Deposits and savings display apparatus
First Claim
1. A deposit/saving display apparatus for managing and displaying deposit/saving information, comprising:
- setting means for setting sub-accounts into which the current amount of money deposited in an account is divided;
current amount indicating means for indicating current amounts of the respective sub-accounts set by the setting means;
amount indicating means for indicating an amount of money which can be transferred into or from one or more of the sub-accounts, if there is such money;
transfer means for transferring the amount of money indicated by the amount indicating means into or from one or more of the sub-accounts; and
update means for updating the current amount of the one or more sub-accounts in accordance with the amounts transferred into or from the one or more sub-accounts by the transfer means.
1 Assignment
0 Petitions
Accused Products
Abstract
A user can easily manage an asset in accordance with planned use. A user sets virtual bags (sub-accounts) for virtually putting money therein such that the status of an ordinary deposit of the user is reflected in the amount of money put in the bags. Each virtual bag may be assigned a purpose such as “club activity expenses” or “for studying abroad” and a target amount. On a terminal device, money is displayed in the form of one or more icons. If an icon is dragged and dropped onto a virtual bag, an amount of money indicated by the dragged and dropped icon is moved into the virtual bag. The concepts of virtual bags can be extended to virtual moneyboxes. A parent moneybox and specific-purpose moneyboxes are prepared, and an ordinary deposit, a time deposit, a foreign-currency ordinary deposit, a foreign-currency time deposit, and/or investment trust are managed using the parent moneybox and the specific-purpose moneyboxes such that money put into or withdrawn from an account of a user is put into or withdrawn from the parent moneybox, while saving money for specific purposes is performed using the specific-purpose moneyboxes.
88 Citations
58 Claims
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1. A deposit/saving display apparatus for managing and displaying deposit/saving information, comprising:
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setting means for setting sub-accounts into which the current amount of money deposited in an account is divided;
current amount indicating means for indicating current amounts of the respective sub-accounts set by the setting means;
amount indicating means for indicating an amount of money which can be transferred into or from one or more of the sub-accounts, if there is such money;
transfer means for transferring the amount of money indicated by the amount indicating means into or from one or more of the sub-accounts; and
update means for updating the current amount of the one or more sub-accounts in accordance with the amounts transferred into or from the one or more sub-accounts by the transfer means. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A deposit/saving display apparatus for managing and displaying deposit/saving information, comprising:
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sub-account setting means for setting virtual sub-accounts in one account;
current amount acquisition means for acquiring the current amount of money deposited in the one account;
assigning means for assigning the current amount acquired by the current amount acquisition means to one or more sub-accounts set by the sub-account setting means;
determination means for, when money has been put into or withdrawn from the one account, determining one or more sub-accounts to which the amount of said money is to be assigned; and
update means for updating the current amount of the one or more sub-accounts determined by the determination means.
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11. A deposit/saving display method for managing and displaying deposit/saving information, comprising:
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a first step of setting sub-accounts into which the current amount of money deposited in an account is divided;
a second step of displaying current amounts of the respective sub-accounts set in the first step; and
steps performed when there is money which can be put into or withdrawn from one or more sub-accounts, said steps including;
a third step of indicating the amount of money which can be put into or withdrawn from one or more of the sub-accounts;
a fourth step of transferring the amount of money indicated in the third step into or from one or more of the sub-accounts; and
a fifth step of updating the current amount of the one or more sub-accounts in accordance with the amounts transferred in the third step into or from the one ore more sub-accounts.
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12. A deposit/saving display program for causing a computer to have functions for managing and displaying deposit/saving information, said functions comprising:
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a setting function of setting sub-accounts into which the current amount of money deposited in an account is divided;
a current amount indicating function of indicating current amounts of the respective sub-accounts set by the setting function;
an amount indicating function of indicating an amount of money which can be transferred into or from one or more of the sub-accounts, if there is such money;
a transfer function of transferring the amount of money indicated by the amount indicating function into or from one or more of the sub-accounts; and
an update function of updating the current amount of the one or more sub-accounts in accordance with the amounts transferred into or from the one or more sub-accounts by the transfer function.
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13. A computer-readable storage medium including a deposit/saving display program stored therein for causing a computer to have functions for managing and displaying deposit/saving information, said functions comprising:
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a setting function of setting sub-accounts into which the current amount of money deposited in an account is divided;
a current amount indicating function of indicating current amounts of the respective sub-accounts set by the setting function;
an amount indicating function of indicating an amount of money which can be transferred into or from one or more of the sub-accounts, if there is such money;
a transfer function of transferring the amount of money indicated by the amount indicating function into or from one or more of the sub-accounts; and
an update function of updating the current amount of the one or more sub-accounts in accordance with the amounts transferred into or from the one or more sub-accounts by the transfer function.
