JP2019200763A - Automatic fixed account after deposit - Google Patents

Abstract

To solve the problem that conventionally, at a bank, cash inside an account cannot be fixed in a case when fixing is not requested at a counter or is not requested by a telephone, but although royalty must be fixed and had under a patent development boom, the royalty becomes a target of a transfer thief, also with affection by internet banking.SOLUTION: In a system in a bank, by allowing a customer to open a cash account which is automatically fixed after deposit, even for transfer from others, the bank can protect saving in a safe and sure manner without taking care of transfer date and without booking at each time, to contribute recovery of credit of the bank. Also, cash to be brought in to a stock company may become an account that can be reliably promised.

Description

The present invention relates to an account management system in a bank or a securities company.

Conventionally, in a bank account, cash in an account such as transfer and automatic debit is always fluid. However, there is also a method to stop and fix the cash if you ask for cash in the account at the window, such as fixing after death due to loss of the cash card or death of the account owner.
Within a securities company, the account holder himself / herself is generally required to deposit money, and no other person can make the transfer. However, because there is a possibility of bank transfer damage due to the presence of Internet banking (for individuals), MRF and window savings may be fixed or restricted if requested by means such as telephone contact. .

Several years have passed since the development boom, and the number of people with a lot of cash is increasing.
However, under the influence of Internet banking, even if you use a regular savings account, there is a risk that it will be thrashed by transfer, even if you ask for fixing or locking at the counter, it will come off or when you transfer from other people If you don't know if it's rare, you may be taken down before you notice the transfer.

In addition, the loss of funds due to transfer is due to general transfer of ordinary savings. The person who made the transfer is able to withdraw the cash of the person who made the transfer.

In addition, the royalties of the Tokyo Office are solid and monopoly.
It is not something that can be shared with relatives immediately after obtaining a patent. Legal inheritance is allowed, but it is basically the property of the patent owner.
Long-term consolidation is dangerous because it increases the amount of money and makes it easier for others to aim. It is said that even if it is lost, it should be replaced.

Internet banking (for individuals) uses personal management for account management, but other ordinary savings accounts are managed by corporations.
In the unlikely event of loss, the funds must be guaranteed up to 10 million. Even if Internet banking is taken away for both personal and corporate use, there is still convenience bank Internet banking outside the bank, so it may still be wiped out.

Banks accept transfers from others, but cash is liquid. In addition, a securities company can only transfer money by itself, and cannot transfer money from others.
And the cash in the account can be regulated or fixed over the phone.
This time, the bank is sure to receive and protect funds without being affected by Internet banking when transferring money from others.

If there is a transfer deposit and cash can be automatically fixed in the account, savings can be securely secured without having to go to the counter after each transfer and ask for fixing or locking. .
Fixation is said to be in order to prevent the account from moving for 10 months of inheritance consultation, and to lock the account to protect the account when the cash card is lost.
I have also done this, but if you ask to fix your account at the counter, you can see that you can no longer use ATMs, and you are not affected by Internet banking transfers, that is, you are not affected by computer operations.
Regardless of whether the funds deposited in your account are from you or from another party, up to 10 million yen will be guaranteed if something unexpected happens, but automatically after deposit If fixed, you will usually not lose money. In short, transfer to another account can be realized with certainty.
Also, if you want to correct or cancel the transfer if it is automatically fixed after depositing, you must not go to the window to correct or cancel the transfer.
In other words, the funds of the person who was transferred cannot be saved by automatic fixing after deposit.

If it is fixed automatically after deposit, it seems that there is no money in the bank and profits cannot be expected. In this regard, there is a way to create an automatic withdrawal list and have the bank employee execute it. Also, when you withdraw funds, go to the counter.

Auto-fixing after depositing at a bank is also important in terms of ensuring that funds are securely secured at the bank and delivered to the securities company when the bank and the securities company are working together.

In a general bank, there is generally only one ordinary savings.
If it is possible to create two or more, it is said that someone else has created a counterfeit card and management is not certain.
The account is opened only by the person, and a power of attorney is required for the family to create the account. After creation, a postcard confirming the opening of the account is mailed to the person. Thus, opening an account should be cautious.
Moreover, the government is required to pay the tax for the number of accounts, and increasing the number of accounts is a burden on the bank. However, if the reason for opening an automatic fixed account after deposit is to protect the royalty of the patent, the transfer fee is reasonable and it is also for the protection of the rights granted by the country, so it will be taxed. Even so, it may be unavoidable and a reduction tax may be taken.
Having two ordinary savings accounts is a burden and a risk for the bank.
If you can manage your customers together under the title of automatic fixed account after deposit, it may be easier to manage your account.
In this way, if it is possible to gain confidence that it will not help, customers will return to the bank a lot, and the bank's funds that have been sluggish due to the recession will increase.

A large amount of development costs can be securely protected within the bank against infringement from internet banking.
The JPO's development costs (royalties) can certainly carry out a solid monopoly right.
When working with a securities company, you can be sure that you will get funds before you give it to a securities company.
Even if you do not know the transfer date and time, it will be automatically fixed, so you do not have to do the passbook entry every time.
Up until now, Internet banking has not been able to avoid infringement, but this account is not affected by computer operations.
Can restore bank credit.

In the bank, a system that automatically fixes the cash in the account after depositing is created, and it is managed as an automatic fixed account after depositing, separately from the ordinary savings account.

Claims (1)

It is a computer system in the bank, and security of automatic fixed account after deposit.