Simplified checkbook balancing computer system

• US 5,337,263 A
• Filed: 06/15/1993
• Issued: 08/09/1994
• Est. Priority Date: 06/15/1993
• Status: Expired due to Term

• Current Assignee: John J. Patermaster
• Original Assignee: John J. Patermaster
• Inventors: Patermaster, John J.
• Primary Examiner(s): Mai, Tan V.
• Application Number:
  US08/076,835
• Time in Patent Office: 420 Days
• Field of Search: 364/705.02, 364/401, 364/406, 235/380
• US Class Current: 708/106
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/4093 Monitoring of device authentication
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A checkbook balancing system in which the user does not have to enter each checking transaction into the system but only transactions which bring the checkbook in line with the bank statement and vice versa. The display of the system is divided into two halves. One half is for adjustments to the bank balance and contains information appearing in the checkbook but not on the bank statement. The other half is for adjustments to the checkbook and contains items appearing in the bank statement but not in the checkbook. Further, the halves can be divided into quarters or quadrants. Quadrant (A) contains checks which were written but not paid by the bank. Quadrant (B) contains deposits and other adjustments appearing in the checkbook but not in the bank statement. Quadrant (C) contains bank charges and adjustments appearing on the bank statement but not in the checkbook. Quadrant (D) contains bank credits and adjustments appearing on the bank statement but not in the checkbook. Accordingly, a user of the checkbook balancing system need not enter every transaction of the checking account but only transactions which are used to account for differences between the bank statement and checkbook.

Claims

1. A computer for inputting, calculating and displaying information used to reconcile a checkbook with a bank statement, comprising:

a bus;

a keyboard, connected to the bus;

a display, connected to the bus, having four quadrants;

first means for inputting into the display, a balance on the bank statement;

second means for inputting onto the display, a balance on the checkbook;

means for inputting onto a first quadrant of the display unpaid checks;

means for inputting onto a second quadrant of the display, outstanding deposits;

means for inputting onto a third quadrant of the display, bank charges not appearing in the checkbook;

means for inputting onto a fourth quadrant of the display, bank credits not appearing in the checkbook;

a first calculation means, connected to the bus, for calculating an actual bank balance by subtracting from the balance on the bank statement, the unpaid checks, and adding thereto, the outstanding deposits; and

second calculation means, connected to the bus, for calculating an actual checkbook balance by subtracting from the balance in the checkbook input, the bank charges and adding thereto, the bank credits;

wherein said first means for inputting onto the display, said second means for inputting onto the display, said means for inputting onto a first quadrant, said means for inputting onto a second quadrant, said means for inputting onto a third quadrant, and said means for inputting onto a fourth quadrant input only unpaid checks, outstanding deposits, bank charges not appearing in the checkbook, bank credits not appearing in the checkbook, a balance on the bank statement and a balance on the checkbook and are exclusive means for inputting transactions and dollar amounts which appear in said checkbook and said bank statement.

2. A computer according to claim 1, wherein said computer is a handheld computer.

3. A computer according to claim 1, wherein the second means for inputting a balance of the checkbook on the display inputs a balance in the checkbook which is an entry in the checkbook before a next check after a last check which was paid on the bank statement.

4. A computer for inputting, calculating and displaying information used to reconcile a checkbook with a bank statement, comprising:

a bus;

a keyboard, connected to the bus;

a display connected to the bus;

input means, connected to the bus, for inputting only unpaid checks, outstanding deposits, bank charges not appearing in the checkbook, bank credits not appearing in the checkbook, a balance on the bank statement and a balance on the checkbook;

a display connected to the bus;

a first calculation means, connected to the bus, for calculating an actual bank balance by subtracting from the balance on the bank statement, the unpaid checks, and adding thereto, the outstanding deposits;

second calculation means, connected to the bus, for calculating an actual checkbook balance by subtracting from the balance in the checkbook input, the bank charges and adding thereto, the bank credits.

5. A computer according to claim 4, wherein said computer is a handheld computer.

6. A computer for inputting, calculating and displaying information used to reconcile a checkbook with a bank statement, comprising:

a bus;

a keyboard, connected to the bus;

a display connected to the bus;

input means, connected to the bus, for inputting only unpaid checks, outstanding deposits, bank charges not appearing in the checkbook, bank credits not appearing in the checkbook, a balance on the bank statement and a balance on the checkbook;

a display connected to the bus;

means for generating, on the display, an image which contains two halves, a first of said halves for displaying information in the checkbook which does not appear on the bank statement, and a second of said halves for displaying information appearing on the bank statement but not in the checkbook;

wherein the means for generating further generates an image containing unpaid checks in the first half, an image containing the outstanding deposits the first half, an image containing the bank charges in the second half, and an image containing the bank credits in the second half;

a first calculation means, connected to the bus, for calculating an actual bank balance by subtracting from the balance on the bank statement, the unpaid checks, and adding thereto, the outstanding deposits;

second calculation means, connected to the bus, for calculating an actual checkbook balance by subtracting from the balance in the checkbook input, the bank charges and adding thereto, the bank credits.

7. A computer according to claim 6, wherein the display contains four quadrants, the first and second quadrants are in the first half and the third and fourth quadrants are in the second half;

and

said means for generating generates an image in the first quadrant containing the checks input by the first input means, an image containing the deposits input by the second input means in the second quadrant, an image containing the bank charges input by the third input means in the third quadrant, and an image containing the bank credits input by the fourth input means in the fourth quadrant.

8. A computer according to claim 7, wherein said computer is a handheld computer.

9. A computer according to claim 6, wherein said computer is a handheld computer.