JP5019238B2 - 二次的にリンクされた支出口座、及び貯蓄口座 - Google Patents
二次的にリンクされた支出口座、及び貯蓄口座 Download PDFInfo
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Description
本特許出願は、2007年3月14日に出願されたU.S. Provisional Patent Application Serial No. 60/894875、表題”CONTROLLED SPENDING AND SAVINGS SECONDARY ACCOUNTS”と、2007年8月13日に出願されたU.S. Patent Application Serial No. 11/837704、表題”SPENDING AND SAVINGS SECONDARY LINKED ACCOUNTS”の出願日の利益を主張し、これらの出願の内容は本明細書において、参照によってその全体が組み込まれる。
図1は、一実施形態に係る、クライアントサーバアーキテクチャを有する、システム100を表すネットワーク図を示す。システムは、ネットワークに基づくシステム112の実施例形式において、ネットワーク114(例えば、インターネット、公的、または私的な電話回線ネットワーク(有線、若しくは無線)、Bluetooth若しくはIEEE 802.11xのような技術を使用する私的なワイヤレスネットワーク、または他のネットワーク)を介して、一つ以上のクライアントへと、サーバ側の機能を提供する。図1は、クライアントマシン120、例えば、ネットワークに基づくデバイスで実行する、例えばウェブクライアント116(例えば、MICROSOFT(登録商標)によって開発されたINTERNET EXPLORER(登録商標)ブラウザのようなブラウザ)を示す。デバイスアプリケーション117は、クライアントマシン121で実行してもよい。プログラマチッククライアント118は、クライアントマシン122で実行してもよい。更には、図1に示されたシステム100は、クライアントサーバアーキテクチャを使用するが、本実施形態は、そのようなアーキテクチャに限定されることはもちろんなく、分散型、若しくはピアツーピアのアーキテクチャシステムにも、同等に応用されうる。
図2は、本発明の一実施形態における、ネットワークに基づくシステム112の一部である(複数の)アプリケーションサーバ128を示すブロック図を示す。本実施形態においては、(複数の)支払モジュール132、及び、(複数の)運営モジュール130は、ネットワークに基づくシステム112の(複数の)アプリケーションサーバ128によってホストされてもよい。
図3は、一実施形態に係る、データベース136内で保持されうる、種々のテーブル300を示す、ハイレベルのエンティティ関係図を示す。テーブル300は、(複数の)アプリケーションサーバの(複数の)モジュールによって使用されてもよいし、かつ、それらをサポートしてもよい。
図4は、一実施形態に係る主要口座名義人インターフェイス400を示す。主要口座インターフェイスは、ユーザ識別情報と、主要ユーザの状態だけでなく主要ユーザのプロフィールを編集する能力とを含む。口座タイプは、個人、法人、若しくは金融サービス提供者によって提示される他の適切なタイプであってもよい。口座情報は、410において、インターフェイスに表示されうる。補助口座、若しくは二次的口座もまた、420において、このインターフェイスに表示されうる。この実施例においては、トミージュニア、及びサマンサのために、二つの二次的口座が存在する。各二次的口座に対して、少なくとも一つの支出口座、及び少なくとも一つの貯蓄口座が存在する。二次的口座は、例えば、二次的口座に関連付けられたリンクを選択することによって、管理されてもよいし、かつアクセスされてもよい。(複数の)二次的口座に関連するメッセージ、及び(複数の)二次的口座に関連する取引は、このインターフェイスの使用を通じて承認されてもよい。新たにリンクされた口座を作成するため、並びに二次的口座を主要口座、及び二次的口座へとリンクさせるための、口座リンク機能430は、支出口座、及び貯蓄口座の両方を含んでもよい。
図18は、本発明の一実施形態に係る、方法1800のフローチャートを示す。
