CN101320462A - Funds management method and system - Google Patents
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- CN101320462A CN101320462A CNA2008101002193A CN200810100219A CN101320462A CN 101320462 A CN101320462 A CN 101320462A CN A2008101002193 A CNA2008101002193 A CN A2008101002193A CN 200810100219 A CN200810100219 A CN 200810100219A CN 101320462 A CN101320462 A CN 101320462A
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Abstract
A method for management of funds between linked accounts is disclosed, the linked account comprises a plurality of loan accounts or a plurality of deposit accounts. The method comprises the following steps of: accepting the deposited funds in one of the loan accounts or the deposit accounts; and moving the deposited funds to offset debts in the plurality of loan accounts in order to minimize interest required to pay, transferring the deposited funds up to a first predetermined limit into a first load account, and transferring any excess funds up to a second predetermined limit into a second load account, the first and the second load accounts are determined in light of one or a plurality of predetermined fund dispense criterions.
Description
Technical field
The present invention relates generally to a kind of computerized system that is used for fund (fund) management, and be specifically related to a kind of permission managed fund between the accounts of finance of one or more account holders link under one's name.
Background technology
Use among the account that on behalf of they customer account managements, the present invention is suitable in the computerized system of being safeguarded by bank or other financial institutions, safeguard, and combination this exemplary, unrestriced should to be used for describing the present invention will be easily.
Traditionally, bank is maintained in wherein the system that can safeguard one or more accounts for independent client or account holder.In order to manage each account holder's financial affairs, may need various types of accounts, as hypothecated account, overdraft account, current account (current account) and savings account (savingsaccount).Safeguard that mortgage and overdraft account make the account holder to borrow fund from bank, and savings account and current account make the account holder fund can be deposited in the bank and earn interest on these funds.Interest rate is associated with each account, and real risk-free rate determines to borrow from bank the amount of money of the extra money that the client of fund must repay, and perhaps interest rate is corresponding to the amount of money of the extra money of fund having been deposited in the bank that the client earned.
Attempted helping the account holder to manage their various accounts in mode favourable on the finance.For example, some computer systems have been introduced payment mortgage function recently, wherein be placed on the capital (capital) in the hypothecated account that the fund payment in the savings account is associated, and the interest that causes owing to hypothecated account of the interest of on savings account, earning payment.The interest that goes up earning at deposit account (deposit account) is identical on ratio with the interest that causes owing to hypothecated account usually.This payment mortgage function minimizes the account holder and is necessary for the interest spending that hypothecated account is repaid, and simplifies two accounts' of this account holder management.
Yet many account holders safeguard polytype account in financial institution.These accounts comprise real estate (property) loan account, personal loan account, credit card account, overdraft account, hypothecated account, check account, savings account and time deposit.Different interest rates can be associated with each of these accounts, make and exceedingly difficultly and time consuming concerning the account holder to be: where the fund of determining them should be placed on, and must repay the money that the fund of giving financial institution and/or maximization can be earned by the account holder so that minimize.Have such demand now: provide that a kind of the system of managed fund is to each account holder between one or more account holders' various linked accounts, this system maximizes financial income and/or minimizes finance inconvenience.Also there is such demand: provide the method for the fund between a kind of managing concatenated account, its improvement or overcome one or more weak points of existing fund management system.
Summary of the invention
For this purpose, one aspect of the present invention provide a kind of between linked accounts the method for managed fund, described linked accounts comprises a plurality of loan accounts and a plurality of deposit account.Said method comprising the steps of: receive funds on deposit in deposit or loan account; And mobile funds on deposit is offseted loaning bill in a plurality of loan accounts to minimize the interest of payment, funds on deposit up to first predetermined limits is moved in first loan account, and be moved in second loan account up to any superfluous fund of second predetermined limits, described first and second loan accounts are determined according to one or more predetermined fund allocation standards.
In one or more embodiment of the present invention, one of first and second predetermined limits or both are (outstanding loan) amount of money of not providing a loan clearly.Perhaps, one of first and second predetermined limits or both can be the maximum unloading upper limit (sweeping cap).
Described predetermined fund allocation standard comprises the whether indication of debt of loan account.Described method is further comprising the steps of: when two or more loan account debts, determine the order that described two or more loan accounts will be settled accounts according to predetermined loan settlement standard.
Described predetermined fund allocation standard can comprise the loan account interest rate, and first loan account has the interest rate higher than second loan account.
Described method can also may further comprise the steps: offset one or more unclear loan accounts in case funds on deposit has been moved, just superfluous fund is moved into the interest of coming the optimization earning in a plurality of deposit accounts, described superfluous fund moves in one or more deposit accounts according to the fund allocation standard.
Described fund allocation standard can comprise the deposit account interest rate, and described superfluous fund is moved in the deposit account with maximum rate of interest.
Described predetermined fund allocation standard can be provided with by the account holder, for example, and when two accounts have identical interest rate.
Another aspect of the present invention provide a kind of between linked accounts the method for managed fund, described linked accounts comprises a plurality of loan accounts or a plurality of deposit account.Said method comprising the steps of: receive funds on deposit in one of deposit or loan account; And mobile funds on deposit comes the interest of optimization earning in a plurality of deposit accounts, and described funds on deposit moves in the deposit accounts according to one or more predetermined fund allocation standards.
Described fund allocation standard can comprise the deposit account interest rate, and described funds on deposit is moved in the deposit account with maximum rate of interest.
Described method can also may further comprise the steps: receive the request about extraction fund from one of account of link; The available balance that merges the fund among the all-links account; And if the available balance of the fund among the all-links account then should be asked posting (post) above the principal amount of request extraction.
After the request of extracting had been posted, described method can also comprise to be offseted fund that loan account borrows money and turns back to it and ask step among the account of described extraction before moving.
