JP2002207882A - Cash withdrawal system for saving account - Google Patents

Abstract

PROBLEM TO BE SOLVED: To automatically withdraw a lacking portion from his/her own saving account at another optional financial institution even in the case that the balance of his/her saving account is less than a withdrawal money amount and to pay it to a specified account. SOLUTION: At the time of newly opening his/her saving account at the financial institution D, his/her saving accounts of a financial institution A, a financial institution B and a financial institution C are designated as the saving accounts of affiliated financial institutions. By interconnecting his/her saving accounts of the respective financial institutions online, the individual accounts are united and turned to one virtual saving account and withdrawal is freely performed from his/her saving account of the optional affiliated financial institution at one place within the range of the entire total money amount.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to debiting cash from a bank account of a financial institution and transferring the cash to an account of any other financial institution.

[0002]

2. Description of the Related Art Conventionally, when cash is debited from a savings account of a financial institution having its own savings account and the cash is transferred to a cash transfer account of a third party, the savings account of the own savings account is debited. If the remaining amount was less than the amount required for the transfer, it could not be debited, and as a result, the transfer could not be made.

[0003]

[Problem to be Solved by the Invention] When debiting cash from one's own savings account opened at an arbitrary financial institution and transferring cash to a third party cash transfer account, one's own savings account of the financial institution to be debited Even if the remaining amount is less than the amount required for the transfer, the full or missing amount will be automatically deducted from your savings account opened at any other financial institution and transferred to the designated account Payment is possible.

[0004]

Means for Solving the Problems In order to solve the above-mentioned problems, the present applicant provides the invention described in claims 1 to 2 or 3 described above.

[0005]

Embodiments of the present invention will be described below in detail with reference to the drawings. Generally, when trading with Internet Securities, a savings account to pay for the stock price must be opened at the financial institution designated by Internet Securities. This designated financial institution is often different from the financial institution that currently has a savings account. Therefore, open a new savings account at the designated financial institution,
It is necessary to deposit the purchase price of the shares into the savings account in advance. Then, when the stock is purchased, the contract price of the stock is withdrawn from the savings account and transferred to the net securities transfer account. In current Internet securities, when purchasing stocks, it is often impossible to place an order to buy stocks unless there is more than the expected contract price for the stock purchase in the savings account of the designated financial institution. . Therefore, if you want to buy shares suddenly and the balance is insufficient in your savings account designated by the Internet Securities, the amount of the shortage is determined in advance so that the desired shares will be available for purchase in the savings account. It is necessary to make a transfer, and the procedure takes a long time, and there is a case where a chance to purchase the stock at the desired price is lost. In this patent, it is devised to solve this inconvenience. The following is a more specific description of a cash withdrawal method.

For example, there are three financial institutions that have their own savings accounts, and the financial institutions A, B,
Financial institution C. On the other hand, the financial institution to which the net securities has designated the transfer account is defined as financial institution D. When a new savings account is opened at the financial institution D, the own savings accounts of the financial institution A, the financial institution B and the financial institution C are designated as the savings accounts of the affiliated financial institution. In this way, their own savings accounts of financial institution A, financial institution B, financial institution C and financial institution D are interconnected online, and their individual accounts of all of them are merged into a virtual one. One savings account, and the balance of the virtual savings account is the total sum of the balances of the savings accounts of all the affiliated financial institutions A, B, C, and D. The principal can freely debit his or her savings account at any one affiliated financial institution within this total amount. When withdrawing cash, information such as which partner financial institution to withdraw and how much the balance will be, can be notified to the principal by some means.

[0007] When placing an order to buy stocks on the net securities, if the savings account of the financial institution D has a shortage in the savings account of the stock, if the virtual savings account has sufficient balance, good. Upon payment of the contract fee after purchasing the shares,
When the balance of the savings account of the financial institution D is insufficient, the shortfall amount or the entire contract price is deducted from the financial institution A, the financial institution B, or the financial institution C's own savings account. In this case, if a priority is specified for these financial institutions, the money is debited from the savings account in that order. For example, assuming that the financial institution C, the financial institution A, and the financial institution B have the highest priority, the financial institution D
If the remaining amount of the savings account is insufficient, the savings account of the financial institution C is first deducted. If the remaining amount is insufficient, the savings account of the financial institution A is withdrawn. In this way, it is not necessary to deposit in advance the amount of money required for purchasing stocks in the savings account of the financial institution D in advance. In an extreme example, even if the balance of the savings account of the financial institution D is 0, the stock can be purchased.

[0008] This method is applicable not only to the deduction of the contract price of stocks but also to the automatic deduction of utilities such as taxes, gas, water, electricity, NHK and telephone charges. For example, it is assumed that a savings account of the financial institution A is designated as a debit account for these utilities. If the savings account of Financial Institution A is insufficient and the utility bill cannot be deducted, debit it from other affiliated Financial Institutions B, C and D Is possible. This system is easy to implement because financial institutions are online and connected to each other. Generally, it is unlikely that this method will cause any problems, as the savings account of your main financial institution is likely to have sufficient funds. Of course, only the transactions within the balance of the savings accounts of all the banks with which they are dealing are possible, so it is necessary to manage the balance on a daily basis.

[0009]

As described above, according to the present invention, cash is deducted from a savings account of one's own bank opened at an arbitrary financial institution, and cash is transferred to a third party cash transfer account. Even if the balance of the savings account of the financial institution is less than the debited amount, the full or insufficient cash is automatically deducted from your savings account opened at any other financial institution and designated Can be credited to your account.

[Brief description of the drawings]

FIG. 1 shows a conceptual diagram of a cash withdrawal method for a savings account according to the present patent.

[Explanation of symbols]

 1 Financial Institution A 2 Financial Institution B 3 Financial Institution C 4 Financial Institution D

Claims (3)

[Claims] If a savings account is set up at any of a plurality of different financial institutions, a virtual savings account is formed by interconnecting all the savings accounts online. The sum of the balances of all savings accounts is regarded as the balance of the virtual savings account, and within the range of the balance, it is possible to withdraw cash from one of the above financial institutions' own savings accounts. Cash withdrawal method for savings accounts. 2. The virtual savings account is used by deducting cash from one's own savings account opened at an arbitrary financial institution and transferring cash to a third party's cash transfer account. Even if the balance of your savings account at the financial institution that debits the cash is less than the amount deducted, the full or insufficient amount will be automatically deducted from your savings account opened at any other financial institution. 2. The cash withdrawal method for a savings account according to claim 1, wherein the account can be paid. 3. In the case where there are a plurality of arbitrary financial institutions having their own savings accounts, it is necessary to prioritize and determine the order of the arbitrary financial institutions from which cash is to be withdrawn in advance. 3. A cash withdrawal method for a savings account according to claim 1 or 2, wherein: