Bank account automatic adjustment system

• US 20040177036A1
• Filed: 11/19/2003
• Published: 09/09/2004
• Est. Priority Date: 05/23/2001
• Status: Active Grant

• Current Assignee: Atsuo Nutahara, Masakazu Wakita
• Original Assignee: Atsuo Nutahara, Masakazu Wakita
• Inventors: Wakita, Masakazu, Nutahara, Atsuo
• Granted Patent: US 7,509,287 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

The present system for automatically adjusting deposit balance is the effective measure for pay-off which calculates the excess amount by subtracting from the balance of the account established in one financial institution, the specified balance for the account and calculates the allowable amount by subtracting from the specified balance for the account established in other financial institution, the balance of the account and compares said excess amount with said allowable amount and sets the transfer amounts as the one lesser of either said excess amount or said allowable amount. Specifically the system for automatically adjusting deposit sets in addition the plus specified balance for checking and savings accounts and time deposit account respectively when said accounts include checking account and savings account and time deposit accounts. The system for automatically adjusting deposit further sets the minus specified balance for the debt amount. Preferably the system for automatically adjusting deposit is an apparatus which enables to maintain the necessary balance and calculates the deficit amount by subtracting from the balance for the account established in one financial institution, the necessary balance for the account and calculates the surplus amount by subtracting from the necessary balance for the account established in said other financial institution, the balance for the account and compares said deficit amount with the surplus amount and sets the amount that is lesser of said deficit or surplus amounts for the transfer amount.

Claims

1. (Cancelled)

2. (Cancelled)

3. A system for automatically adjusting deposit balance which automatically transfers money between a plurality of floating deposit accounts established in one two or more financial institutions respectively for a depositor, the system for automatically adjusting deposit balance is characterized in providing;

specified balance setting means for setting plus specified balance for said floating deposit accounts,

means for calculating the excess amount by subtracting the plus specified balance for one floating deposit account from the balance of the one floating deposit account,

means for calculating the allowable amount by subtracting the balance of the other floating deposit account from the plus specified balance for the other floating deposit account,

means for comparing said excess amount with said allowable amount, transfer means for transferring one lesser amount of said excess and allowable amounts from the one floating deposit account to the other floating deposit account, and

automatic specified balance updating means for increasing or decreasing said plus specified balance in response to fluctuation of the balance of the non-floating deposit account established for said depositor and/or fluctuation of the balance of debt which can be offset with the amount of insurance deposit that is the subject of the deposit insurance system.

7. The system for automatically adjusting deposit balance as described in claim 3, characterized in that the system for automatically adjusting deposit balance further providing;

balance inquiring means for inquiring the balance of said floating deposit account at prescribed time and date.

8. The system for automatically adjusting deposit balance as described in claim 7, characterized in that the system for automatically adjusting deposit balance further providing;

means for setting foreseeable receipt amount or foreseeable payment amount, and

means for adding said set foreseeable receipt amount to the balance for said inquired floating deposit account or for subtracting said set foreseeable payment amount from the balance for said inquired floating deposit account.

10. The system for automatically adjusting deposit balance as described in claim 3, the system for automatically adjusting deposit balance is characterized in that said floating deposit accounts have the first and second deposits and

said specified balance setting means set the first plus specified balance to the first floating deposit account and set the second plus specified balance to the second floating deposit account.

11. The system for automatically adjusting deposit balance as described in claim 10, the system for automatically adjusting deposit balance is characterized in that said specified balance setting means sets said first and second plus specified balance according to the amount of the insurance limit in the deposit insurance system.

12. The system for automatically adjusting deposit balance as described in claim 11, the system for automatically adjusting deposit balance is characterized in that said specified balance setting means include;

means for setting said first plus specified balance, and

means for setting said second plus specified balance by subtracting from the insurance limit amount under the deposit insurance system or the amount with predetermined difference from the insurance limit amount, the total sum of said set first plus specified balance and the balance of insurance deposit that is the subject of insurance under the deposit insurance system excluding deposit amounts in the first and second floating deposit accounts.