図19は、本明細書で記述される一つ以上の方法論のうちのいずれかをマシン(コンピュータ)に実施させるための一組の命令が実行されうる、コンピュータシステム1900の実施例形式におけるマシンの図表示を示す。他の実施形態においては、マシンはスタンドアローンデバイスとして動作するか、若しくは他のマシンへ(例えばネットワーク)と接続されてもよい。ネットワーク配置においては、マシンは、サーバクライアントユーザネットワーク環境におけるサーバ、若しくはクライアントユーザマシンとして動作してもよいし、または、ピアツーピア(若しくは分散型)ネットワーク環境におけるピアマシンとして動作してもよい。マシンは、サーバコンピュータ、クライアントユーザコンピュータ、パーソナルコンピュータ(PC)、タブレットPC、セットトップボックス(STB)、携帯型情報端末(PDA)、携帯電話、モバイルデバイス、パームトップコンピュータ、ラップトップコンピュータ、デスクトップコンピュータ、携帯型情報端末、通信デバイス、ワイヤレス電話、固定電話、制御システム、カメラ、スキャナ、ファクシミリ、プリンタ、テレビ、テレビケーブル、ポケットベル、個人的に信頼するデバイス、ウェブ装置、ネットワークルータ、スイッチ、若しくはブリッジ、または、マシンによって行われるべき動作を指示する、(連続的、若しくは他の)一組の命令を実行することが可能ないかなるマシンであってもよい。
Claims (19)
- 一つ以上のプロセッサを用いて、二次的口座であって、前記二次的口座は支出口座、及び貯蓄口座を含み、依存資金源部および独立資金源部を有する前記二次的口座を主要口座へ対応付ける口座開設モジュールと、
商店主データベースおよび支出制限テーブルを用いて、前記主要口座の名義人が、あるカテゴリ内またはある商店主への支出を限ることによって、前記二次的口座の名義人に関連する前記二次的口座の前記依存資金源部内の資金にアクセスするおよび資金を使うことを制御するための商店主制御モジュールおよびカテゴリ制御モジュールと、
前記二次的口座の名義人が前記独立資金源部内の資金を制御することを可能にする二次的口座名義人管理モジュールと、
を含むことを特徴とするシステム。 - さらに、セキュリティ管理モジュール、市場制御モジュール、及び資金送金モジュールを含む群から選択されるモジュールを含む、
ことを特徴とする請求項1に記載のシステム。 - 前記貯蓄口座、及び前記支出口座間の資金の送金を制御するための資金送金モジュールを含む、
ことを特徴とする請求項1に記載のシステム。 - 前記二次的貯蓄口座で利子が得られることを可能にするための貯蓄モジュールを含む、ことを特徴とする請求項1に記載のシステム。
- 前記貯蓄モジュールは、前記貯蓄口座で得られる前記利子が、前記主要口座から利子補給されることを可能にする、
ことを特徴とする請求項4に記載のシステム。 - 前記二次的口座の前記貯蓄口座の一部が、選択された目標のために確保されることを可能にするための貯蓄モジュールを含む、
ことを特徴とする請求項1に記載のシステム。 - 前記選択された目標を満たすことによって、前記二次的口座の前記貯蓄口座の前記確保された一部からの資金で、前記選択された目標に関連付けられた特定の品目を自動的に購入するためのパラメータを含む貯蓄目標購入モジュールを有する支払モジュールを含む、ことを特徴とする請求項6に記載のシステム。
- ‘実社会の’貯蓄、及び支出をシミュレートするための金融ゲームモジュールを含む、カスタマイジングモジュールを含む、
ことを特徴とする請求項1に記載のシステム。 - 一つ以上のプロセッサを用いて、二次的口座であって、前記二次的口座は支出口座、及び貯蓄口座を含み、口座開設モジュールが依存資金源部および独立資金源部を有する二次的口座へ主要口座を対応付けるステップと、
二次的口座名義人管理モジュールが前記二次的口座の名義人が前記独立資金源部内の資金を制御することを可能にする一方で、前記主要口座の名義人が、商店主データベースおよび支出制限テーブルを用いる商店主制御モジュールおよびカテゴリ制御モジュールを介して、あるカテゴリ内またはある商店主への支出を限ることによって、前記二次的口座の名義人に関連する前記二次的口座の前記依存資金源部内の資金にアクセスするおよび資金を使うことを制御することを可能にするステップと、
を含むコンピュータが実行可能な方法。 - さらに、セキュリティ管理モジュールが前記二次的口座のセキュリティレベルを管理するステップ、市場制御モジュールが、どこで、若しくはいかにして、前記二次的口座名義人が前記二次的口座から資金を支出しうるかを制御するステップを含む群から選択されるステップを含む、
ことを特徴とする請求項9に記載の方法。 - 前記貯蓄口座、及び前記支出口座間の資金の送金を制御するステップを含む、
ことを特徴とする請求項9に記載の方法。 - 前記二次的口座の前記貯蓄口座で利子が得られることを可能にするステップを含む、ことを特徴とする請求項9に記載の方法。
- 前記主要口座から、前記得られた利子の利子補給をするステップを含む、
ことを特徴とする請求項12に記載の方法。 - 前記二次的口座の前記貯蓄口座の一部が、選択された目標のために確保されることを可能にするステップを含む、
ことを特徴とする請求項9に記載の方法。 - 前記選択された目標を満たすことによって、前記貯蓄口座の前記確保された一部からの資金で、前記選択された目標に関連付けられた特定の品目を購入するステップを含む、
ことを特徴とする請求項14に記載の方法。 - ‘実社会の’貯蓄、及び支出をシミュレートするステップを含む、
ことを特徴とする請求項9に記載の方法。 - 一つ以上のプロセッサによって実装されたときに、以下の動作、すなわち、