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14. A deposit/saving information providing server for providing deposit/saving information to a client terminal, comprising:
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sub-account setting means for setting virtual sub-accounts in one account;
current amount acquisition means for acquiring the current amount of money deposited in the one account;
assigning means for assigning the current amount acquired by the current amount acquisition means to one or more sub-accounts set by the sub-account setting means;
display data providing means for providing, to the client terminal, display data to be used by the client terminal to display current amounts assigned by the assigning means to respective virtual sub-accounts;
identification information acquisition means for, when money has been put into or withdrawn from the one account, providing, to the client terminal, amount-of-money information indicating the amount of money which has been put into or withdrawn from the one account and acquiring, from the client terminal, identification information indicating one or more sub-accounts to which the amount of money indicated by the amount-of-money information is to be assigned; and
update means for updating the current amount assigned by the assigning means to the one or more sub-accounts in accordance with the identification information acquired by the identification information acquisition means.
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15. A deposit/saving information providing method for providing deposit/saving information to a client terminal, comprising:
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a first step of setting virtual sub-accounts in one account;
a second step of acquiring the current amount of money deposited in the one account;
a third step of assigning the current amount acquired in the second step to one or more sub-accounts set in the first step;
a fourth step of providing, to the client terminal, display data to be used by the client terminal to display current amounts assigned in the third steps to respective virtual sub-accounts;
a fifth step of, when money has been put into or withdrawn from the one account, providing, to the client terminal, amount-of-money information indicating the amount of money which has been put into or withdrawn from the one account and acquiring, from the client terminal, identification information indicating one or more sub-accounts to which the amount of money indicated by the amount-of-money information is to be assigned; and
a sixth step of updating the current amount assigned in the third step to the one or more sub-accounts in accordance with the identification information acquired in the fifth step.
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16. A deposit/saving information providing program for causing a computer to have functions for providing deposit/saving information to a client terminal, said functions comprising:
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a sub-account setting function of setting virtual sub-accounts in one account;
a current amount acquisition function of acquiring the current amount of money deposited in the one account;
an assigning function of assigning the current amount acquired by the current amount acquisition function to one or more sub-accounts set by the sub-account setting function;
a display data providing function of providing, to the client terminal, display data to be used by the client terminal to display current amounts assigned by the assigning function to respective virtual sub-accounts;
an identification information acquisition function of, when money has been put into or withdrawn from the one account, providing, to the client terminal, amount-of-money information indicating the amount of money which has been put into or withdrawn from the one account and acquiring, from the client terminal, identification information indicating one or more sub-accounts to which the amount of money indicated by the amount-of-money information is to be assigned; and
an update function of updating the current amount assigned by the assigning function to the one or more sub-accounts in accordance with the identification information acquired by the identification information acquisition function.
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17. A computer-readable storage medium including a deposit/saving information providing program stored therein for causing a computer to have functions for providing deposit/saving information to a client terminal, said functions comprising:
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a sub-account setting function of setting virtual sub-accounts in one account;
a current amount acquisition function of acquiring the current amount of money deposited in the one account;
an assigning function of assigning the current amount acquired by the current amount acquisition function to one or more sub-accounts set by the sub-account setting function;
a display data providing function of providing, to the client terminal, display data to be used by the client terminal to display current amounts assigned by the assigning function to respective virtual sub-accounts;
an identification information acquisition function of, when money has been put into or withdrawn from the one account, providing, to the client terminal, amount-of-money information indicating the amount of money which has been put into or withdrawn from the one account and acquiring, from the client terminal, identification information indicating one or more sub-accounts to which the amount of money indicated by the amount-of-money information is to be assigned; and
an update function of updating the current amount assigned by the assigning function to the one or more sub-accounts in accordance with the identification information acquired by the identification information acquisition function.
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18. A computer-readable storage medium including a deposit/saving information display program stored therein for causing a computer to have functions for displaying deposit/saving information on a client terminal, said functions comprising:
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a current amount acquisition function of acquiring the current amount of money deposited in one account from a server;
a current amount division function of dividing the current amount of money deposited in the one account acquired by the current amount acquisition function into virtual sub-accounts;
an assigning function of, if money has been put into or withdrawn from the one account, assigning the amount of money put into or withdrawn from the one account to one or more of the sub-accounts; and
a current amount update function of updating the current amounts of the virtual sub-accounts into which the money has been divided by the current amount division function, in accordance with the amounts of money assigned by the assigning function.
