Bank account automatic adjustment system

• US 7,509,287 B2
• Filed: 05/21/2002
• Issued: 03/24/2009
• Est. Priority Date: 05/23/2001
• Status: Expired due to Fees

• Current Assignee: Atsuo Nutahara, Masakazu Wakita
• Original Assignee: Atsuo Nutahara, Masakazu Wakita
• Inventors: Wakita, Masakazu, Nutahara, Atsuo
• Primary Examiner(s): Poinvil; Frantzy
• Application Number:
  US10/478,109
• Publication Number:
  US 20040177036A1
• Time in Patent Office: 2,499 Days
• Field of Search: 705 10- 44, 705/53
• 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. A system for automatically adjusting deposit balance which automatically transfers money between a plurality of floating deposit accounts established in one or more financial institutions for a depositor, the system for automatically adjusting deposit balance comprising:

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

means for calculating an 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 an allowable amount by subtracting the balance of another 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 of 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 a balance of a non-floating deposit account established for said depositor and/or fluctuation of a balance of debt which can be offset with an amount of insurance deposit that is the subject of a deposit insurance system.

2. The system for automatically adjusting deposit balance as described in claim 1, further comprising:

balance inquiring means for inquiring the balance of said floating deposit accounts at predetermined time and date.

3. The system for automatically adjusting deposit balance as described in claim 2, further comprising:

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.

4. The system for automatically adjusting deposit balance as described in claim 1, the system for automatically adjusting deposit balance is characterized in that said floating deposit accounts include first and second floating deposit accounts and

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

5. The system for automatically adjusting deposit balance as described in claim 4, wherein said specified balance setting means sets said first and second plus specified balance according to an insurance limit amount in the deposit insurance system.

6. The system for automatically adjusting deposit balance as described in claim 5, wherein said specified balance setting means includes:

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, a 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.

7. The system for automatically adjusting deposit balance as described in claim 5, wherein said specified balance setting means includes:

means for setting said first plus specified balance, and

means for setting said second plus specified balance by subtracting from a total sum of insurance limit amount under the deposit insurance system and the balance of debt which can be offset with an 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.

8. The system for automatically adjusting deposit balance as described in claim 4, wherein a non-floating deposit account is established in said financial institution for the depositor, and said specified balance setting means set a third plus specified balance for the non-floating deposit account.

9. The system for automatically adjusting deposit balance as described in claim 8, wherein said specified balance setting means sets the third plus specified balance as the same amount of the balance for the non-floating deposit account.

10. The system for automatically adjusting deposit balance as described in claim 9, wherein said specified balance setting means includes:

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.

11. The system for automatically adjusting deposit balance as described in claim 8, wherein said specified balance setting means sets a minus specified balance to the debt which can be offset with the insurance deposit that is the subject of the deposit insurance system.

12. The system for automatically adjusting deposit balance as described in claim 11, wherein said specified balance setting means sets the minus specified balance to the same amount of said debt.

13. the system for automatically adjusting deposit balance as described in claim 12, further comprising:

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.

14. The system for automatically adjusting deposit balance as described in claim 1, wherein said specified balance setting means sets a plus specification balance based on past payment results in said floating deposit accounts.

15. The system for automatically adjusting deposit balance as described in claim 14, wherein said specified balance setting means includes:

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

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

16. The system for automatically adjusting deposit balance as described in claim 15, wherein 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 expenses.

17. The system for automatically adjusting deposit balance as described in claim 4, wherein said automatic specific balance updating means includes:

a table in which said first and second floating deposit accounts are respectively provided with priority level, a maximum limit amount and a 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.

18. The system for automatically adjusting deposit balance as described in claim 17, wherein, 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.

19. The system for automatically adjusting deposit balance as described in claim 1, further comprising:

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 a transfer amount to be transferred by said retransfer means.

20. The system for automatically adjusting deposit balance as described in claim 19, wherein said necessary balance setting means sets the necessary balance to the same amount as said plus specified balance.

21. A computer implemented method of automatically adjusting deposit balance which automatically transfers money between a plurality of floating deposit accounts established in one or more financial institutions for a depositor, the method comprising:

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

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

step of electrically calculating an 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 electrically comparing said excess amount with said allowable amount,

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

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

22. The method of automatically adjusting deposit balance as described in claim 21, further comprising balance inquiring step of inquiring the balance for said floating deposit accounts at predetermined time and date.

23. The method of automatically adjusting deposit balance as described in claim 22, further comprising:

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.

24. The method of automatically adjusting deposit balance as described in claim 21, the method of automatically adjusting deposit balance is characterized in that said floating deposit accounts include first and second floating deposit accounts and said specified balance setting step sets a first plus specified balance for the first floating deposit account and a second plus specified balance for the second floating deposit account.

25. The method of automatically adjusting deposit balance as described in claim 24, wherein said specified balance setting step sets said first and second plus specified balance according to an insurance limit amount under the deposit insurance system.

26. The method of automatically adjusting deposit balance as described in claim 25, wherein 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 an insurance limit amount, a 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 first and second floating deposit accounts.

27. The method of automatically adjusting deposit balance as described in claim 25, wherein 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 a total sum of insurance limit amount under the deposit insurance system and the balance of debt which can be offset with an 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.

