200912792 九、發明說明·· t 明 屬 】 _ 本發明係為一種資金管理方法及系統。 C先前技術3 5 發明背景 / \200912792 IX. Invention Description·· t Ming 】 _ The present invention is a fund management method and system. C prior art 3 5 invention background / \
本發明一般係關於供資金管理之電腦化系統，並且尤其 是關於可在一個或多個帳戶持有者名下連結財務帳戶之間的 資金官理系統。本發明是適合使用於在代表他們客戶維★蔓悟 戶管理的銀行以及其他財務機構所維護之電腦化系統中，並 1〇且藉由本發明非限制性相關範例將方便於說明本發明。 習慣上，銀行維護電腦系統，於其中針對分別的客戶 或帳戶持有者之一個或多個帳戶可被維護。為了管理各帳 戶持有者之財務業務，多種型式之帳戶可能是所需的，例 如，資款帳戶、透支帳戶、活期存款以及存款帳戶。抵押 15貸款以及透支帳戶被維護，因而帳戶持有者可自銀行借用 貪金’因而該存款帳戶以及活期存款使一帳戶持有者能夠 放置資金於該銀行並且賺取那些資金之利息。一利率是與 各帳戶相關的，亦即決定必須由自銀行借用資金的客戶付 還之額外金錢總和的一種利率，或對應於放置資金於該銀 行之客戶觸㈣餐錢姊之—種利率。 以財務有利的方式幫助帳戶持有者管理他們各種帳戶 7試被進行。例如，—些電腦㈣最近被引人-種抵扣 貸款功能，於其中被晋.^ 谈置放在—存款帳戶t之資金相對於在 一相關資款帳戶中之本全祜 金被抵扣，並且在#錄戶上所賺 5 200912792 取的利息被抵扣該貸款帳戶上應支付的利息。在該存款帳 戶上所賺取之利息通常是具有相同於該貸款帳戶上應支付 利息之利率。這抵扣貸款功能使得必須由貸款帳戶之帳戶 持有者付還的利息損失減到最少並且將該帳戶持有者的兩 5 個帳戶管理予以簡化。 10 15 但是，許多帳戶持有者維護在一財務機構之多種型式 帳户。這些帳戶包括資產借貸帳戶、個人借貸帳戶 '信用 卡帳戶、透支帳戶、貸款帳戶、支票帳戶、存款帳戶以及 疋期存款。這些帳戶可能有不同的相關利率，因而對於帳 戶持有者這是非常不易且耗時地決定他們的資金應該置放 在那兒’以便使必須付還給財務機構之資金減到最少，及/ 或可使由帳戶持有者所賺取之金錢增到最大。目前需要提 jit ’、種在一個或多個帳戶持有者的各種連結帳戶之間的管 =資金^錢純戶射者之職似最大化及/或使 八財務不便性減到最少。其同時需要提供-種管理在連結 帳戶之間資金的方法以改善或克服習知資金管理系統的一 個或多個缺點。 【智^明内容】 發明概要 20 帳戶^ 4點時，不㈣之—論點提供—種管理在連結 以及多2金的方法，該等連結帳戶包括多數個借貸帳戶 款或借練戶。财法㈣下》_ :接收進入存 扣該等^ 的存款資金；獻移動該存款資金以抵 個借貸帳戶中之借款以使該等多數個借贷帳戶 200912792 所支付之利息減到最少，高至該存款資金的第一預定限額 被移動進入一第一借貸帳戶及高至任何超過資金的第二預 定限額被移動進入一第二借貸帳戶，該第一與第二借貸帳 戶依據一個或多個預定資金分配準則被決定。 5 在本發明一個或多個實施例中，第一與第二預定額度 之一或兩者是一種未償貸款總額。另外地，第一與第二預 定額度之一或兩者可以是最大的轉帳最高限度。 該預定資金分配準則可包括一借貸帳戶是否仍在逾期 ί貝放中之指示。該方法可進一步地包括下列步驟：當兩個 10或更多個借貸帳戶是在逾期債款中時，則決定兩個或更多 個^曰貸帳戶將依據預定借貸設定準則被設定之順序。 邊預定資金分配準則可包括一借貸帳戶利率，該第一 仏貸帳戶將比第二借貸帳戶具有較高的利率。 該方法可進一步地包括下列步驟：一旦存款資金已被 移動以抵扣一個或多個未償貸款之借貸帳戶時，則移動其 餘貪金進入多數個存款帳戶以賺取最佳的利息該其餘資 金依據貝金分配準碰移動進人—個❹個存款帳戶。 '•亥貝金分配準則可包括一存款帳戶利率，其餘資金被 移動進入具有最高利率之存款帳戶。 20 ^ 該貝金分配準則可由一帳戶持有者被設定 ，例如，當 兩個帳戶具有相同利率時。 本發明之另-論點提供一種管理在連結帳戶之間資金 2方法，该等連結帳戶包括多數個借f帳戶以及多數個存 1帳戶。4方法包括下列步驟：將存款資金接收放入存款 200912792 或借貸帳戶之一；以及將該存款資金移動放入多數個存款 帳戶以賺取最佳之利息，該存款資金依據一個或多個預定 資金分配準則被移動進入該等存款帳戶之一。 該負金分配準則可包括一存款帳戶利率，該存款資金 5被移進具有最高利率之存款帳戶。 該方法可進—步地包括τ列轉：接收自料連結帳 戶之提取身金要求；將在所有連結帳戶中可供用的剩餘 資金加以口併，並且如果在所有連結帳戶中可供用的剩餘 貧金超出要求提取之資金數量，則登錄該要求。 10 錢取要求已被登錄之後，該方法可進-步地包括下 列步驟：將先前移動以抵扣借貸帳戶之資金送返存入被要 求取之帳戶。 另外地，在該要求已被登錄之後，該方法可進-步地 15 包括下列步驟：將先前移動進人最高利率之資金數量送返 存入被要求提取之帳戶。 名連，，帳戶可包括在—主設定檔之下被連接的一第〆 夕數個借$帳戶以及—第_多數個存款帳戶及在—子設定 標之下被連接的—第二多數個存款帳戶。在這案例中，該 °，步地包括下列步驟：將在子設定料款帳戶中 之存认貝金移動叫扣多數遍設定檔借錄戶中之借用 以使所付利息減到最少。 標存= =括下列步驟:接收自該等子就 戶中可供__^ =要求；將料子狀檔存款帳 、五《併’亚且如果該可供用的剩餘資 20 200912792 金中該等子設定播存款帳戶超出要求提取之資金數量 登錄該要求。 、 ^方法可進—步地包括下列步驟：純自該等主設定 ^用的取貧金之—要求；該將該主設定檔帳戶中可 (、用的-貝金合併；並且如果該等主設定檔帳戶中可供用的 剩餘^金超出要求提取資金數量，則登錄該要求。 悟戶及該子設定檔可以是有關於兩個不同的 帳戶持有者，或有關於相同帳戶持有者。 10 15 至二 地包括下列步驟:支付特別補助利息 至3亥專連結存款帳戶。 次八ΓΓ進—步之—論點是提供—管理在連結帳戶之間 -貝金的系統。„金管理纽包括—❹管利擎以及業 務處理糸統，該帳戶管理引擎包括導致該業務處理系统進 行如上所說明之一方法的一系列指令。 該帳戶管理引擎可包括多數個財務模組，各財務模组 可選擇性性地操作以進行該等連結帳戶上之財務作業。