13. The system for automatically adjusting deposit balance as described in claim 11, the system for automatically adjusting deposit balance is characterized in that said specified balance setting means include;

means for setting said first plus specified balance, and

means for setting said second plus specified balance by subtracting from the total sum of insurance limit amount under the deposit insurance system and the balance of debt which can be offset with the insurance deposit that is the subject of insurance under the deposit insurance system or the amount with predetermined difference from the total sum, the total sum of said inputted first plus specified balance and the balance of insurance deposit excluding deposit amounts in said first and second floating deposit account.

14. The system for automatically adjusting deposit balance as described in claim 10, the system for automatically adjusting deposit balance is characterized in that further a non-floating deposit account is established in said financial institution for the depositor, and said specified balance setting means set the third plus specified balance for the non-floating deposit account.

15. The system for automatically adjusting deposit balance as described in claim 14, the system for automatically adjusting deposit balance is characterized in that said specified balance setting means sets the third plus specified balance as the same amount of the balance for the non-floating deposit account.

16. The system for automatically adjusting deposit balance as described in claim 15, the system for automatically adjusting deposit balance is characterized in that said specified balance setting means include;

means for setting said first plus specified balance, and

means for setting said second plus specified balance by subtracting from the insurance limit amount under the deposit insurance system or the amount with predetermined difference from the insurance limit amount, the total sum of said set first plus specified balance and the third plus specified balance.

17. The system for automatically adjusting deposit balance as described in claim 14, the system for automatically adjusting deposit balance is characterized in that said specified balance setting means sets the minus specified balance to the debt which can be offset with the insurance deposit that is the subject of the deposit insurance system.

18. The system for automatically adjusting deposit balance as described in claim 17, the system for automatically adjusting deposit balance is characterized in that said specified balance setting means sets the minus specified balance to the same amount of said debt.

19. the system for automatically adjusting deposit balance as described in claim 18, the system for automatically adjusting deposit balance is characterized in providing;

means for setting said first plus specified balance, and

means for setting said second plus specified balance by subtracting from the total sum of insurance limit amount under the deposit insurance system and said minus specified balance, or the amount with predetermined difference from that total sum amount, the total sum of said set first plus specified balance and said set third plus specified balance.

20. The system for automatically adjusting deposit balance as described in claim 3, the system for automatically adjusting deposit balance is characterized in that said specified balance setting means sets said plus specification balance based on past payment results in said floating deposit account.

21. The system for automatically adjusting deposit balance as described in claim 20, the system for automatically adjusting deposit balance is characterized in that said specified balance setting means include;

summing means for calculating daily total amounts of payment based on said payment result, and

means for setting said plus specified balance based on the maximum or the next following total sum of payment amounts among said calculated payment amount.

22. The system for automatically adjusting deposit balance as described in claim 21, in which the system for automatically adjusting deposit balance is characterized in that said specified balance setting means further includes means for excluding temporary expenses out of said payment result, and that said summing means calculates said total payment amounts based on the payment result to be excluded said temporary expense.

23. The system for automatically adjusting deposit balance as described in claim 10, the system for automatically adjusting deposit balance is characterized in that said automatic specific balance updating means include;

a table in which said first and second floating deposit account is respectively provided with priority level, the maximum limit amount and the minimum limit amount,

means for selecting said first or second floating deposit account according to the priority level in the table,

means for comparing said first or second plus specified balance for said selected floating deposit account with said maximum limit amount provided for said selected floating deposit account,

means for increasing said first or second plus specified balance for said selected floating deposit account, when said first or second plus specified balance for said selected floating deposit account is less than the maximum limit amount provided for said selected floating deposit account,

means for comparing the first or second plus specified balance for said selected floating deposit account with the minimum limit amount provided for said selected floating deposit account, and

means for decreasing the first or second plus specified balance for said selected floating deposit account when said first or second plus specified balance for said selected floating deposit account is more than the minimum limit amount provided for said selected floating deposit account.

24. The system for automatically adjusting deposit balance as described in claim 23, the system for automatically adjusting deposit balance is characterized in that, in said table, the first and second floating deposit account is respectively and repeatedly provided with priority level, the maximum limit amount and the minimum limit amount.

27. The system for automatically adjusting deposit balance as described in claim 3, the system for automatically adjusting deposit balance is characterized in further providing;

necessary balance setting means for setting necessary balance for said floating deposit accounts,

means for comparing the balance of the one floating deposit account with the necessary balance for the one floating deposit account,

retransfer means for transferring money back to the one floating deposit account from the other floating deposit account when the balance of the one floating deposit account is less than the necessary balance for the one floating deposit account,

means for calculating a deficit amount by subtracting the necessary balance for the one floating deposit account from the balance of the one floating deposit account,

means for calculating a surplus amount by subtracting the necessary balance for the other floating deposit account from the balance of the other floating deposit account,

means for comparing said deficit amount with said surplus amount, and

means for setting the amount that is lesser of said deficit and surplus amounts for the transfer amount to be transferred by said retransfer means.

30. The system for automatically adjusting deposit balance as described in claim 27, the system for automatically adjusting deposit balance is characterized in that said necessary balance setting means sets the necessary balance to the same amount as said plus specified balance.

4. (Cancelled)

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46. A method of automatically adjusting deposit balance which automatically transfers money between a plurality of floating deposit accounts established in two one or more financial institutions for a depositor, the method of automatically adjusting deposit balance is characterized in providing;

specified balance setting step of setting plus specified balance for said floating deposit accounts,

step of calculating the excess amount by subtracting the plus specified balance for one floating deposit account from the balance of the one floating deposit account,

step of calculating the allowable amount by subtracting the balance of the other floating deposit account from the plus specified balance for the other floating deposit account,

step of comparing said excess amount with said allowable amount,

transfer step of transferring one of lesser amount of said excess and allowable amounts from the floating deposit account in said financial institution to the floating deposit account established in other financial institution, and

automatic specified balance updating step of increasing or decreasing said plus specified balance in response to fluctuation of the balance of the non-floating deposit account established and/or fluctuation of the balance of debt which can be offset with the amount of insurance deposit that is the subject of the insurance deposit system.

53. The method of automatically adjusting deposit balance as described in claim 46, the method of automatically adjusting deposit balance is characterized in that said floating deposit accounts include the first and second floating deposit account and that the specified balance setting step sets the first plus specified balance for the first floating deposit account and the second plus specified balance for the second floating deposit account.

54. The method of automatically adjusting deposit balance as described in claim 53, the method of automatically adjusting deposit balance is characterized in that said specified balance setting step sets said first and second plus specified balance according to the amount of the insurance limit amount under the deposit insurance system.

55. The method of automatically adjusting deposit balance as described in claim 54, the method of automatically adjusting deposit balance is characterized in that said specified balance setting step includes;

step of setting said first plus specified balance, and

step of setting said second plus specified balance by subtracting from the insurance limit amount under the deposit insurance system or the amount with predetermined difference from the insurance limit, the total sum of said set first plus specified balance and the balance of insurance deposit that is the subject of insurance under the deposit insurance system excluding deposit amounts in the first and second floating deposit accounts.

56. The method of automatically adjusting deposit balance as described in claim 54, the method of automatically adjusting deposit balance is characterized in that said specified balance setting step includes;

step of setting said first plus specified balance, and

step of setting said second plus specified balance by subtracting from the total sum of insurance limit amount under the deposit insurance system and the balance of debt which can be offset with the insurance deposit that is the subject of insurance under the deposit insurance system or the amount with predetermined difference from the total sum, the total sum of said inputted first plus specified balance and the balance of insurance deposit excluding deposit amounts in said first and second floating deposit account.

57. The method of automatically adjusting deposit balance as described in claim 53, the method of automatically adjusting deposit balance is characterized in that further a non-floating deposit account is established in said financial institution for said depositor, and said specified balance setting step sets the third plus specified balance for said non-floating deposit account.

58. The method of automatically adjusting deposit balance as described in claim 57, the method of automatically adjusting deposit balance is characterized in that said specified balance setting step sets the third plus specified balance as the same amount of the balance for the non floating deposit account.

59. The method of automatically adjusting deposit balance as described in claim 58, the method of automatically adjusting deposit balance is characterized in that said specified balance setting step includes;

step of setting said first plus specified balance, and

step of setting said second plus specified balance by subtracting from the insurance limit amount under the deposit insurance system or the amount with predetermined difference from insurance limit amount, the total sum of said set first plus specified balance and the third plus specified balance.

60. The method of automatically adjusting deposit balance as described in claim 57, the method of automatically adjusting deposit balance is characterized in that said specified balance setting step sets the minus specified balance to the debt which can be offset with the insurance deposit that is the subject of the deposit insurance system.

61. The method of automatically adjusting deposit balance as described in claim 60, the method of automatically adjusting deposit balance is characterized in that said specified balance setting step sets the minus specified balance to the same amount of said debt.

62. The method of automatically adjusting deposit balance as described in claim 61, the method of automatically adjusting deposit balance is characterized in providing;

step of setting said first plus specified balance, and

step of setting said second plus specified balance by subtracting from the total sum of insurance limit amount under the deposit insurance system and said minus specified balance, or the amount with predetermined difference from that total sum amount, the total sum of said set first plus specified balance and the third plus specified balance.

63. The method of automatically adjusting deposit balance as described in claim 46, the method of automatically adjusting deposit balance is characterized in that said specified balance setting step sets said plus specified balance based on past payment results in said floating deposit account.

64. The method of automatically adjusting deposit balance as described in claim 63, the method of automatically adjusting deposit balance is characterized in that said specified balance setting step includes;

summing step of calculating daily total amounts of payment based on said payment result, and

step of setting said plus specified balance based on the maximum or the next following total sum of payment amounts among said calculated payment amount.

65. The method of automatically adjusting deposit balance as described in claim 64, the method of automatically adjusting deposit balance is characterized in that said specified balance setting step further includes step of excluding temporary expenses out of said payment result, and that said summing step calculates said total payment amount based on the payment result to be excluded said temporary expense.

66. The method of automatically adjusting deposit balance as described in claim 53, the method of automatically adjusting deposit balance is characterized in that said specified balance updating step includes;

step of selecting said first or second plus specified balance according to the priority level in the table in which said first and second floating deposit account is respectively provided with priority level, the maximum limit amount and the minimum limit amount,

step of comparing said first or second plus specified balance for floating deposit account with said maximum limit amount provided for said selected floating deposit account,

step of increasing said first or second plus specified balance for said selected floating deposit account, when said first or second plus specified balance for said selected floating deposit account is less than the maximum limit amount provided for said selected floating deposit,

step of comparing the first or second plus specified balance for said selected floating deposit account with the minimum limit amount provided for said selected floating deposit account, and

step of decreasing the first or second plus specified balance for said selected floating deposit account when said first or second plus specified balance for said selected floating deposit account is more than the minimum limit amount provided for said selected floating deposit account.

67. The method of automatically adjusting deposit balance as described in claim 66, the method of automatically adjusting deposit balance is characterized in that in said table the first and second floating deposit account is respectively and repeatedly provided with priority level, the maximum limit amount and the minimum limit amount.

70. The method of automatically adjusting deposit balance as described in claim 46, the method of automatically adjusting deposit balance is characterized in further providing;

necessary balance setting step of setting necessary balance for said floating deposit accounts,

step of comparing the balance of the one floating deposit account with the necessary balance for the one floating deposit account,

retransfer step of transferring money back to the one floating deposit account from the other floating deposit account when the balance of the one floating deposit account is less than the necessary balance for the one floating deposit account,

step of calculating a deficit amount by subtracting the necessary balance for the one floating deposit account from the balance of the one floating deposit account,

step of calculating a surplus amount by subtracting the necessary balance for the other floating deposit account from the balance of the other floating deposit account,

step of comparing said deficit amount with said surplus amount, and

step of setting the amount that is lesser of said deficit and surplus amounts for the transfer amount to be transferred by said retransfer step.

73. The method of automatically adjusting deposit balance as described in claim 70, the method of automatically adjusting deposit balance is characterized in that said necessary balance setting step sets said necessary balance to the same amount as said plus specified balance.

47. (Cancelled)

48. (Cancelled)

49. (Cancelled)

50. The method of automatically adjusting deposit balance as described in claimed 46, in which the method of automatically adjusting deposit balance is characterized in further providing balance inquiring step of inquiring the balance for said floating deposit account at predetermined time and date.

