al financial instrument usage, calculating a bonus or other reward based on the aggregate...http://www.google.com/patents/US20030028483?utm_source=gb-gplus-sharePatent US20030028483 - System and method for funding a collective accountAdvanced Patent SearchPublication numberUS20030028483 A1Publication typeApplicationApplication numberUS 10/193,923Publication dateFeb 6, 2003Filing dateJul 15, 2002Pr