28. The method of automatically adjusting deposit balance as described in claim 24, wherein a non-floating deposit account is established in said financial institution for said depositor, and said specified balance setting step sets a third plus specified balance for said non-floating deposit account.

29. The method of automatically adjusting deposit balance as described in claim 28, wherein said specified balance setting step sets the third plus specified balance as the same amount of the balance for the non floating deposit account.

30. The method of automatically adjusting deposit balance as described in claim 29, wherein 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 a third plus specified balance.

31. The method of automatically adjusting deposit balance as described in claim 28, wherein said specified balance setting step sets a minus specified balance to the debt which can be offset with the insurance deposit that is the subject of the deposit insurance system.

32. The method of automatically adjusting deposit balance as described in claim 31, wherein said specified balance setting step sets the minus specified balance to the same amount of said debt.

33. The method of automatically adjusting deposit balance as described in claim 32, further comprising:

step of setting said first plus specified balance, and

step of setting said second plus specified balance by subtracting from a 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.

34. The method of automatically adjusting deposit balance as described in claim 21, wherein said specified balance setting step sets said plus specified balance based on past payment results in said floating deposit accounts.

35. The method of automatically adjusting deposit balance as described in claim 34, wherein 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 a maximum or next following total sum of payment amounts among said calculated payment amount.

36. The method of automatically adjusting deposit balance as described in claim 35, wherein 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 expenses.

37. The method of automatically adjusting deposit balance as described in claim 24, wherein said specified balance updating step includes:

step of selecting said first or second floating deposit account according to a priority level in a table in which said first and second floating deposit accounts are respectively provided with the priority level, a maximum limit amount and a 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.

38. The method of automatically adjusting deposit balance as described in claim 37, wherein, in said table, the first and second floating deposit account is respectively and repeatedly provided with priority level, a maximum limit amount and a minimum limit amount.

39. The method of automatically adjusting deposit balance as described in claim 21, further comprising:

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 a transfer amount to be transferred by said retransfer step.

40. The method of automatically adjusting deposit balance as described in claim 39, wherein said necessary balance setting step sets said necessary balance to the same amount as said plus specified balance.

41. A computer-usable medium having computer readable instructions stored thereon for execution by a processor to perform a method for automatically adjusting deposit balance which automatically transfers money between floating deposit accounts established in one or more financial institutions for a depositor, wherein the instructions comprise:

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

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

step of calculating an allowable amount by subtracting the balance of the one floating deposit account from the plus specified balance for another 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 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 a non-floating deposit account established for said depositor and/or fluctuation of a balance of debt which can be offset with an amount of insurance deposit that is the subject of a deposit insurance system.

42. The computer-usable medium of claim 41, wherein the instructions further comprise providing balance inquiring step of inquiring the balance for said floating deposit accounts at predetermined time and date.

43. The computer-usable medium of claim 42, wherein the instructions further comprise:

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.

44. The computer-usable medium of claim 41, wherein said floating deposit accounts include first and second floating deposit accounts and said specified balance setting step sets a first plus specified balance for the first floating deposit account and a second plus specified balance for a second floating deposit account.

45. The computer-usable medium of claim 44, wherein said specified balance setting step sets said first and second plus specified balance accordance to an insurance limit amount under the deposit insurance system.

46. The computer-usable medium of claim 45, wherein 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 an insurance limit amount, a 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.

47. The computer-usable medium of claim 45, wherein 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 a total sum of insurance limit amount in the deposit insurance system and the balance of debt which can be offset with an 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.

48. The computer-usable medium of claim 44, wherein a non-floating deposit account is established in the financial institution for said depositor and that the specified balance setting step sets a third plus specified balance for said non floating deposit account.

49. The computer-usable medium of claim 48, wherein said specified balance setting step sets the third plus specified balance as the same amount of the balance for the non floating deposit account.

50. The computer-usable medium of claim 49, wherein 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.

51. The computer-usable medium of claim 48, wherein said specified balance setting step sets a minus specified balance to the debt which can be offset with the insurance deposit that is the subject of the deposit insurance system.

52. The computer-usable medium of claim 51, wherein said specified balance setting step sets the minus specified balance to the same amount of said debt.

53. The computer-usable medium of claim 52, the instructions further comprising:

step of setting said first plus specified balance, and

step of setting said second plus specified balance by subtracting from a 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.

54. The computer-usable medium of claim 41, wherein said specified balance setting step sets said plus specified balance based on past payment results in said floating deposit accounts.

55. The computer-usable medium of claim 54, wherein 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 a maximum or next following total sum of payment amounts among said calculated payment amount.

56. The computer-usable medium of claim 55, wherein 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 expenses.

57. The computer-usable medium of claim 44, wherein said specified balance automatically updating step includes:

step of selecting said first or second floating deposit account according to a priority level in a table in which said first and second floating deposit accounts are respectively provided with the priority level, a maximum limit amount and a 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.

58. The computer-usable medium of claim 57, wherein said 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.

59. The computer-usable medium of claim 41, further including:

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 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 a transfer amount to be transferred by said retransfer step.

60. The computer-usable medium of claim 59, wherein said necessary balance setting step sets said necessary balance as the same amount as said plus specified balance.