JP2021536044A - 仮想副口座 - Google Patents
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Abstract
Description
Claims (20)
- 金融機関における実際のユーザ口座に関する情報を受信する実際の口座モジュールと、
仮想口座を作成する仮想口座モジュールであって、該仮想口座は、実際のユーザ口座によって管理される前記金融機関におけるシミュレートされたユーザ口座を備えた、仮想口座モジュールと、
前記実際のユーザ口座が前記仮想口座を管理するように前記仮想口座を前記実際のユーザ口座に結び付けるリンキングモジュールと
を備えた装置。 - 請求項1に記載の装置であって、前記仮想口座を前記金融機関における実際のユーザ口座に変換する変換モジュールをさらに備えた装置。
- 請求項1に記載の装置であって、
前記実際のユーザ口座は、前記仮想口座に資金を送る/前記仮想口座から資金を受け取るのに使用される金銭的残高を備え、
前記仮想口座において認識される資金は、前記実際のユーザ口座残高に留まるが、前記資金が前記仮想口座において認識される一方で、前記実際のユーザ口座に関連付けられたユーザには利用可能でない、装置。 - 請求項1に記載の装置であって、前記仮想口座に関連付けられたインターフェース内で金融教育材料を提示する教育モジュールをさらに備えた装置。
- 請求項4に記載の装置であって、前記教育モジュールは、前記仮想口座の使用を解析し、前記仮想口座の前記使用に関係のある、提示されるべき金融教育材料を動的に選択する、装置。
- 請求項1に記載の装置であって、
前記仮想口座に関連付けられたインターフェース内でタスクを提示することであって、前記タスクは、前記タスクを完了することに対する金銭的価値を備えた、提示することと、
前記タスクが完了されたことに応答して、前記実際のユーザ口座から前記仮想口座に前記金銭的価値を提供することと
を行うタスクモジュールをさらに備えた装置。 - 請求項6に記載の装置であって、前記タスクモジュールは、前記仮想口座に前記金銭的価値を提供することに先立って、前記タスクが完了されたことをさらに検証し、前記検証は、完了された前記タスクの画像を備えた、装置。
- 請求項6に記載の装置であって、前記タスクモジュールは、
前記仮想口座に関連付けられたユーザから、ユーザによって定義されるタスクおよび前記ユーザによって定義されるタスクの完了に対する関連付けられた金銭的価値を受信することと、
ユーザによって定義されるタスクの完了に応答して、前記実際のユーザ口座から前記仮想口座に前記金銭的価値が提供されるように、前記実際のユーザ口座に関連付けられたユーザから前記ユーザによって定義されるタスクの承認を受信することと
をさらに行う、装置。 - 請求項1に記載の装置であって、前記仮想口座における残高の少なくとも一部分を1つまたは複数の目標に割り当てる目標モジュールであって、前記1つまたは複数の目標に割り当てられた前記残高の前記少なくとも一部分は、前記仮想口座に関する利用可能な残高から引き落とされる、目標モジュールをさらに備えた装置。
- 請求項9に記載の装置であって、前記仮想口座に提供された資金の少なくとも一部分を、前記実際のユーザ口座のユーザが定義する1つまたは複数の規則に基づいて1つまたは複数の目標に割り当てる割当てモジュールをさらに備えた装置。
- 請求項1に記載の装置であって、前記仮想口座における残高を使用して前記仮想口座から支払いを行うための手段を提供する支払いモジュールであって、前記支払いのための資金は、前記仮想口座に結び付けられた前記実際のユーザ口座から引き落とされ、前記仮想口座残高において実現される、支払いモジュールをさらに備えた装置。
- 請求項11に記載の装置であって、前記仮想口座から支払いを行うための前記手段は、物理的支出カードと、仮想支出カードと、モバイル支払いと、デジタルウォレットと、モバイルアプリケーションとのうちの1つまたは複数を備えた、装置。
- 請求項11に記載の装置であって、前記支払いモジュールは、前記仮想口座から支払いを処理することに先立って、前記実際のユーザ口座のユーザに、前記仮想口座からの支払いに関する承認を促す指示をさらに出す、装置。
- 請求項1に記載の装置であって、前記仮想口座のための対話型インターフェースを提供するインターフェースモジュールであって、前記対話型インターフェースは、前記仮想口座の管理に関連付けられた様々なタスクを実行することを伴う実践的な体験を提供するための対話型インターフェース要素を備えた、インターフェースモジュールをさらに備えた装置。
- 請求項1に記載の装置であって、前記インターフェースモジュールは、前記仮想口座の前記ユーザの年齢および前記仮想口座の前記ユーザの使用のうちの1つまたは複数に基づいて、前記対話型インターフェースのフィーチャを動的に変更する、装置。
- 金融機関における実際のユーザ口座に関する情報を受信するステップと、
仮想口座を作成するステップであって、該仮想口座は、実際のユーザ口座によって管理される前記金融機関におけるシミュレートされたユーザ口座を備えた、ステップと、
前記実際のユーザ口座が前記仮想口座を管理するように前記仮想口座を前記実際のユーザ口座に結び付けるステップと
を備えた方法。 - 請求項16に記載の方法であって、前記仮想口座を前記金融機関における実際のユーザ口座に変換するステップをさらに備えた方法。
- 請求項16に記載の方法であって、
前記仮想口座に関連付けられたインターフェース内でタスクを提示するステップであって、前記タスクは、前記タスクを完了することに対する金銭的価値を備えた、ステップと、
前記タスクが完了されたことに応答して、前記実際のユーザ口座から前記仮想口座に前記金銭的価値を提供するステップと
をさらに備えた方法。 - 請求項16に記載の方法であって、前記仮想口座における残高の少なくとも一部分を1つまたは複数の目標に割り当てるステップであって、前記1つまたは複数の目標に割り当てられた前記残高の前記少なくとも一部分は、前記仮想口座に関する利用可能な残高から引き落とされる、ステップをさらに備えた方法。
- 金融機関における実際のユーザ口座に関する情報を受信するための手段と、
仮想口座を作成するための手段であって、該仮想口座は、実際のユーザ口座によって管理される前記金融機関におけるシミュレートされたユーザ口座を備えた、手段と、
前記実際のユーザ口座が前記仮想口座を管理するように前記仮想口座を前記実際のユーザ口座に結び付けるための手段と
を備えた装置。
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US201862732579P | 2018-09-18 | 2018-09-18 | |
US62/732,579 | 2018-09-18 | ||
PCT/US2019/051798 WO2020061239A1 (en) | 2018-09-18 | 2019-09-18 | Virtual subaccounts |
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JP2021536044A true JP2021536044A (ja) | 2021-12-23 |
JP7202382B2 JP7202382B2 (ja) | 2023-01-11 |
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US (2) | US20200090148A1 (ja) |
EP (1) | EP3701460A4 (ja) |
JP (1) | JP7202382B2 (ja) |
AU (1) | AU2019345046B2 (ja) |
CA (1) | CA3082339A1 (ja) |
WO (1) | WO2020061239A1 (ja) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
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JP7455556B2 (ja) | 2019-11-19 | 2024-03-26 | 株式会社Sbi新生銀行 | 仮想口座装置、管理口座管理装置、資金移動装置、仮想口座提供システム、及び仮想口座提供方法 |
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US10643191B2 (en) * | 2012-01-27 | 2020-05-05 | Visa International Service Association | Mobile services remote deposit capture |
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