該 等財務作業旎可包括下列之任何一個 額合併、利息最優化'分享資金提^^目.可供所用之餘 …、刀旱貝金^欠、特別補助利息支付、 正常利心抵扣以及特別補助利息抵扣。 本發明另-論點是提供電腦軟體以供—管 戶之間資金的純中所使用。„金管理系統包括一= 管理引擎以及業務處理系統，該電腦軟體形成 帳戶管理體並Μ括-系狀指令叫致 = 統進行如上所述之方法。 研地里糸 20 200912792 圖式簡單說明 本發明接著將藉由參考展示本發明範例形式之附圖而 進—步詳細地被㈣。應了解，料圖式舰不能取代本 發明先前說明之一般性。 在圖式中： 第1圖是一資金管理系統實施例之分_; 第2圖是形成第1圖的資金管理系統之部份的-帳戶管 理引擎分解圖； 第3和4圖是利用第i圖資金管理系統所管理之設定槽 10結構連結帳戶的分解圖； 第5圖是展示利用以圖資金管理系統所管理之一範例 設定檔連結帳戶之選擇屬性的分解圖； 第6至9以及12至15圖是展示利用第旧資金管理系統 導致在連結帳戶之間的範例資金移動之資金移動圖式； 15第1G、U以及16至糊是展示第2圖帳戶f理引擎的各 種財務模組形成部份之操作的流程圖；以及 第21至23圖是第1圖資金管理系統之不同的電腦實作 操作環境的分解圖。 C貧施方式j 20較佳實施例之詳細說明 接著參看至第1圖，其-般展示供#理在客戶或帳戶持 有者的連結帳戶之間的資金之電腦化資金管理系制。該 等客戶或帳戶持有者可以是實際的人員或法定個體例 如，一公司。在這圖式t，範例帳戶12至】8被展示。這些 200912792 帳戶彼此各被連接並且所有的帳戶被保持在—個或多個客 戶20之名下中。一個或多個帳戶12至18可以是客戶債務帳 戶’例如，一資產借貸帳戶、一汽車借貸帳戶、一個人借 貸帳戶、一安全保證金融資帳戶、信用卡帳戶、抵押貸款 5帳戶或透支帳戶。各代表一個客戶債務的這些型式之帳戶 在此處被稱為一”貸款帳戶"。一個或多個帳戶12至18可以 疋客戶資產之代表，例如，一支票帳戶、一活期存款帳戶、 存款帳戶、定存帳戶、組合式存款以及證券賬戶。這些客 戶資產帳戶在處各被稱為"存款帳戶"。 10 在資金管理系統10中’存款被存進入及提取自業務處 理系統21。該業務處理系統21負責被保留在各帳戶12至18 中之> 金數量的確認、自帳戶12至18之資金存款或資金提 取以及在各帳戶12至18之間的資金移動。該業務處理系統 21包括存款業務處理邏輯22以及借貸業務處理邏輯23。借 15貸業務處理邏輯23所影響之業務包括借貸帳戶之借貸付 還、自借貸帳戶之額度增加、對借貸帳戶之利息抵扣、存 款餘額轉帳至借貸帳戶作為浮動餘額及自借貸帳戶之浮動 餘額提取。存款業務處理邏輯22所影響之業務包括支票兒 換、執行常備指示以及帳戶轉移。 20 该業務處理系統21在一帳戶管理引擎24控制之下操 作’第2圖將更詳細地展示。 §亥帳戶營理引擎24包括一系列的財務模組26至44，其 可選擇性地操作以進行連結帳戶12至18上的各種財務作 業。—資金管理單元46依據資金分配準則48以及使用者設 11 200912792 定檔50導致各機能單元26至44的選擇致動。使用者設定樓 5〇保留對於具有連結帳戶之一個或多個客戶2〇的各者之一 系列設定檔特性52至56。帳戶管理引擎24同時也包括一利 率表58，其記錄在資金提取或資金存進各帳戶以至“之前 5將支付或將賺取之利息。 該第一財務模組26將所有連結帳戶12至18中可供用的 剩餘資金予以合併。第二財務模組28提供一分享提款功能 乂 &理自連結帳戶12至18之資金的提取，高至利用模組26 決定該合併之可供用餘額的數量。一利息最優化模組3〇作 1〇用以移動置放於該連結存款帳戶中之存款資金以使賺取之 利息最佳化或使一帳戶持有者所支付的利息減到最少。這 機月b以兩種方式被引動，第一方式利用一"特別補助”模組 42被控制，於其中存款餘額在存款帳戶之間被移動，並且 15第—方式利用一"轉帳”模組44被控制，於其中存款餘額在 5存款和借貸帳戶之中被移動。 進一步的模組32控制該方式，於其中連結存款帳戶 中所賺取之正常利息抵扣被連結至那些存款帳戶之借貸帳 $斤未償貸款的餘額。一特別補助利息模組36決定最高標 20 2利息上所賺取之另外的或特別補助利息作為具有連接一 _ 帳戶的酬員。該特別補助利息抵扣模組4〇決定以何 姓x ，使用將其中所賺取之特別補助利息以抵扣該被連 。的借貸帳戶。—被轉帳之金額返回模組34決定條件，其 、字已被使用以抵扣該借貸帳戶的資金放回該資金原始地 被置故的存款帳戶中。 12 200912792 使用者設定檔50定義—結構，其接著將參考第3至5圖 被說明。如在第3圖中所見…主設^_以及—個或多個 子叹疋檔，此處指示為62至66，可以被保留以供用於具有 連結帳戶70至84之-個或多個客戶68。該主設定檔以及子 5設定槽可以是關於不同的帳戶持有者，或另外地可以是關 於相同帳戶持有者。在這範例組態中，該主設定樓連結 帳戶70至76。-個或多個這些帳戶可以是存款帳戶並且一 個或多個這些帳戶可以是借貸帳戶。該子設定檔62和64分 別地疋義單一存款帳戶78和8〇。該子設定檔66連結兩個存 1〇款帳82和84。在一個或多個實施例中，該等子設定檔62至 66各可以疋關於主设定槽客戶之一個或多個分別的客 戶例如，s亥子设定檔62至66可被保留在主設定檔6〇所保 留之主客戶68的家族成員名下中。 該連結帳戶包括被連接在一主設定檔之下的一第一多 15數個借貸帳戶以及一第一多數個存款帳戶以及被連接在— 子設定檔之下的一第二多數個存款帳戶。在這結構中，在 該等子設定檔存款帳戶中之存款資金被移動以抵扣該等多 數個主設定檔之借貸帳戶中的借用以使所支付之利 息減到 最少。當自該等子設定檔存款帳戶之一提取資金的要求被 2〇接收時，该等子設定檔存款帳戶中可供用的剩餘資金被合 併，並且如果該等子設定檔存款帳戶中可供用的剩餘資金 超出被要求提取之資金數量，則該要求被登錄 。同樣地， 當需自該等主設定檔帳戶之—提取資金的要求時；則該等 主設定植帳戶中可供用的剩餘資金被合併，並且如果該等 13 200912792 主設定檔帳戶巾可供用的剩餘資金超出要求提取之資金數 Ϊ ’則该要求被登錄。 這設定檔結構使得在各設定檔或子設定檔之下的資金 被區分。以此方式’已被提供至列表在一設定檔或子設定 5檔之下一群帳戶的資金可被使用，例如，抵扣另一設定檔 中之借用’但是可取回存入該原來的設定檔而不必與其他 設定標或子設定檔之資金混和。 一些不同的設定檔可以被保留以供用於具有連結帳戶 的一個或多個客戶。