Perhaps, after described request was posted, described method also comprises the fund among the maximum rate of interest account of before moving to returned to it asked step among the account of described extraction.
Described linked accounts can comprise more than second deposit account that links under more than first borrowed money accounts and following more than first deposit account that links of master profile (profile) and the sub-profile.In this case, described method can also may further comprise the steps: the funds on deposit in the mover profile deposit account is to offset the loaning bill in a plurality of master profile loan accounts, to minimize the interest of payment.
Described method is further comprising the steps of: receive about extraction fund request from one of sub-profile deposit account; The available balance that merges the fund in the sub-profile deposit account; And, then should ask posting as the principal amount that the available balance of the fund in the fruit profile deposit account is extracted above request.
Described method is further comprising the steps of: receive the request about extraction fund from one of master profile account; The available funds that merges the fund among the master profile account; And if the available balance of the fund among all master profile accounts then should be asked posting above the principal amount of request extraction.
Described master profile can relate to two different account holders or two identical account holders with sub-profile.
Described method can also may further comprise the steps: the deposit account payment bonus interest (bonusinterest) of giving link.
Another aspect of the present invention provides a kind of system that is used for managed fund between linked accounts.Described fund management system comprises account management engine and transaction processing system, and described account management engine comprises a series of instructions, is used to make transaction processing system to carry out foregoing method.
Described account management engine can comprise a plurality of financial module, and each financial module is optionally operated linked accounts is carried out the finance operation.Described financial operation can comprise any one of payment, ordinary interest payment and bonus interest payment of shared extraction, the bonus interest of available balance merging, interest optimization, fund.
Another aspect of the present invention provides a kind of being used for being used for the computer software that the system of managed fund uses between linked accounts.Described fund management system comprises account management engine and transaction processing system, and described computer software forms the part of account management engine at least, and comprises a series of instructions, is used to make transaction processing system to carry out foregoing method.
Description of drawings
Accompanying drawing by with reference to diagram exemplary form of the present invention will describe in further detail the present invention.The characteristic that it being understood that each accompanying drawing does not replace the general character of the present invention in preceding description.
In the accompanying drawings:
Fig. 1 is the synoptic diagram of an embodiment of fund management system;
Fig. 2 is the synoptic diagram that the account management engine of the fund management system of Fig. 1 forms part;
Fig. 3 and Fig. 4 are the synoptic diagram by the profile structure linked accounts of the fund management system management of Fig. 1;
Fig. 5 is the synoptic diagram that shows the selected properties of the example profiles linked accounts of being managed by the fund management system of Fig. 1;
Fig. 6 shows that the fund that the exemplary fund between that fund management system by Fig. 1 causes, the linked accounts moves moves figure;
Figure 10, Figure 11 and Figure 16 are the process flow diagram that the various financial module of the account management engine of displayed map 2 form the operation of part to Figure 20; And
Figure 21 is the synoptic diagram of the operating environment that realizes of the various computing machine of the fund management system of Fig. 1 to Figure 23.
Embodiment
Referring now to Fig. 1, generally shown the computerize fund management system 10 that is used for managed fund between client or account holder's linked accounts.Client or account holder can be actual people or corporate entities, as company.In the figure, illustrate exemplary account 12 to 18.Each of these accounts interlinks, and all accounts hold under one's name one or more clients 20.The one or more of account 12 to 18 can be client's liability accounts, borrow or lend money account (security margin lending account), credit card account, hypothecated account or overdraft account as real estate loan account, loan for purchasing car account, personal loan account, security guaranty money.Each that represent these types account that the client is in debt is referred to herein as " loan account ".The one or more of account 12 to 18 can represent customer capital, as check account, current account, savings account, deposit account, structurized deposit and securities account.Each of these customer capitals account is referred to herein as " deposit account ".
In fund management system 10, deposit in the transaction processing system 21 and and extract from it.Checking, the fund that transaction processing system 21 is responsible for the principal amount held in each of accounts 12 to 18 deposit among the account 12 to 18 or fund from its extract and each of account 12 to 18 the moving of fund.Transaction processing system 21 comprises credit transaction processing logic 22 and loan transaction processing logic 23.The transaction that realizes by loan transaction processing logic 23 comprise to loan account carry out loan repayment, from the supplementing with money of loan account (top-up), to the interest payment of loan account, to loan account unloading (sweep) balance of deposits as floating remaining sum and extract the remaining sum of floating from loan account.The transaction that realizes by credit transaction processing logic 22 comprises check clearing, carries out existing (standing instruction) instruction and account's account transfer (account transfer).
Transaction processing system 21 is operated under the control of account management engine 24, illustrates in greater detail in Fig. 2.
Account management engine 24 comprises a series of financial module 26-44, and it optionally can operate the account 12 to 18 to link to carry out various finance operations.Capital management unit 46 causes the selective activation of each financial unit 26 to 44 according to fund allocation standard 48 and user profiles 50.User profiles 50 is safeguarded a series of profile attributes 52 to 56 for each of one or more clients 20 with linked accounts.Account management engine 24 also comprises interest table 58, its record from each account 12 to 18 the extraction fund or fund deposited among each account 12 to 18 before the interest that maybe will earn that will pay.
First financial module 26 merges the available balance of fund among the all-links account 12 to 18.Second financial module 28 provides shares the extraction that abstraction function comes managed fund, amounts to the available balance up to the merging of being determined from linked accounts 12 to 18 by module 26.The funds on deposit that is placed in the link deposit account is moved in interest optimal module 30 action, with the interest of optimizing earning or minimize interest by account holder payment.Realize this function in two ways: first kind of mode is by 42 controls of " award " module, and the balance of deposits moves between deposit account in this " award " module 42; And the second way is by " unloading " module 44 control, and the balance of deposits moves between deposit and loan account in this " unloading " module 44.
