, 20