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19. A computer-readable storage medium including a deposit/saving information display program stored therein for causing a computer to perform a process of displaying deposit/saving information on a client terminal, said program comprising:
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a current amount acquisition function of acquiring the current amount of money deposited in one account from a server;
a current amount division function of dividing the current amount of money deposited in the one account acquired by the current amount acquisition function into virtual sub-accounts;
an assigning function of, if money has been put into or withdrawn from the one account, assigning the amount of money put into or withdrawn from the one account to one or more of the sub-accounts; and
a current amount update function of updating the current amounts of the virtual sub-accounts into which the money has been divided by the current amount division function, in accordance with the amounts of money assigned by the assigning function;
a display function of displaying the respective sub-accounts into which the money in the one account has been divided by the current amount division function.
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20. An asset management apparatus comprising:
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supplementary account creation means for creating a supplementary account related to an amount of an asset of a customer;
credit/debit means for crediting or debiting the created supplementary account; and
display means for displaying the amount of money stored in the supplementary account;
wherein the total amount of money stored in the supplementary account is equal to or less than the amount of the asset of the customer. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35)
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36. An asset management method for a computer including supplementary account creation means and credit/debit means to manage an asset, comprising the steps of:
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creating a supplementary account related to the amount of an asset of a customer, using the supplementary account creation means;
crediting or debiting the supplementary account such that the total amount stored in the supplementary account is equal to or less than the amount of the asset of the customer; and
displaying the amount stored in the supplementary account, using the display means.
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37. An asset management program for causing a computer to have functions including:
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a function of creating an supplementary account related to an amount of an asset of a customer;
a function of crediting or debiting the supplementary account such that the total amount stored in the supplementary account is equal to or less than the amount of the asset of the customer; and
a function of displaying the amount stored in the supplementary account.
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38. A computer-readable storage medium having an asset management program stored therein for causing a computer to have functions including:
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a function of creating an supplementary account related to an amount of an asset of a customer;
a function of crediting or debiting the supplementary account such that the total amount stored in the supplementary account is equal to or less than the amount of the asset of the customer; and
a function of displaying the amount stored in the supplementary account.
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39. An asset management server comprising:
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information acquisition means for acquiring information necessary to create a supplementary account from a client terminal;
supplementary account creation means for creating the supplementary account related to the amount of an asset of a customer in accordance with the acquired information;
crediting/debiting means for crediting or debiting the supplementary account such that the total amount stored in the supplementary account is equal to or less than the amount of the asset of the customer; and
providing means for providing information indicating the amount stored in the supplementary account to the client terminal.
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40. An asset management method for a server including information acquisition means, supplementary account creation means, crediting/debiting means, and providing means to manage an asset, said method comprising the steps of:
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acquiring information necessary to create a supplementary account from a client terminal, using the information acquisition means;
creating the supplementary account related to the amount of an asset of a customer in accordance with the acquired information, using the supplementary account creation means;
crediting or debiting the supplementary account using the crediting/debiting means such that the total amount stored in the supplementary account is equal to or less than the amount of the asset of the customer; and
providing information indicating the amount stored in the supplementary account to the client terminal, using the providing means.
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41. An asset management program for causing a computer to have functions including:
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a function of acquiring information necessary to create a supplementary account from a client terminal;
a function of creating the supplementary account related to the amount of an asset of a customer in accordance with the acquired information;
a function of crediting or debiting the supplementary account such that the total amount stored in the supplementary account is equal to or less than the amount of the asset of the customer; and
a function of providing information indicating the amount stored in the supplementary account to the client terminal.
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42. A computer-readable storage medium having an asset management program stored therein for causing a computer to have functions including:
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a function of acquiring information necessary to create a supplementary account from a client terminal;
a function of creating the supplementary account related to the amount of an asset of a customer in accordance with the acquired information;
a function of crediting or debiting the supplementary account such that the total amount stored in the supplementary account is equal to or less than the amount of the asset of the customer; and
a function of providing information indicating the amount stored in the supplementary account to the client terminal.