The such mode of another module 32 controls, that is, the normal interest of earning in the deposit account that links in this mode is linked to counteracting the unpaid balance of the loan account of those deposit accounts.Other or bonus interest that bonus interest module 36 is determined to earn on normal interest is as the bonus (reward) to a large amount of deposit accounts with link.Bonus interest cancellation module 40 is determined such modes, that is, the bonus interest of earning in this mode is used to offset the loan account of link.The unloading amount of money returns module 34 and determines such conditions, that is, the fund that has been used to offset loan account under this condition turns back to the original deposit account of placing of this fund.
The structure that user profiles 50 definition are explained now with reference to Fig. 3 to 5.As shown in Figure 3, can safeguard master profile 60 and one or more sub-profile (referring to 62 to 66 here) for one or more clients 68 with linked accounts 70 to 84.Master profile can relate to different account holders with sub-profile, perhaps alternately, can relate to identical holder.In this example arrangement, master profile 60 linked accounts 70 to 76.The one or more of these accounts can be deposit accounts, and the one or more of these accounts can be loan accounts.Sub-profile 62 and 64 defines single deposit account 78 and 80 respectively.Sub-profile two deposit accounts 82 of 66 links and 84.In one or more embodiments, each of sub-profile 62 to 66 can relate to one or more clients that separate of the client who belongs to master profile 60.For example, sub-profile 62 to 66 can be safeguarded with major customer 68 kinsfolk's name, for this major customer 68 safeguards master profile 60.
The account of link comprises more than first loan account and more than first deposit account that links and more than second deposit account that links under sub-profile under master profile.In this structure, the funds on deposit in the sub-profile deposit account is moved the loaning bill that offsets in a plurality of master profile loan accounts to minimize the interest of payment.When receiving when extracting the request of fund from one of sub-profile deposit account; The available balance that merges the fund in the sub-profile deposit account; And, then should ask posting as the principal amount that the available balance of fund in the fruit profile deposit account is extracted above request.Similarly, when receiving when extracting the request of fund from one of master profile account; The available balance that merges fund among each master profile account; And if the available balance of fund surpasses the principal amount that request is extracted among the master profile account, then should ask disappointed.
This profile structure fund that makes can be divided under each profile or sub-profile.By this way, the fund of having distributed to the account group of listing under a profile or sub-profile can be used to for example offset the loaning bill in another profile, with from the fund of other profiles or sub-profile does not mix but can turn in the original profile.
For one or more customer cares with linked accounts a large amount of different profiles.As shown in Figure 4, one or more clients can have 4 accounts 88 to 94 that safeguard in a financial institution.First master profile 96 can be safeguarded for the main account holder.Sub-profile 98 can be safeguarded for main account holder's kinsfolk, related to two deposit accounts 100 and 102.In this example, account 88 and 90 is loan accounts and account 92 and 94 is deposit accounts.In this example, account balance in master profile 96 and the sub-profile 98 definition deposit accounts 100 and 102 be moved or " unloading " in the loan account 88 and 90 of master profile, be benefited in the interest that makes the main account holder from kinsfolk's deposit account 100 and 102, to save, with the interest that must pay in the payment loan account 88 and 90.Therefore, this shows that master profile 96 and sub-profile 98 cause capital management unit 46 in the management of linked accounts 88 to 94 and 100 to 102, optionally play the part of available balance and merge module 26, share extraction module 28 and interest optimal module 30.In this selection, " unloading " module 44 is by 30 operations of interest optimal module.
Yet, also can safeguard other master profile 104 for same major customer.In this example, master profile 104 is linked to deposit account 110 and 112 with loan account 106 and 108.This master profile 104 can cause the capital management unit optionally to operate bonus interest module 36, makes status (positional) interest payment in deposit account 110 and 112, as the bonus to the account of these links.
Can be other loan account 116 and 118 and deposit account 120 and the other master profile 114 of 122 definition.Interlink in this example for major customer's kinsfolk has set up sub-profile 124, and with two deposit accounts 126 and 128 and be linked to account 116 to 122.Master profile 114 and sub-profile 124 cause capital management unit 46 optionally to activate available balance and merge module 26, shared extraction module 28 and interest optimal module 30, make the deposit that deposits deposit account 126 and 128 in be used to offset the fund of being owed in loan account 116 and 118.
By unloading sequential attribute 162,164 that is associated with sub-profile 140 to 144 respectively and 166 definition unloadings orders 52, promptly from the fund of deposit account 154 to 160 by " unloading " order in the loan account 146 to 148.In this example, these unloading sequential attribute definition: the available funds in the deposit account 160 at first is transferred in the loan account 146 to 148, then is the avail that exists in deposit account 154 and 156, is fund available in the deposit account 158 at last.Can be at the undefined amount of money that can dump to the money in the loan account of any master profile by 54 restrictions of unloading upper limit limit attribute.In the example depicted in fig. 5, maximum unloading upper limit attribute 168 is arranged on this amount of money 70% (Huo $1M) of loan account 146.
Will be appreciated that, can define various other profile attributes in other embodiments of fund management system 10, described various other profile attributes are defined in management in each account of linking in master profile and/or each the correlator profile or the mode of mobile fund between each account.Explain the operation of various financial function modules 26 to 44 now with reference to Fig. 6 to 20.Fig. 6 shows the example master profile 172 of link hypothecated account 174 and 176, personal loan account 178, overdraft account 180 and deposit account 182 and 184.Sub-profile 186 interlinks deposit account 188 and 190, and is linked to account 174 to 184.As shown in Figure 6, each account to have be 0% to being the interest rate that changes between 8% for deposit account for personal loan account 178.