口座開設モジュールが主要口座へと二次的口座を対応付ける動作であって、前記二次的口座は依存資金源部および独立資金源部を有するとともに、支出口座、及び貯蓄口座を含む、動作と、
二次的口座名義人に対して前記二次的口座内の資金へのアクセスを制御する動作であって、二次的口座名義人管理モジュールが前記二次的口座の名義人が前記独立資金源部内の資金を制御することを可能にする一方で、前記主要口座の名義人が、商店主データベースおよび支出制限テーブルを用いる商店主制御モジュールおよびカテゴリ制御モジュールを介して、あるカテゴリ内またはある商店主への支出を限ることによって、前記二次的口座の名義人に関連する前記二次的口座の前記依存資金源部内の資金にアクセスするおよび資金を使うことを制御することを可能にする動作と、
を実施する、複数の命令を含む、マシンで読み出し可能な記憶媒体。 - 動作はさらに、前記貯蓄口座、及び前記支出口座間の資金の送金を制御することを含む、
ことを特徴とする請求項17に記載のマシンで読み出し可能な記憶媒体。 - 動作はさらに、前記二次的口座の前記貯蓄口座で利子が得られることを可能にすることを含む、
ことを特徴とする請求項17に記載のマシンで読み出し可能な記憶媒体。
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US89487507P | 2007-03-14 | 2007-03-14 | |
US60/894,875 | 2007-03-14 | ||
US11/837,704 US7945512B2 (en) | 2007-03-14 | 2007-08-13 | Spending and savings secondary linked accounts |
US11/837,704 | 2007-08-13 | ||
PCT/US2008/003410 WO2008112303A2 (en) | 2007-03-14 | 2008-03-14 | Spending and savings secondary linked accounts |
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JP2012045133A Division JP5397713B2 (ja) | 2007-03-14 | 2012-03-01 | 口座管理プログラム |
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JP2010521741A JP2010521741A (ja) | 2010-06-24 |
JP2010521741A5 JP2010521741A5 (ja) | 2011-07-21 |
JP5019238B2 true JP5019238B2 (ja) | 2012-09-05 |
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JP2012045133A Active JP5397713B2 (ja) | 2007-03-14 | 2012-03-01 | 口座管理プログラム |
JP2013211624A Active JP5849300B2 (ja) | 2007-03-14 | 2013-10-09 | 口座管理方法、口座管理システム、および記録媒体 |
JP2015217488A Pending JP2016029592A (ja) | 2007-03-14 | 2015-11-05 | 口座管理プログラム |
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JP2012045133A Active JP5397713B2 (ja) | 2007-03-14 | 2012-03-01 | 口座管理プログラム |
JP2013211624A Active JP5849300B2 (ja) | 2007-03-14 | 2013-10-09 | 口座管理方法、口座管理システム、および記録媒体 |
JP2015217488A Pending JP2016029592A (ja) | 2007-03-14 | 2015-11-05 | 口座管理プログラム |
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JP (4) | JP5019238B2 (ja) |
KR (3) | KR20130010053A (ja) |
WO (1) | WO2008112303A2 (ja) |
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US8732076B2 (en) | 2014-05-20 |
JP2010521741A (ja) | 2010-06-24 |
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