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43. A depositing/saving server comprising:
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means for setting an account in accordance with a request issued by a client terminal online-connected to the depositing/saving server;
means for allowing a user of the client terminal to input a purpose of said account; and
means for providing on-line customer information to a service provider capable of providing a service relating to the purpose of the account input by the user. - View Dependent Claims (44, 45)
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46. An online depositing/saving system comprising a depositing/saving server and an intermediary server connected to each other on-line, wherein
the depositing/saving server includes means for setting an account in accordance with a request issued by an online-connected client terminal, and the intermediary server includes: -
means for mediating transmission of information between the client terminal and the depositing/saving server;
means for allowing a user of the client terminal to input a purpose of the account set by the depositing/saving server; and
means for providing on-line customer information to a service provider capable of providing a service relating to the purpose of the account input by the user. - View Dependent Claims (47, 48)
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49. A method for, in a system including a client terminal, a depositing/saving server, and a service provider server, which are connected to each other on-line, providing deposit/saving information, said method including the steps of:
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in the depositing/saving server, setting an account in accordance with a request issued by a client terminal;
getting a user of the client terminal to input a purpose of said account; and
in the depositing/saving server, determining a service provider capable-of providing a service relating to the purpose of the account input by the user of the client terminal and providing on-line customer information to said service provider. - View Dependent Claims (51)
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50. A method for, in a system including a client terminal, a depositing/saving server, an intermediary server and a service provider server, which are connected to each other on-line, providing deposit/saving information, said method including the steps of:
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in the depositing/saving server, receiving a request issued by the client terminal via the intermediary server and setting an account in accordance with the request;
getting a user of the client terminal to input a purpose of said account; and
in the intermediary server, determining a service provider capable of providing a service relating to the purpose of the account input by the user of the client terminal and providing on-line customer information to said service provider.
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52. A program for causing a computer to have functions including:
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a function of setting an account in accordance with a request issued by an online-connected client terminal;
a function which allows a user of the client terminal to input a purpose of said account; and
a function of providing on-line customer information to a service provider capable of providing a service relating to the purpose of the account input by the user.
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53. A program for causing a computer to have functions including:
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a function of setting an account in accordance with a request issued by an online-connected client terminal;
a function which allows a user of the client terminal to input a purpose of said account;
a function of providing on-line customer information to a service provider capable of providing a service relating to the purpose of the account input by the user; and
a function of providing on-line information relating to the purpose of the account to the client terminal, said information being provided by the service provider in accordance with the customer information.
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54. A program for causing a computer to have functions for operating an intermediary server online-connected to a depositing/saving server having a capability of setting an account in accordance with a request issued by an online-connected client terminal, said functions comprising:
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a function of mediating transmission of information between the client terminal and the depositing/saving server;
a function of allowing a user of the client terminal to input a purpose of the account set by the depositing/saving server; and
a function of providing on-line customer information to a service provider capable of providing a service relating to the purpose of the account input by the user.
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55. A program for causing a computer to have functions for operating an intermediary server online-connected to a depositing/saving server having a capability of setting an account in accordance with a request issued by an online-connected client terminal, said functions comprising:
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a function of mediating transmission of information between the client terminal and the depositing/saving server;
a function of allowing a user of the client terminal to input a purpose of the account set by the depositing/saving server;
a function of providing on-line customer information to a service provider capable of providing a service relating to the purpose of the account input by the user; and
a function of providing on-line information relating to the purpose of the account to the client terminal, said information being provided by the service provider in accordance with the customer information.
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56. A computer-readable storage medium having a program stored therein for causing a computer to have functions including:
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a function of setting an account in accordance with a request issued by an online-connected client terminal;
a function which allows a user of the client terminal to input a purpose of said account; and
a function of providing on-line customer information to a service provider capable of providing a service relating to the purpose of the account input by the user.
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57. A computer-readable storage medium having a program stored therein for causing a computer to have functions including:
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a function of setting an account in accordance with a request issued by an online-connected client terminal;
a function which allows a user of the client terminal to input a purpose of said account;
a function of providing on-line customer information to a service provider capable of providing a service relating to the purpose of the account input by the user; and
a function of providing on-line information relating to the purpose of the account to the client terminal, said information being provided by the service provider in accordance with the customer information.
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58. A computer-readable storage medium having a program stored therein for causing a computer to have functions for operating an intermediary server online-connected to a depositing/saving server having a capability of setting an account in accordance with a request issued by an online-connected client terminal, said functions comprising:
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a function of mediating transmission of information between the client terminal and the depositing/saving server;
a function of allowing a user of the client terminal to input a purpose of the account set by the depositing/saving server; and
a function of providing on-line customer information to a service provider capable of providing a service relating to the purpose of the account input by the user.
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Specification