如於第4圖之展示，一個或多個客戶可 10以具有被保留在一財務機構之内的四個帳戶88至94。一第 一主設定檔96可被保留以供用於一主帳戶持有者。一子設 定檔98可被保留以供用於關於兩個存款帳戶1〇〇和1〇2之主 帳戶持有者的一家族成員。在這範例中，帳戶88和9〇是借 貸帳戶而帳戶92和94是存款帳戶◦主設定檔96以及子設定 15樓98 ’在這範例中，確定存款帳戶100和102中之帳戶餘額 被移動或”轉帳”進入該主設定檔之借貸帳戶88和9〇，因而 該主帳戶持有者可自被儲存在家族成員存款帳戶100和102 中之利息得益以抵扣必須在借貸帳戶88和9〇中支付的利 息。因此，可明白該主設定檔96以及子設定檔98導致該資 20金官理單兀46選擇性地制定該等連結帳戶88至94以及1〇〇 至102官理中之可供用餘額合併模組26、共用提款模組28以 及和心最優化模組3〇。在這選擇中，，，轉帳,，模組利用該 利息最優化模組3〇被運作。 但是’進-步的-主設定檔104同時也可被保留以供用 200912792 於相同的主客戶。在這範例中，該主設定擋ι〇4連結借贷帳 戶祕和108至存款帳戶11()和112。這主設定標刚可導致該 資金管理單元46選擇性地操作該特別補助利息模組％因而 決定的利諸支付賴存錄戶及m作為這些被連 5 接的帳戶之酬賞。 同時另一主設定檔114可被定義以供用於另外的借貸 帳戶116和U8以及存款帳戶12〇和122。在這範例中一子 設定標m被建找供用於該主客戶之—家族成員並且將 兩個存款帳戶126和128彼此連結並且連結至帳戶116至 10 122。該主設《114和该找12得_資好理單元46 選擇性地致動可供用餘額合併模組26、共用提款模組舰 及利息最優化模組30，因而被存入該存款帳戶126和128之 存款被使用以抵扣借貸帳戶116和118中所欠的資金。 錢用者设定槽50包括被資金管理單元46所使用之一 15些設定檔特性以管理其内之資金並且控制在各種連結帳戶 之間的貝金移動。轉帳指示52、轉帳最高限度54以及轉帳. 返回準則56之設定播特性的範例型式被展示在第2圖中。透 過實例’第5圖展示-範例組態’於其中一主設定標13〇和 子設定檔140至144被建立以供用於一個或多個客戶138。 20 該主設定檔130將借貸帳戶146和148與存款帳戶150和 152予以連結。子設定檔14〇連結存款帳戶154和156。子設 定檔142包括存款帳户158，而該子設定檔144包括一存款帳 戶160。該主設定檔130和子設定檔14〇至丨44確定存入存款 帳戶154至160之存款被”轉帳”進入該主設定檔帳戶中。亦 15 200912792 即’被存進該存款帳戶^至⑽之存款被使用以抵扣借資 帳戶146至148中所欠之未償貸款金額。 該轉帳指示52，其是自該存款帳戶154至16〇被"轉帳” 進入該借貸帳戶146至148的資金藉由分別地與子設定槽 5 140至144相關的轉帳指示特性162、164以及166被定義之^ 示。在這範例中，這些轉帳指示特性確定，在存款帳户^ 中可供用的資金首先被轉帳進入該借貸帳戶146至148，接 著是被存放在存款帳戶！54和156中的可供用金額並且接 著最後是被存放在存款帳戶158中的可供”金。在任何主 10設定檔之下被定義之可被轉帳進入該借貸帳戶的金錢數量 可利用-轉帳最高限度限制特性5 4被限制。在第5圖展示之 範例中，一最大轉帳最高限度特性168設定借貸帳戶146之 金額在70個百分比（或$1百萬）。 —使用者設定檔50同時也可包括一轉帳返回準則56以 15決定何時轉帳進入-未償貸款借資帳戶以抵扣該帳戶中支 付之利息的貢金將被返回至其中該資金被車專帳的存款帳戶 中。因此’第5圖中’主設定檔13〇包括一浮動金額之返回、 或時限碼、特性以定義-預定借貸逾期債款時限，超出該 時限，已被轉帳進入該借貸帳戶之資金將被返回至原來的 20 存款帳戶。 可了解，在定義資金可於其中被管理或在一主設定檔 及/或各種相關之子設定檔中的各連接帳戶之間被移動之 方式的各種其他設定檔特性可在製資金管理系統1〇之其他 實作例中被定義。接著將參考第6至2〇圖說明各種財務功能 16 200912792 模組26至44之操作。第6圖展示一範例主設定檔172，其連 結貸款帳戶174和176、一個人借貸帳户178、一透支帳戶180 以及存款帳戶182和184。一子設定檔186將存款帳戶188和 190彼此連結並且連結至帳戶174至184。如第6圖所指示， 5各帳戶具有一利率，對於存款帳戶與個人借貸帳戶178之利 率是在0%至8%之間變化。 第7至9圖展示在主設定檔172和子設定播186引發可供 用餘額合併模組2 6和利息最優化模組3 〇之選擇作業情況中 在各種帳戶174至190之間的資金移動。首先，該可供用的 10餘額合併模組26將在主設定檔172之内的存款帳戶182和 184中可供用的資金餘額予以合併。存款帳戶182具有 $5,000之未償貸款餘額，因而存款帳戶具有一未償貸款餘 額$70,000 ’導致一總合併的總餘額為$75,〇〇〇。雖然不被展 示在第6至9圖所展示的情況中，如果任何借贷帳戶是在逾 15期債款中’則存款帳戶所合併之可供用的餘額將首先被使 用以配合那些逾期債款，並且任何超出資金接著將被使用 以抵扣其餘的借貸帳戶。 但是，在這範例中，資金自存款帳戶182和184被轉帳 進入具有最高利率之借貸帳戶，亦即，個人借贷帳戶⑺。 20因此，在步驟194中，首先自存款帳戶182將$5,000轉帳進 入個人借貸帳戶178，並且接著在步驟196，將自存款帳戶 184轉帳$5_進人個人借貸帳戶178。接著該個人借贷帳 戶之未償貸款餘額是零，接著進一步的$50,000將自存款帳 戶184被轉帳進入具有次高利息帳戶之借貸帳戶，亦即，具 17 200912792 有利率7%之透支帳戶1 198。