CN101268485A - 自动存款方案 - Google Patents

自动存款方案 Download PDF

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CN101268485A
CN101268485A CNA2006800342642A CN200680034264A CN101268485A CN 101268485 A CN101268485 A CN 101268485A CN A2006800342642 A CNA2006800342642 A CN A2006800342642A CN 200680034264 A CN200680034264 A CN 200680034264A CN 101268485 A CN101268485 A CN 101268485A
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deposit
account
volume
financial transaction
people
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丹尼尔·A·卡里塔
托马斯·M·汉考克
卡伦·K·卢伊
查尔斯·R·刘
杰克·迈耶斯
谢里尔·W·斯特罗特
费思·A·塔克
卡丽·A·威廉斯
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Bank of America Corp
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    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G06Q40/03—Credit; Loans; Processing thereof

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Abstract

一种处理由第一个人执行的金融交易的计算机实现方法，包括：通过将金融交易额取整为最接近的美元来确定金融交易的自动存款额。该方法还包括：从第一个人的账户支出所计算的存款额，并将该存款额存入第二个人的账户。

Description

自动存款方案
技术领域
本发明的一种实施方式针对用户存款方案的计算机处理。更具体来说，本发明的一种实施方式针对在任意交易期间提供自动存款的用户存款方案的计算机处理。
背景技术
许多用户感觉存钱难。那些收入低于中等水平、或者抚养家庭、或者是新移民的人发现，为紧急事件、子女教育或额外购买等存钱备用特别有挑战性。甚至是确实拥有用于存钱的手段的富裕用户也常常感觉他们本可以存入更多的钱。
目前，用户可以通过向账户存款或从其它账户转移资金来将资金存入银行账户。而且，他们可以设置从其它账户定期转账来使存款功能自动化。但是，定期转账功能受到需要设置专用最小转账额以及需要按特定的时间表进行转账这样的限制。定期转账功能无法充分支持日常的灵活性或小额转账。
另外，有时候祖父母或其他亲戚或朋友想要捐钱给其他人(例如，孙子女)的储蓄账户。这些捐助者很可能想要一种自动的并且不费力的方式来使得这样的资金转移便利。
基于前述这些，需要一种自动方便存款的系统和方法。
发明内容
本发明的一种实施方式是处理由第一个人执行的账务交易的计算机实现方法。该方法包括：通过将金融交易额取整为最接近的美元来确定金融交易的自动存款额。该方法还包括：从第一个人的账户支出(debit)所计算的存款额，并将该存款额存入(credit)第二个人的账户。
附图说明
图1是依照本发明的一种实施方式的系统的综览图。
图2是由服务器依照本发明的一种实施方式执行的以便将用户登录到自动存款方案中的功能的流程图。
图3是由服务器依照本发明的一种实施方式执行的用于每日处理自动存款交易的功能的流程图。
图4是由服务器依照本发明的一种实施方式执行的用于执行自动存款交易的每日过账(posting)的功能的流程图。
图5是由服务器依照本发明的一种实施方式执行的用于结合自动存款方案实施匹配处理的功能的流程图。
具体实施方式
本发明的一种实施方式是一种计算机实现的存款方案，其中，每一笔由银行用户或其它金融机构进行的金融交易均自动生成一个存款额，该存款额被存入用户或其它人的储蓄账户中。这样，用户可以方便并且不费力地积蓄存款。
图1是依照本发明的一种实施方式的系统10的综览图。系统10包括经由网络14耦接到计算机服务器16的销售点设备(“POS”)12。
POS 12是电子收银机(cash register)，其包括用于读取产品上的条码并将该产品及价格自动写入POS 12的条码读取器9。POS 12还包括从信用卡、借记卡(debit card)或能够用于购买物件的其它任何类型金融设备读取账户信息的读卡器11。POS 12可以包括其它设备，诸如小键盘，其可以用于读取账户信息以方便交易。在一种实施方式中，POS 12位于零售店处。
网络14可以是使POS 12能够与服务器16进行通信的任意类型的网络或通信设备。网络14包括一个或多个路由器或计算机系统。在一种实施方式中，网络14包括由用于在POS 12上进行购买的信用卡或借记卡/支票卡的发行方管理的计算机系统(例如，由VISA管理的计算机系统)。
服务器16是由正在实施本发明的实施方式的银行或其它金融机构管理的计算机系统。服务器16可以是能够与网络14通信并且执行软件步骤的任意类型的计算机或其它设备。在一种实施方式中，服务器16包括处理器、存储器和通信接口。