51. The method of automatically adjusting deposit balance as described in claim 50, the method of automatically adjusting deposit balance is characterized in further providing;

step of setting foreseeable receipt amount or foreseeable payment amount, and

step of adding said set foreseeable receipt amount to the balance of said inquired floating deposit account or for subtracting said set foreseeable payment amount from the balance of said inquired floating deposit account.

52. (Cancelled)

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89. A program product for automatically adjusting deposit balance which automatically transfers money between floating deposit accounts established in one or more financial institutions for a depositor, the program product for automatically adjusting deposit balance is characterized in providing;

specified balance setting step of setting plus specified balance for said floating deposit accounts,

step of calculating the excess amount by subtracting the plus specified balance for one floating deposit account from the balance of the other floating deposit account,

step of calculating the allowable amount by subtracting the balance of the other floating deposit account from the plus specified balance for the other floating deposit account,

step of comparing said excess amount with said allowable amount,

transfer step of transferring one of the lesser amount of said excess and allowable amounts from the one floating deposit account to the other floating deposit account, and

automatic specified balance updating step of increasing or decreasing said plus specified balance in response to fluctuation of the balance of the non-floating deposit account established and/or fluctuation of the balance of debt which can be offset with the amount of insurance deposit that is the subject of the insurance deposit system.

93. The program product for automatically adjusting deposit balance as described in claim 89, in which the program product for automatically adjusting deposit balance is characterized in further providing balance inquiring step of inquiring the balance for said floating deposit account at predetermined time and date.

94. The program product for automatically adjusting deposit balance as described in claim 93, the system for automatically adjusting deposit balance is characterized in further providing;

step of setting foreseeable receipt amount or foreseeable payment amount, and

step of adding said set foreseeable receipt amount to the balance of said inquired floating deposit account or of subtracting said set foreseeable payment amount from the balance of said inquired floating deposit account.

96. The program product for automatically adjusting deposit balance as described in claim 89, the program product for automatically adjusting deposit balance is characterized in that said floating deposit accounts include the first and second floating deposit account and that the specified balance setting step sets the first plus specified balance for the first floating deposit account and the second plus specified balance for the second floating deposit account.

97. The program product for automatically adjusting deposit balance as described in claim 96, the program product for automatically adjusting deposit balance is characterized in that said specified balance setting step sets said first and second plus specified balance accordance with the amount of the insurance limit under the deposit insurance system.

98. The program product for automatically adjusting deposit balance as described in claim 97, the program product for automatically adjusting deposit balance is characterized in that said specified balance setting step includes;

step of setting said first plus specified balance, and

step of setting said second plus specified balance by subtracting from the insurance limit amount under the deposit insurance system or the amount with predetermined difference from the insurance limit amount, the total sum of said set first plus specified balance and the balance of insurance deposit that is the subject of insurance under the deposit insurance system excluding deposit amounts in the first and second floating deposit accounts.

99. The program product for automatically adjusting deposit balance as described in claim 97, the program product for automatically adjusting deposit balance is characterized in that said specified balance setting step includes;

step of setting said first plus specified balance, and

step of setting said second plus specified balance by subtracting from the total sum of insurance limit amount in the deposit insurance system and the balance of debt which can be offset with the insurance deposit that is the subject of insurance under the deposit insurance system or the amount with predetermined difference from the total sum, the total sum of said inputted first plus specified amount and the balance of insurance deposit excluding deposit amounts in said first and second floating deposit account.

100. The program product for automatically adjusting deposit balance as described in claim 96, the program product for automatically adjusting deposit balance is characterized in that further a non-floating deposit account is established in the financial institution for said depositor and that the specified balance setting step sets the third plus specified balance for said non floating deposit account.

101. The program product for automatically adjusting deposit balance as described in claim 100, the program product for automatically adjusting deposit balance is characterized in that said specified balance setting step sets the third plus specified balance as the same amount of the balance for the non floating deposit account.

