Credit transfer method for a computer network capable of transferring amounts of money to a plurality of bank accounts in order of respective priorities
First Claim
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1. A method of transferring a first pool of a predetermined amount of money to a plurality of bank accounts through a computer network, comprising the steps of:
- receiving information indicating a priority order of the bank accounts and indicating money amounts that are to be transferred to the respective bank accounts;
transferring the money amounts from said first pool to the respective bank accounts in said priority order of the bank accounts as long as sufficient money to transfer remains in said first pool; and
transferring all money remaining in said first pool to a bank account that is next to receive money transfer in said priority order of the bank accounts if all the remaining money in said first pool is not sufficient for the indicated money amount to be transferred to the bank account.
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Abstract
A credit transfer method and a credit transfer system for a computer network capable of transferring an incoming amount of money to a plurality of bank accounts based on designated amounts and priorities corresponding to the respective bank accounts. The incoming amount of money is allocated to the bank accounts in order of the designated priorities. If the sum of designated amounts that have already been allocated to corresponding bank accounts is less than the incoming amount of money, but the sum of designated amounts is more than the incoming amount if a designated amount corresponding to the bank account having the next priority is allocated, only the difference between the incoming amount of money and the sum of designated amounts is allocated to the bank account having the next priority. No money is allocated to the bank accounts having lower priorities.
193 Citations
11 Claims
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1. A method of transferring a first pool of a predetermined amount of money to a plurality of bank accounts through a computer network, comprising the steps of:
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receiving information indicating a priority order of the bank accounts and indicating money amounts that are to be transferred to the respective bank accounts;
transferring the money amounts from said first pool to the respective bank accounts in said priority order of the bank accounts as long as sufficient money to transfer remains in said first pool; and
transferring all money remaining in said first pool to a bank account that is next to receive money transfer in said priority order of the bank accounts if all the remaining money in said first pool is not sufficient for the indicated money amount to be transferred to the bank account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for a user terminal of requesting to transfer a pool of a predetermined amount of money to a plurality of bank accounts through a computer network, comprising a step of sending information indicating a priority order of the bank accounts and indicating money amounts that are to be transferred to the respective bank accounts.
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10. A computer system that transfers a pool of a predetermined amount of money to a plurality of bank accounts, comprising:
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a communication unit that connects said computer system to said computer network;
an auxiliary storage device that stores data; and
a central processing unit that receives information indicating a priority order of the bank accounts and indicating money amounts that are to be transferred to the respective bank accounts, transfers the money amounts from said pool to the respective bank accounts in said priority order of the bank accounts as long as sufficient money to transfer remains in said pool, and transfers all money remaining in said pool to a bank account that is next to receive money transfer in said priority order of the bank accounts if all the remaining money in said pool is not sufficient for the indicated money amount to be transferred to the bank account.
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11. A computer readable recording medium storing a computer program that transfers a pool of a predetermined amount of money to a plurality of bank accounts through a computer network, wherein said program causes the computer to:
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receive information indicating a priority order of the bank accounts and indicating money amounts that are to be transferred to the respective bank accounts;
transfer the money amounts from said pool to the respective bank accounts in said priority order of the bank accounts as long as sufficient money to transfer remains in said pool; and
transfer all money remaining in said pool to a bank account that is next to receive money transfer in said priority order of the bank accounts if all the remaining money in said pool is not sufficient for the indicated money amount to be transferred to the bank account.
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Specification
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Current AssigneeFujitsu Limited
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Original AssigneeFujitsu Limited
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InventorsAoike, Tsutomu
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Application NumberUS10/093,478Publication NumberTime in Patent OfficeDaysField of SearchUS Class Current705/39CPC Class CodesG06Q 20/10 specially adapted for elect...G06Q 20/108 Remote banking, e.g. home b...G06Q 30/04 Billing or invoicingG06Q 40/02 Banking, e.g. interest calc...