存款幡戶184Φ甘从 存款帳^184 +其餘切《餘賴5刻接著被轉帳 進入具有次高利率之借貸帳戶The present invention is generally directed to a computerized system for fund management, and more particularly to a fundability system that can be linked between financial accounts under one or more account holder names. The present invention is suitable for use in a computerized system maintained by banks and other financial institutions that represent their customers, and is not limited by the non-limiting related examples of the present invention. Traditionally, banks maintain a computer system in which one or more accounts for separate customers or account holders can be maintained. In order to manage the financial operations of each account holder, multiple types of accounts may be required, such as a capital account, an overdraft account, a demand deposit, and a deposit account. Mortgage 15 loans and overdraft accounts are maintained so that account holders can borrow money from the bank' and thus the deposit account and demand deposits enable an account holder to place funds at the bank and earn interest on those funds. An interest rate is associated with each account, that is, an interest rate that determines the sum of the extra money that must be paid by the customer borrowing the funds from the bank, or the rate at which the customer placing the funds in the bank touches (4) the meal amount. Help account holders manage their various accounts in a financially advantageous manner 7 trials are conducted. For example, some computers (4) have recently been introduced as a kind of deductible loan function, which was promoted. ^ Talk about placing funds in the deposit account t is deducted from the total deposit in a related account. And the interest earned on #录户5 200912792 is deducted from the interest payable on the loan account. The interest earned on the deposit account is usually the same interest rate as the interest payable on the loan account. This deductible loan function minimizes the loss of interest that must be paid by the account holder of the loan account and simplifies the management of the account holder's two or five accounts. 10 15 However, many account holders maintain multiple types of accounts in a financial institution. These accounts include asset lending accounts, personal lending accounts 'credit card accounts, overdraft accounts, loan accounts, checking accounts, deposit accounts, and deferred deposits. These accounts may have different interest rates, so it is very difficult and time-consuming for account holders to decide where their funds should be placed' to minimize the funds that must be paid back to the financial institution, and/or Increase the amount of money earned by account holders to the maximum. There is currently a need to mention jit ’, the kind of management between the various linked accounts of one or more account holders. The role of funds should be maximized and/or the financial inconvenience should be minimized. It also needs to provide a means of managing funds between linked accounts to improve or overcome one or more of