Fig. 7 to 9 is shown in master profile 172 and sub-profile 186 and causes available balance to merge under the situation of selectivity operation of module 26 and interest optimal module 30 fund moving between various accounts 174 to 190.At first, the available balance of the fund in the deposit account 182 and 184 in the available balance merging module 26 merging master profiles 172.Deposit account 182 Ju You $5,000 unused balance, and deposit account 184 Ju You $70,000 unused balance obtains Zong Gong $75,000 merging overall balance.Although under the situation shown in Fig. 6 to 9, do not illustrate, if but any loan account is in debt, then the merging available balance of deposit account will at first be used to supply (match) those debts, and any superfluous fund (excess fund) will be used to offset remaining loan account then.
Yet in this example, fund dumps to the loan account (being personal loan account 178) with maximum rate of interest from deposit account 182 and 184.Therefore, from deposit account 182 De $5,000 at first dumps to personal loan account 178 in step 194, then in step 196 from deposit account 184 De $5,000 dumps to personal loan account 178.Now, personal loan account's outstanding remaining sum is 0, other De $50, and 000 dumps to the loan account (overdraft account 180 that promptly has interest rate 7%) with next high interest account from deposit account 184 then.This step label in Fig. 8 is 198.De $15 in the deposit account 184,000 residue unused balance is transferred in the loan account (being hypothecated account 176) with next maximum rate of interest then.
As visible from Fig. 9, the Sheng Yu $15 in step 200 deposit account 182,000 unused balance (outstanding balance) is transferred in the hypothecated account 172.Therefore, in those accounts 174 to 184 of 172 times links of master profile, require to minimize by interest optimal module 30 by the interest of major customer's 192 payments.In this example,, also can be transferred in the loan account 174 to 180, so that further minimize interest by major customer's 192 payments although deposit account 188 and 190 can be the kinsfolk relevant with major customer 192 under one's name.In this example, De $50 in the deposit account of the minimum interest of burden under sub-profile 186 (being deposit account 190), 000 unused balance at first is transferred in the hypothecated account 176 in step 202.In step 204, available part fund is used to offset the remaining outstanding remaining sum (outstandingbalance) in the hypothecated account 176 then in the deposit account 188.In step 206, remaining fund is used to offset remaining hypothecated account 174 then in the deposit account 188.
Can be seen from the foregoing, initial funds on deposit is received one of deposit or loan account.Funds on deposit is moved the loaning bill that offsets in the loan account then to minimize the interest of paying in a plurality of loan accounts.Funds on deposit up to first predetermined limits is moved in first loan account, and is moved in second loan account up to any superfluous fund of second predetermined limits.This first and second loan account is determined according to predetermined fund allocation standard.This predetermined limits can be the unclear amount of the loan, the maximum payment upper limit or other limits that is fit to.Should predetermined fund allocation standard can comprise whether loan account is in the indication of debt, loan account interest rate (first loan account has the interest rate that is higher than second loan account) or other standards that is fit to.
Offset one or more unclear loan accounts in case funds on deposit has been moved, then remaining fund can be moved into the interest that a plurality of deposit accounts are optimized earning.Remaining fund can be moved into one or more deposit accounts according to the fund allocation standard then.
When making when extracting the request of fund, after this request was by posting, fund was moved the loaning bill that offsets in the loan account to minimize the interest of payment.Funds on deposit up to first predetermined limits is moved in first loan account, and is moved in second loan account up to any superfluous fund of second predetermined limits.This first and second loan account is determined according to predetermined fund allocation standard.
The process of describing about Fig. 6 to 9 usually illustrates in Figure 10.This figure shows example loan account 208 and 210 and deposit account 212 to 216. Loan account 208 and 210 each and deposit account 212 to 216 link under common master profile.In step 218, the available balance in the deposit account 212 to 216 is merged.
In step 220, carry out remaining sum and compensate for (coverage).In this operation, account management engine 24 uses the remaining sum that merges to compensate for any unauthorized balance due in the deposit account to avoid being collected any debit's interest (debit interest), perhaps compensates for any debt remaining sum of link loan account.Once more, this is used to minimize the interest expense that will pay or " bad (the bad) " state of being in arrears with of providing a loan the client.
In step 222, whether debt is made definite about in loan account 208 or 210 any one.If then the available fund from the merging available balance of deposit account 212 to 216 is used to repay the loan of being in arrears with.
If exist two or more loan accounts to be in debt, then account management engine 24 determines to want the order of loan for the settlement of accounts account debt.This order can by the loan settlement standard (as debt by stages, the loan outstanding amount of money, debt remaining sum, fund allocation right of priority and loan interest rate) determine.This loan settlement standard can be selected by the user.
In step 224, carry out about whether there being determining of superfluous merging fund.If then these superfluous funds are used to the unclear loan account of payment.If in case produced the loan debt and used loan payment, still determine to exist superfluous fund, then be moved to the deposit account of payment maximum rate of interest in these superfluous funds of step 230 in step 228.
Figure 11 diagram is when when account 208 extracts fund to 216, the general process when making same financial function module under the control of the user profiles of being discussed, by the capital management unit operations.What this shows is, when request after one of linked accounts extraction fund, fund moves into deposit account to optimize the interest of earning.Remaining fund is moved into one of deposit account according to predetermined fund allocation standard.
The available funds that is used for extracting can comprise the interest amount that deposit account deposits in and saved from the mortgage loan capital that reduces.This is by following example explanation.Because deposit payment loan principal is so saved every month loan interest.The interest of saving will become except the deposit that deposits this account in the available limit of the extraction of master profile.
In the example depicted in fig. 11, in step 232 request extraction fund from example deposit account 228.In step 234, carry out about the amount of money of request whether greater than determining from the merging available balance of deposit account 212 to 216.If the extraction amount of money of request is greater than merging available balance, then in this transaction of step 236 refusal.Otherwise, in step 236, from amounting to the extraction amount of money of available balance and current account remaining sum deduction (deduct) request.