图2是由服务器16依照本发明的一种实施方式执行的为了将用户登录到自动存款方案中的功能的流程图。在一种实施方式中，下面所公开的图2和图3至5的功能由存储在存储器中并且由处理器执行的软件来实现。在其它实施方式中，可以通过硬件或硬件和软件的任意组合来执行该功能。
100：响应于用户请求登录到自动存款方案(50)而访问账户设置与维护屏幕/界面。在一种实施方式中，由本地或远程连接到服务器16的终端处的银行职员访问屏幕/界面。在另一种实施方式中，用户可以在通过网络14远程连接到服务器16的终端处访问屏幕/界面。
102：选择自动存款额的来源的支票账户(checking account)。从用户的简档中显示符合条件的(eligible)来源账户。在其它实施方式中，只要所选择的账户是资金来源，就可以使用其它类型的账户而不用支票账户。
104：选择将被“取整”的支出/交易的类型。“取整”是指一种用于计算交易的存款额的方法。在一种实施方式中，取整额是由将整额交易应用于诸如在POS 12处信用卡/借记卡付款这样的交易额而产生的资金超出额。如果取整交易取整为最接近的美元，例如，一项54.08美元的购买交易将产生0.92美元的取整额。本发明的其它实施方式可以取整为除最近的美元之外的预定额。而且，本发明的其它实施方式可以使用除取整之外的方法来计算存款额。例如，可以将固定百分比应用于每次交易来计算存款额，或者可以将固定的货币金额(例如，1.50美元)作为存款额。
待取整的可用支出/交易类型被显示(52)并且可以只包括支票卡/借记卡POS交易或者其它类型的支出。可以成为存款额的取整或其它计算的对象的其它支出示例包括纸支票、电子付账单、电子支票、自动付账和自动化交易所(“ACH”)转账。
106：基于所显示的符合条件的接受账户选择用于存款额的一个或多个接受账户，并且可以输入％字段或金额数。在一种实施方式中，可能的接受账户包括用户自己的储蓄账户、个人对个人转账(例如，将存入孙子女储蓄账户的祖父母的取整款或者529高等院校储蓄计划)、慈善机构、投资账户等等。通常，任何能够接受转账的账户都可以是符合条件供选择的。如果选择了多个接受账户，则用户可以为每个账户选择百分比分布，或者可以使用其它机制来划分多个账户之间的存款额。
108：可以输入作为转账来源显示在接受的账户报表(statement)上的名称。可以将该名称定制为最大字符数或者可以默认为预先设定的描述。例如，账户报表可以声明“来自祖母的转账”。
110：可以向用户提供例如描述用户的选择和这些选择的合法分支(ramification)的公开内容。
本发明的实施方式还使用户能够使用在线银行特征或其它远程计算技术，在任何时间远程地修改参数或中止登录。
图3是由服务器16依照本发明的一种实施方式执行的用于每日处理自动存款交易的功能的流程图。
200：对在102中所选择的来源账户的支出(例如，POS支票卡、支票等等)进行授权。
202：处理该支出交易款，诸如使用借记卡在POS 12进行的购买交易。
204：该支出交易款被过账到来源账户。
206：每日过账交易开始。
208：确定用于每笔符合条件的支出交易的取整额(或者其它存款额)。这发生在以日为单位的基础上。
210：将所有取整额合计。这发生在以日为单位的基础上。通过将用于一次每日过账的取整款进行合计，可以防止来源账户透支。在一种实施方式中，每日过账发生在该日的结束时刻，以便进一步防止透支。
212：对来源账户中的资金是否可用进行确定。如果不是可用的，则取消经合计的取整款支出交易(214)，并且通过在来源账户描述符中的无资金说明生成0.00美元交易(216)。
图4是由服务器16依照本发明的一种实施方式执行的用于执行自动存款交易的每日过账(posting)的功能的流程图。
300：如果在212中确定资金是可用的，则将经合计的取整支出交易款过账。
302：生成存入交易款。
304：对在106中选择的(多个)接受账户是否有效进行确定。如果有效，则该存入交易款被过账(310)。
306：如果在304中(多个)接受账户无效，则存入交易款被返还给来源账户并且通过状态描述符生成0.00美元交易。无效接受账户的报告被发送到“异常&返还”文件并且终止该用户自动存款账户的登录(312、314)。
316：生成包括自动存款功能的月报表。来源账户和接受账户二者均可以在他们的报表上显示月到日和年到日的取整转账汇总表(summary)。
图5是由服务器16依照本发明的一种实施方式执行的用于结合自动存款方案实施匹配处理的功能的流程图。银行或其它组织机构可以实施匹配处理，以便鼓励更多的用户登录到自动存款方案中，或者为了银行的利益鼓励更多的用户改变他们的行为，诸如更加经常地使用他们的借记卡、较少使用支票、转向电子报表、使用支票安全保护等等。银行可以为取整款或其它存款额进行匹配固定时间段、永久时间段、或者其它类型的安排收取费用(例如，每第10笔交易，每笔交易0.05美元等等)。
400：在图4的每日过帐处理过程中，或在该过程其它点处(例如，每季度、每年等等)，取出用于自动存款方案的用户数据文件。该数据文件存储所有用于进行匹配的符合条件的交易及其它数据，诸如用户登录资料的长度，其可以用来确定该用户是否已经满足匹配激励准则。
402：确定用户是否满足匹配激励准则。如果不满足，则结束匹配处理。
404：如果在420中用户满足匹配激励准则，则对匹配资金存入交易款进行计算。然后将该匹配资金过账到接受账户中(406)。
如所公开的那样，依照本发明的实施方式的自动存款方案为用户提供简便自动的方法进行储蓄，并且能够鼓励增加储蓄。
这里专门示出和/或描述了本发明的若干实施方式。但是，应当理解，在不脱离本发明的精神和预期范围的条件下，对发明的修改和变化被上述教导所涵盖并且包含在所附权利要求的范围内。