the shortcomings of the conventional fund management system. [Intelligent content] Summary of invention 20 Account ^ 4 points, not (four) - arguments provide a way to manage the connection and more than 2 gold, these linked accounts include most of the loan account or borrower. Under the financial law (4), _: accept deposit funds that enter the deposit and deduction; deposit the deposit funds to offset the borrowings in the borrowing account to minimize the interest paid by the majority of the borrowing accounts 200912792, up to the maximum The first predetermined limit of the deposit funds is moved into a first lending account and up to any second predetermined limit exceeding the funds is moved into a second lending account, the first and second lending accounts being based on one or more reservations The criteria for fund allocation are determined. In one or more embodiments of the invention, one or both of the first and second predetermined amounts are a total outstanding loan amount. Additionally, one or both of the first and second predetermined levels may be the maximum transfer ceiling. The predetermined funding allocation criteria may include an indication of whether the loan account is still overdue. The method may further comprise the step of determining when two or more of the lending accounts are in overdue debts, then determining the order in which the two or more credit accounts are to be set according to the predetermined lending setting criteria. The predetermined fund allocation criteria may include a lending account rate, and the first lending account will have a higher interest rate than the second lending account. The method may further comprise the steps of: once the deposit funds have been moved to offset one or more of the outstanding loan accounts, then move the remaining greed into the majority of the deposit accounts to earn the best interest. According to Bekin's allocation, the driver will move into a person--a deposit account. The '•Haibeijin allocation criteria can include a deposit account rate, and the remaining funds are moved into the deposit account with the highest interest rate. 20 ^ The Begin allocation criteria can be set by an account holder, for example, when both accounts have the same interest rate. Another aspect of the present invention provides a method of managing funds between linked accounts, including a plurality of l-accounts and a majority of deposits. The method comprises the steps of: depositing deposit funds into one of the deposits 200912792 or a lending account; and moving the deposit funds into a plurality of deposit accounts to earn the best interest, the deposit funds being based on one or more predetermined funds The allocation criteria are moved into one of