Most of times, deposit account current period remaining sum (current balance) will be 0, because all be transferred to loan account.When extracting, the current period remaining sum will become negative (balance due).When the account is in balance due, credit transaction disposal system 22 will be collected debit's interest.To collect in order minimizing/, will carry out remaining sum in step 238 and compensate for, will to attempt to compensate for balance due, make and not collected debit's interest from combined account remaining sum discovery fund by the interest of client's payment.Compensate in order to carry out remaining sum, will at first use remaining merging remaining sum in this system of step 240, if any.If this existence, then it will be used to compensate for balance due (promptly to balance due account amount of credit side), and in step 242 from merging the identical amount of money of remaining sum deduction.
After using up all merging remaining sums, if still have debt/balance due in step 244, then the available safe level (PSL) that presets with utilization of a loan in step 246 system increases loan outstanding remaining sum.PSL is the difference between original loan balance scheduling (schedule) and the scheduling of actual loan balance, i.e. the acceleration loan balance reduction (reduction) that causes owing to unloading.
After the remaining sum setoff is finished, if still have balance due/loan debt in step 248, then system will collect under debit's interest or the situation in loan account in the running that does as usual under the situation of deposit account and collect after a while.Unloading is before offseted fund that loan account borrows money and is returned to it and asks among the account of this extraction, if this account has been used for the merging of available balance.
Figure 12 illustrates the example that the master profile 252 of advice of settlement savings account (statement savings account) 258 is sent out by link hypothecated account 254, overdraft account 256 and bank.Advice of settlement savings account 262 is sent out to sub-profile 260 by bank and current account 264 interlinks, and be linked to account 254 to 258.This figure illustrates the shared extraction module 28 of account management engine 24 and the operation that available balance merges module 26.
Other example is provided in Figure 13, from extracting $2 by one of deposit account of sub-profile 260 links, after 000, the request of making then Ti Qu $21 from overdraft account 256,000.As can be seen from Fig. 13, after carrying out this extraction, send out the available balance Cong $25 of advice of settlement savings account 258,000 Jian Shaodao $4,000 from overdraft account 256 and bank.In other words, in Figure 12 and 13, spread all over the total available balance that all accounts by master profile 252 or 260 links of sub-profile can use for the available balance representative of any one indication of account.
Shown other example in Figure 14, wherein at Ti Qu $21 from overdraft account 265, after 000, other De $1,500 are extracted in request from master profile 252.As seen in this case, send out available balance Jian Shaodao $2 among the both sides of advice of settlement savings account 258,500 extracting back overdraft account 256 and bank.
Figure 15 diagram is by the example of the unloading upper limit 54 of account management engine 24 maintenances.In this illustrated example, for major customer 278 sets up master profile 270 and relevant sub-profile 272 to 276.Master profile 270 link deposit and loan accounts 280 to 286, sub-profile 272 link deposit accounts 288 and 290 are linked to deposit account 292 and 294 the residue account in the master profile respectively.In the figure, the deposit account in the master profile 270 282 to 286 is a deposit account.These accounts' current period remaining sum is as directed to be $0.5M.Sub-profile 272,274 and 276 account form current period remaining sum Fen Biewei $0.7M, $0.4M and the $0.3M in the part.
When carrying out unloading, promptly come at various linked accounts 280 between 294 during mobile fund when interest optimal module 30 action, in step 304, at first dump in the clear loan account 280 in the identical master profile from the fund of the deposit account 282 to 286 in the master profile 270.Can dump in the loan account 280 so that thereby the payment loan balance minimizes the amount of money of the loan interest that will pay, by the maximum unloading upper limit 54 settings of safeguarding by account management engine 24.
The maximum unloading upper limit is labeled as 296, and the be set to of being set to $1.0M.In case offseted interest to the loan payment in the loan account 280 from the whole current period Yu E $0.5M of deposit account 282 to 286 by unloading, then interest optimal module 30 is checked the unloading sequence indicia 298,300 and 302 that is associated with sub-profile 272 to 276 respectively subsequently.In this case, in step 306, from the deposit account 294 that is associated with sub-profile 276 can with fund at first be transferred in the master profile 270.In case,, then be transferred to this master profile from the available funds of the deposit account 292 under the sub-profile 274 then in step 308 from deposit account 294 Zhuan Cun $0.3M.Jin Guan $0.4M can be used to dump in the master profile 270 now, but as half (($0.2M) of having only this amount of money when being transferred to master profile, has reached maximum unloading Shang Xian $1.0M.Therefore, after the unloading operation, the unloading remaining sum Bao Chizai $0.2M in the deposit account of safeguarding in the sub-profile 274 292.
Will be appreciated that, remain unchanged from comparing before the available balance of the deposit account that links under each sub-profile and the unloading operation.In other words, the fund of the outstanding amount of money that the loan account under the master profile owes is offseted in unloading, keeps each the accounts associated holder who can be used for by with sub-profile 272 to 276 to extract.To master profile 270 also is like this.
Figure 16 illustrates the general operation of interest optimal module 30 and bonus interest module 36.In the figure, illustrate exemplary loan account 310 and 312 and exemplary deposit account 314 to 318.Each of these accounts is linked at together (not requiring sub-profile foundation for the bonus interest function) under same master profile.This example view account management engine in the bonus interest that will in various deposit accounts, earn as to the some accounts' of link bonus and operation in handling under identical master profile and/or sub-profile.
In step 320, bonus interest is increased to each account.When occurring, then bonus interest credit (credit to) is arrived each account in step 324 in definite suitable interest cycle of step 322.If determine that by capital management unit 46 interest will be by payment loan account 310 and 312 in step 326, it is definite then to carry out whether being in debt about any clear loan in step 328.If this is the case, interest at least a portion of being used to compensate for these debts then.As determining in step 330, if superfluous fund is still arranged after this operation, then in step 332, superfluous fund is used to offset one or two of loan account 310 and 312 according to fund allocation standard 48.The function that step 320 to 332 correspondence is carried out by bonus interest module 36.Operation shown in Figure 16 causes interest optimization that (according to bonus interest module 42) only takes place between deposit account 314 to 318.