102. The program product for automatically adjusting deposit balance as described in claim 101, the program product for automatically adjusting deposit balance is characterized in that said specified balance setting step includes;

step of setting said first plus specified balance, and

step of setting said second plus specified balance by subtracting from the insurance limit amount under the deposit insurance system or the amount with predetermined difference from insurance limit amount, the total sum of said set first plus specified balance and the third plus specified balance.

103. The program product for automatically adjusting deposit balance as described in claim 100, the program product for automatically adjusting deposit balance is characterized in that said specified balance setting step sets the minus specified balance to the debt which can be offset with the insurance deposit that is the subject of the deposit insurance system.

104. The program product for automatically adjusting deposit balance as described in claim 103, the program product for automatically adjusting deposit balance is characterized in that said specified balance setting step sets the minus specified balance to the same amount of said debt.

105. The program product for automatically adjusting deposit balance as described in claim 104, the program product for automatically adjusting deposit balance is characterized in providing;

step of setting said first plus specified balance, and

step of setting said second plus specified balance by subtracting from the total sum of insurance limit amount under the deposit insurance system and said minus specified balance, or the amount with predetermined difference from that total sum amount, the total sum of said set first plus specified balance and the third plus specified balance.

106. The program product for automatically adjusting deposit balance as described in claim 89, the program product for automatically adjusting deposit balance is characterized in that said specified balance setting step sets said plus specified balance based on past payment results in said floating deposit account.

107. The program product for automatically adjusting deposit balance as described in claim 106, the program product for automatically adjusting deposit balance is characterized in that said specified balance setting step includes;

summing step of calculating daily total amounts of payment based on said payment result, and

step of setting said plus specified balance based on the maximum or the next following total sum of payment amounts among said calculated payment amount.

108. The program product for automatically adjusting deposit balance as described in claim 107 the program product for automatically adjusting deposit balance is characterized in that said specified balance setting step further includes;

step of excluding temporary expenses out of said payment result, and that said summing step calculates said total payment amount based on the payment result to be excluded said temporary expense.

109. The program product for automatically adjusting deposit balance as described in claim 96, the program product for automatically adjusting deposit balance is characterized in that said specified balance automatically updating step includes;

step of selecting said first or second plus specified balance according to the priority level in the table in which said first and second floating deposit account is respectively provided with priority level, the maximum limit amount and the minimum limit amount,

step of comparing said first or second plus specified balance for floating deposit account with said maximum limit amount provided for said selected floating deposit account,

step of increasing said first or second plus specified balance for said selected floating deposit account, when said first or second plus specified balance for said selected floating deposit account is less than the maximum limit amount provided for said selected floating deposit,

step of comparing the first or second plus specified balance for said selected floating deposit account with the minimum limit amount provided for said selected floating deposit account, and

step of decreasing the first or second plus specified balance for said selected floating deposit account when said first or second plus specified balance for said selected floating deposit account is more than the minimum limit amount provided for said selected floating deposit account.

110. The program product for automatically adjusting deposit balance as described in claim 109, the program product for automatically adjusting deposit balance is characterized in that said the first and second floating deposit account is respectively repeatedly provided with said priority level, the maximum limit amount and the minimum limit amount in said table.

113. The program product for automatically adjusting deposit balance as described in claim 89, the program product for automatically adjusting deposit balance is characterized in further providing;

necessary balance setting step of setting necessary balance for said floating deposit accounts,

step of comparing the balance of the one floating deposit account with the necessary balance for the one floating deposit account,

retransfer step of transferring money back to the one floating deposit account from the other floating deposit account when the balance of the one floating deposit account is less than the necessary balance for the one floating deposit account,

step of calculating a deficit amount by subtracting the necessary balance for the one floating deposit account from the balance of the one floating deposit account,,

step of calculating a surplus amount by subtracting the necessary balance for the other floating deposit balance from the balance of the other floating deposit account,,

step of comparing said deficit amount with said surplus amount, and

step of setting the amount that is lesser of said deficit and surplus amounts for the transfer amount to be transferred by said retransfer step.

116. The program product for automatically adjusting deposit balance as described in claim 113, the program product for automatically adjusting deposit balance is characterized in that said necessary balance setting step sets said necessary balance as the same amount as said plus specified balance.

90. (Cancelled)

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