the deposit accounts. The negative gold allocation criteria may include a deposit account rate, which is moved into the deposit account with the highest interest rate. The method may further include a τ column transfer: receiving a withdrawal requirement for the self-linking account; appending the remaining funds available in all linked accounts, and remaining surplus if available in all linked accounts If the amount of funds exceeds the amount of funds requested, log in to the request. After the money request has been logged in, the method can further include the following steps: returning the funds previously moved to offset the loan account to the account to be requested. Alternatively, after the request has been logged in, the method can further include the steps of: returning the amount of funds previously moved into the highest interest rate to the account requested to be withdrawn. In the name, the account may include a number of first-day borrowed accounts that are connected under the master profile, and - a majority of the deposit accounts and are connected under the - sub-settings - the second majority Deposit accounts. In this case, the step includes the following steps: the deposit of the deposit in the sub-settings account is debited in the majority of the profile borrowing households to minimize the interest paid. The standard storage = = includes the following steps: receiving from the class, the __^ = request is available in the household; the deposit account of the material file, the five "and" and if the remaining capital available for use 20 200912792 The sub-setcast deposit account exceeds the amount of funds requested to be logged into the request. The method may further include the following steps: purely from the primary settings - the depleted gold-required; the primary profile account may be (or used - begin merge; and if so If the remaining amount of money available in the main profile account exceeds the required amount of funds to be withdrawn, the request is logged in. The Wuhu and the sub-profile can be related to two different account holders or to the same account holder. 10 15 to 2 includes the following steps: paying the special subsidy interest to the 3 Hai special connection deposit account. The next eight advances - the step - the argument is to provide - manage the system between the linked accounts - Bekin. Including - the engine and the business process, the account management engine includes a series of instructions that cause the business processing system to perform one of the methods described above. The account management engine may include a plurality of financial modules, each financial module Optionally operable to perform financial operations on such linked accounts. Such