Claims (29)

1.一种处理第一个人的第一笔金融交易的方法，包含：
基于至少所述第一笔金融交易来确定存款额；
从所述第一个人的来源账户中支出所述存款额；以及
将至少一部分所述存款额存入第二个人的第一接受账户。
2.如权利要求1所述的方法，其中，所述存入至少一部分所述存款额包含：
将第一百分比的所述存款额存入所述第一接受账户；以及
将第二百分比的所述存款额存入第二接受账户。
3.如权利要求1所述的方法，其中，所述支出所述存款额发生在按日处理的基础上，并且是基于来自多笔金融交易的合计存款额基础上的。
4.如权利要求3所述的方法，还包含：
在支出所述存款额之前确定所述来源账户中是否有足够的资金可用。
5.如权利要求1所述的方法，其中，通过将所述金融交易的值取整为最接近的预定值以计算取整额来确定所述存款额，并且该存款额等于所述取整额。
6.如权利要求1所述的方法，还包含：
将匹配额存入到所述第一接受账户。
7.如权利要求1所述的方法，还包含：
将所述第一个人的身份作为所述存款额的来源提供给所述第二个人。
8.一种自动存款的方法，包含：
为第一账户执行金融交易；
基于该金融交易计算存款额；
从所述第一账户支出该存款额；
将第一部分所述存款额存入第二账户；以及
将第二部分所述存款额存入第三账户。
9.如权利要求8所述的方法，其中，所述第一账户和所述第二账户由不同的实体拥有。
10.如权利要求8所述的方法，其中，所述支出所述存款额发生在按日处理的基础上，并且是基于来自多笔金融交易的合计存款额基础上的。
11.如权利要求8所述的方法，还包含：
在支出所述存款额之前确定所述第一账户中是否有足够的资金可用。
12.如权利要求8所述的方法，其中，通过将所述金融交易的值取整为最接近的预定值以计算取整额来确定所述存款额，并且该存款额等于所述取整额。
13.如权利要求8所述的方法，还包含：
将匹配额存入到所述第二账户。
14.如权利要求8所述的方法，还包含：
将所述第一账户的身份作为所述存款额的来源提供给所述第二账户。
15.如权利要求12所述的方法，其中，所述最接近的预定值是最接近的整美元额。
16.一种具有在其上存储有指令的计算机可读介质，当处理器执行所述指令时其使得该处理器：
基于至少第一笔金融交易额来确定存款额；
从第一个人的来源账户支出所述存款额；以及
将至少一部分所述存款额存入到第二个人的第一接受账户。
17.如权利要求16所述的计算机可读介质，其中，所述存入至少一部分所述存款额包含：
将第一百分比的所述存款额存入所述第一接受账户；以及
将第二百分比的所述存款额存入第二接受账户。
18.如权利要求16所述的计算机可读介质，其中，所述支出所述存款额发生在按日处理的基础上，并且是基于来自多笔金融交易的合计存款额基础上的。
19.如权利要求16所述的计算机可读介质，所述指令还使得所述处理器：
在支出所述存款额之前确定所述来源账户中是否有足够的资金可用。
20.如权利要求16所述的计算机可读介质，其中，通过将所述金融交易的值取整为最接近的预定值以计算取整额来确定所述存款额，并且该存款额等于所述取整额。
21.如权利要求1所述的方法，还包含：
在存入之前确定匹配方案是否仍然有效。
22.一种处理第一个人的第一笔金融交易的方法，包含：
基于至少所述第一笔金融交易来确定存款额；
从所述第一个人的来源账户支出所述存款额；
将第一部分所述存款额存入到第一接受账户；以及
将匹配额存入所述第一接受账户。
23.如权利要求22所述的方法，还包含：仅当确定所述第一笔金融交易符合匹配条件时才存入所述匹配额。
24.如权利要求22所述的方法，还包含：仅当确定没有超出预定时间段时才存入所述匹配额。
25.如权利要求22所述的方法，其中，所述匹配额近似等于所述存款额。
26.如权利要求22所述的方法，其中，所述匹配额等于预定额。
27.如权利要求22所述的方法，其中，所述第一接受账户由第二个人拥有。
28.如权利要求22所述的方法，还包含：将第二部分所述存款额存入第二接受账户。
29.如权利要求22所述的方法，其中，所述支出所述存款额发生在按日处理的基础上，并且是基于来自多笔金融交易的合计存款额基础上的。
CNA2006800342642A 2005-08-02 2006-08-02 自动存款方案 Pending CN101268485A (zh)

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