Therefore, in step 334, available balance merges the merging available balance that module 26 is determined from all deposit accounts 314 to 318.In step 336, this merging available balance transfers into the interest table 58 that the basis in the deposit account 314 to 318 safeguards then and is confirmed as having among the account of maximum rate of interest in account management engine 24.On the contrary, as shown in figure 17,, merge module 26 in step 338 by available balance and determine available merging remaining sums when making about when deposit account 318 extracts the request of funds.If determine to exist balance due in step 340, then whether system will still have the merging remaining sum to use step 344 inspection.If, then step 346 by with described amount of money credit to account 318 to avoid being collected any debit's interest, carry out remaining sum and compensate for to compensate for the balance due of deposit account 318.
Figure 18 and 19 be shown under the situation of depositing and under the situation of withdrawing deposit, the independent operation of interest optimal module 30.
When fund was received in one of deposit or loan account, fund was moved into deposit account to optimize the interest of earning.Fund is moved into one of deposit account according to predetermined fund allocation standard (as the deposit account interest rate), and funds on deposit is moved into the deposit account with maximum rate of interest.In certain embodiments, fund allocation standard can be provided with by the account holder.
On the contrary, when making when extracting the request of fund about one of account from link, the available balance of the fund among the all-links account is merged, and if the available balance of the fund among the all-links account surpass the amount of money of the fund that request extracts, then should ask to post.After this request had been posted, fund was moved into deposit account to optimize the interest of earning.Remaining fund is moved into one of deposit account according to the fund allocation standard.
As shown in figure 18, when deposit deposits in any one of deposit account 314 to 318, merge available balance in step 348 then, and the fund that deposits in is placed in the deposit account (deposit account 318 in this case) of paying high interest.Figure 19 shows when making the request drawing from any one of deposit account 314 to 318, at first in step 350 combined account remaining sum.If determine that in step 352 enough funds can be used for compensating for the request of drawing 354, this drawing of then posting.If after step 354 is determined withdrawing deposit, positive available balance is arranged still, carry out remaining sum in step 356 so and compensate for these superfluous funds are turned back to the deposit account of paying high interest.
At last, with identical loan account 310 and 312 and identical deposit account 314 to 318 explicitly, the operation of general diagram bonus interest module 36 in Figure 20.In step 358, be added to each account as the bonus interest that will pay major customer's account to the bonus that links some accounts.When step 360 determines that the next interest cycle has occurred, be credited to each account in step 362 bonus interest so.If the interest of earning in relevant user profiles 50 indications of step 364 will be used to offset the open amount from loan account 310 to 312, then check at first in step 368 whether any loan account is in debt in deposit account.If situation is like this, then the bonus interest of Zeng Jiaing is used to prop up and comes across.If determine to also have superfluous fund to use subsequently, then be used to offset one or two of loan account 310 and 312 according to the fund allocation standard in those funds of step 372 in step 370.
Capital management engine 24 allows the amount deposited of earn incentives interest is provided with the upper limit.This upper limit can be arranged on the unclear number percent account level of providing a loan, and wherein the sum of number percent is in 100%.By the bonus interest and/or the normal interest of each deposit account earning, can be used to send out day in advice of settlement cycle in bank in every month and offset loan principal.Perhaps, it can be maintained at deposit account as the available balance of withdrawing deposit.
Below the table 1 of Zhan Shiing has been listed the example fund allocation standard of being used by capital management unit 46 and financial function module 26 to 44 48, is used for determining when realizing the function of various modules 26 to 44 source and destination of the fund in the various linked accounts.In one or more embodiments, this fund allocation standard can be provided with by the account holder.For example, when fund will transfer into one of two accounts with identical interest rate from first account, the account holder can be provided with the fund allocation standard and be moved among the predetermined account to guarantee money.
| From product | Go to product | Allocation criterion |
| Savings/current account | Savings/current account | Fund dumps to the deposit account with the highest interest on deposit rate |
| Savings/current account | Overdraft account | The balance due on the OD is compensated in the fund unloading |
| Savings/current account | Mortgage loan (unloading bag (package)) | Allow unloading as remaining sum and the setoff loan debt of floating |
| Savings/current account | Mortgage loan (non-unloading bag) | Only allow normal loan repayment, or compensate for the loan debt |
| Overdraft account | Savings/current account | Have only the credit balance on the OD will dump to deposit account with the highest interest on deposit rate |
| Overdraft account | Overdraft account | The unloading balance due is to the OD of the low dr interest rate of tool |
| Overdraft account | RLA account's (unloading bag) | Only allow the credit balance unloading as remaining sum and the setoff loan debt of floating |
| Overdraft account | RLA account's (non-unloading bag) | Have only credit balance to allow to be used for to compensate for the loan debt |
| Mortgage loan (unloading bag) | Savings/current account | Only permission use available PSL (supplementing with money) and unsteady remaining sum are compensated for the interim OD in the deposit account that is caused by automatic loaning bill |
| Mortgage loan (non-unloading bag) | Savings/current account | Only the permission available PSL of use (supplementing with money) compensates for the interim OD in the deposit account that is caused by automatic loaning bill |
| Mortgage loan (unloading bag) | Overdraft account | Only the unsteady remaining sum of permission use is compensated for the balance due among the OD account.Do not allow to be used to compensate for service limits with available PSL the supplementing with money of (against) that offset |
| Mortgage loan (non-unloading bag) | Overdraft account | Do not allow to be used to compensate for service limits, but allow to compensate for the dr remaining sum with going beyond the limit with supplementing with money of offseting of available PSL |
| Mortgage loan (non-unloading bag) | Mortgage loan | Available PSL does not allow unloading in loan.But available PSL can be used to settle accounts the debt of another mortgage loan |
| Mortgage loan (unloading bag) | Mortgage loan | Allow the remaining sum unloading in loan of floating |
Table 1
Figure 21 is the synoptic diagram of the realization of the fund management system 10 in diagram unit, the local runtime environment.This figure shows personal computer or other computing equipments 400 that is connected to database 402.Account management engine 24 and transaction processing unit 22 depend on the data that are maintained in the database 402 and carry out on computing equipment 400 or operation.In its operating period, the user is mutual via graphical user interface 404 and computing equipment 400.
Figure 22 illustrates the distributed network environment of the alternative realization of expression fund management system 10.Account management engine and transaction processing unit with remote server 406 that database 408 is associated on realize.Visit to account's management engine and transaction processing unit provides via data network 414 (as the Internet) from remote terminal 410 and 412.Terminal 410 is connected to the database 416 that is used for local datastore.By graphical user interface 418 facilities the are provided operation of terminal 410.Similarly, database 420 is connected to terminal 412, and provides mutual with terminal 412 by graphical user interface 422.
One or more entities of fund management system 10 or function can realize by using hardware, software or its combination, and can realize in one of environment shown in Figure 21 and 22 or in one or more other units or distributed computer environment or framework.The example of computer system that is suitable for this purpose is shown in Figure 23.After having read this explanation, how to use other computer systems and/or other computer architectures to realize that the present invention will become obvious to those skilled in the art.
As will be appreciated, removable storage unit 448 comprises computer-usable storage medium, and described medium has been stored the computer software of a series of instruction types, is used to make the function of processor 210 carry out desired.In alternate embodiment, external memory 442 can comprise other similar parts, is used for allowing computer program or instruction to be loaded into computer system 430.Such parts can comprise for example removable storage unit 450 and the interface 452 that is associated.
Software has been realized the above embodiment of the present invention although mainly use a computer, in other embodiments can be mainly so that realize with the hardware of for example nextport hardware component NextPort (as special IC (ASIC)).Realize that hardware state machine will be tangible so that carry out function described here to various equivalent modifications.In other embodiments, the present invention can use the combination of hardware and software to realize.
Although the present invention describes in conjunction with the embodiment of limited quantity, will be apparent that those skilled in the art: according to previously described many replacements, modifications and variations is possible.Therefore, the invention is intended to be to comprise all such replacements, modifications and variations, as long as can fall in the disclosed spirit and scope of the invention.
Claims (27)
1. the method for a managed fund between linked accounts, described linked accounts comprises a plurality of loan accounts and a plurality of deposit account, said method comprising the steps of:
Receive funds on deposit in one of deposit or loan account; And
Move this funds on deposit and offset loaning bill in a plurality of loan accounts to minimize the interest of paying in a plurality of loan accounts, funds on deposit up to first predetermined limits is moved in first loan account, and be moved in second loan account up to any superfluous fund of second predetermined limits, described first and second loan accounts are determined according to one or more predetermined fund allocation standards.
2. the method for claim 1, wherein one of first and second predetermined limits or both are the clear amount of the loan.
3. the method for claim 1, wherein one of first and second predetermined limits or both are the maximum unloading upper limit.
4. as each described method of front claim, wherein said predetermined fund allocation standard comprises the whether indication of debt of loan account.
5. method as claimed in claim 4, and may further comprise the steps:
When two or more loan account debts, determine to settle accounts the order of described two or more loan accounts according to predetermined loan settlement standard.
6. as each described method of front claim, wherein said predetermined fund allocation standard comprises the loan account interest rate, and first loan account has the interest rate higher than second loan account.
7. as each described method of front claim, and may further comprise the steps:
Offset one or more unclear loan accounts in case funds on deposit has been moved, just the fund of lefting in is moved into the interest of coming the optimization earning in described a plurality of deposit account, described surplus capital moves in one or more deposit accounts according to the fund allocation standard.
8. method as claimed in claim 7, wherein said fund allocation standard comprises the deposit account interest rate, described surplus capital is moved in the deposit account with maximum rate of interest.
9. as each described method of front claim, wherein said fund allocation standard can be provided with by the account holder.
10. method as claimed in claim 8, wherein when two accounts had identical interest rate, described fund allocation standard can only be provided with by the account holder.
11. the method for a managed fund between linked accounts, described linked accounts comprise a plurality of loan accounts and a plurality of deposit account, said method comprising the steps of:
Receive funds on deposit in one of deposit or loan account; And
Mobile funds on deposit is come the interest of optimization earning in a plurality of deposit accounts, and described funds on deposit moves in one of deposit accounts according to one or more predetermined fund allocation standards.
12. method as claimed in claim 11, wherein said fund allocation standard comprises the deposit account interest rate, and described funds on deposit is moved in the deposit account with maximum rate of interest.
13. as each described method of claim 11 or 12, wherein said predetermined fund allocation standard can be provided with by the account holder.
14. method as claimed in claim 11, wherein when two accounts had identical interest rate, described fund allocation standard can only be provided with by the account holder.
15., and may further comprise the steps as each described method of front claim:
Reception is about extraction fund request from one of the account of link;
The available balance that merges the fund among the all-links account; And
If the available balance of the fund among the all-links account surpasses the principal amount that request is extracted, then should ask posting.
16. method as claimed in claim 15, and may further comprise the steps:
After the request of extracting has been posted, offseted fund that loan account borrows money and turn back to it and ask among the account of described extraction before moving.
17. method as claimed in claim 15, and may further comprise the steps:
After the request of extracting has been posted, the fund among the maximum rate of interest account of before moving to turned back to it ask among the account of described extraction.
18. each described method as the front claim, wherein linked accounts comprises more than second deposit account that links under more than first loan account and following more than first deposit account that links of master profile and the sub-profile, said method comprising the steps of:
Funds on deposit in the mover profile deposit account is to offset the loaning bill in a plurality of master profile loan accounts, to minimize the interest of payment.
19. method as claimed in claim 18, and may further comprise the steps:
Reception is about the request of extraction fund from one of sub-profile deposit account;
The available balance that merges the fund in the described sub-profile deposit account; And
If the available balance of the fund in the described sub-profile deposit account surpasses the principal amount that request is extracted, then should ask posting.
20., and may further comprise the steps as each described method of claim 18 or 19:
Reception is about the request of extraction fund from one of master profile account;
The available balance that merges the fund among the described master profile account; And
If the available balance of the fund among the described master profile account surpasses the amount of money of the fund of request extraction, then should ask posting.
21. as each described method of claim 18 to 20, wherein master profile relates to two different account holders with sub-profile.
22. as each described method of claim 18 to 20, wherein master profile relates to identical account holder with sub-profile.
23., and may further comprise the steps as each described method of front claim:
Pay bonus interest for the deposit account of link.
24. system that is used for managed fund between linked accounts, described fund management system comprises account management engine and transaction processing system, described account management engine comprises a series of instructions, is used to make transaction processing system to carry out each the described method as the front claim.
25. system as claimed in claim 24, wherein said account management engine comprises a plurality of financial module, and each financial module is optionally operated linked accounts is carried out the finance operation.
26. system as claimed in claim 24, wherein said finance operation comprises any one in the shared extraction of available balance merging, interest optimization, fund, the payment of bonus interest, normal interest payment and the bonus interest payment.
27. one kind is being used for the computer software that the system of managed fund uses between linked accounts, described fund management system comprises account management engine and transaction processing system, described computer software forms the part of the part of account management engine at least, and comprise a series of instructions, be used to make transaction processing system to carry out each described method as the front claim.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| SG200704007-4A SG148076A1 (en) | 2007-06-04 | 2007-06-04 | Funds management method and system |
| SG2007040074 | 2007-06-04 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101320462A true CN101320462A (en) | 2008-12-10 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2008101002193A Pending CN101320462A (en) | 2007-06-04 | 2008-05-16 | Funds management method and system |
Country Status (5)
| Country | Link |
|---|---|
| KR (1) | KR20080106837A (en) |
| CN (1) | CN101320462A (en) |
| SG (1) | SG148076A1 (en) |
| TW (1) | TW200912792A (en) |
| WO (1) | WO2008150243A2 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108510386A (en) * | 2018-04-04 | 2018-09-07 | 北京全亚信息服务有限公司 | A kind of network loan system, method, terminal and medium |
| CN109102281A (en) * | 2018-07-31 | 2018-12-28 | 北京比特大陆科技有限公司 | A kind of method and apparatus for realizing the integration of digital cash transaction record |
| TWI696143B (en) * | 2018-01-25 | 2020-06-11 | 合作金庫商業銀行股份有限公司 | Cloud housekeeping system |
Families Citing this family (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8275685B2 (en) | 2010-01-04 | 2012-09-25 | Bank Of America Corporation | Determining a payment strategy |
| US8463703B1 (en) | 2012-02-22 | 2013-06-11 | Citibank, N.A. | Methods and systems for customer incentive awards |
| US11250503B1 (en) * | 2017-12-27 | 2022-02-15 | Square, Inc. | User interface for presenting capital offers |
| US11379913B1 (en) | 2018-05-31 | 2022-07-05 | Block, Inc. | Electronic payroll funds transfer delay and failed transfer coverage |
| US11107157B1 (en) | 2018-05-31 | 2021-08-31 | Square, Inc. | Intelligent modification of capital loan offerings at point-of-sale |
| US11176607B1 (en) | 2018-06-28 | 2021-11-16 | Square, Inc. | Capital loan optimization |
| TWI761673B (en) * | 2019-04-09 | 2022-04-21 | 許家燁 | Debt repayment system and debt management method |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7174313B1 (en) * | 1999-03-04 | 2007-02-06 | Merrill, Lynch, Pierce, Fenner & Smith | Portfolio rebalancing system |
| US20040111370A1 (en) * | 2000-06-27 | 2004-06-10 | Digital World Access, Inc. | Single source money management system |
| US20060047593A1 (en) * | 2004-09-01 | 2006-03-02 | Ubs Financial Services Inc. | Method and system for funds management |
-
2007
- 2007-06-04 SG SG200704007-4A patent/SG148076A1/en unknown
-
2008
- 2008-04-04 KR KR1020080031872A patent/KR20080106837A/en not_active Application Discontinuation
- 2008-05-16 CN CNA2008101002193A patent/CN101320462A/en active Pending
- 2008-06-04 WO PCT/SG2008/000203 patent/WO2008150243A2/en active Application Filing
- 2008-06-04 TW TW097120711A patent/TW200912792A/en unknown
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI696143B (en) * | 2018-01-25 | 2020-06-11 | 合作金庫商業銀行股份有限公司 | Cloud housekeeping system |
| CN108510386A (en) * | 2018-04-04 | 2018-09-07 | 北京全亚信息服务有限公司 | A kind of network loan system, method, terminal and medium |
| CN109102281A (en) * | 2018-07-31 | 2018-12-28 | 北京比特大陆科技有限公司 | A kind of method and apparatus for realizing the integration of digital cash transaction record |
| WO2020024473A1 (en) * | 2018-07-31 | 2020-02-06 | 新加坡矩阵有限公司 | Method and apparatus for implementing integration of digital certificate transaction records |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2008150243A3 (en) | 2009-02-26 |
| TW200912792A (en) | 2009-03-16 |
| WO2008150243A2 (en) | 2008-12-11 |
| KR20080106837A (en) | 2008-12-09 |
| SG148076A1 (en) | 2008-12-31 |
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