financial operations may include any of the following mergers, interest optimization, and sharing of funds. In addition, the knife, the scallops, the owed, the special subsidy interest payment, the normal interest deduction and the special subsidy interest deduction. The invention is also based on the provision of computer software for the pure use of funds between the households. „The gold management system includes a = management engine and a business processing system. The computer software forms an account management body and includes a system command to call the system as described above. 地地里糸20 200912792 Schematic description The invention will in turn be further described in detail by reference to the accompanying drawings in which exemplary embodiments of the invention are illustrated. It should be understood that the drawings are not intended to replace the generality of the invention as described herein. A part of the fund management system embodiment _; Figure 2 is an exploded view of the account management engine forming part of the money management system of Figure 1; Figures 3 and 4 are settings managed by the fund management system of the i-th figure An exploded view of the slot 10 structure linking account; Figure 5 is an exploded view showing the selection attributes of the linked account using one of the example profiles managed by the fund management system; Figures 6 through 9 and 12 through 15 are shown The use of the old fund management system results in a capital movement pattern of sample funds movement between linked accounts; 15 1G, U, and 16 to paste are the operations of displaying various financial module forming parts of the account management engine of FIG. Flowchart; and Figures 21 through 23 are exploded views of different computer implemented operating environments of the money management system of Figure 1. Detailed Description of the Preferred Embodiments of the Lean Embodiment j 20 Referring to Figure 1, A computerized money management system that provides funds between the customer or account holder's linked accounts. The customer or account holder may be an actual person or a legal entity such as a company. This figure t, example accounts 12 to 8 are shown. These 200912792 accounts are connected to each other and all accounts are kept under the name of one or more customers 20. The one or more accounts 12 through 18 may be customer debt accounts 'e.g., an asset lending account, a car lending account, a lender account, a security margin financing account, a credit card account, a mortgage 5 account, or an overdraft account. These types of accounts representing each customer debt are referred to herein as a "loan account". One or more accounts 12 through 18 may represent a customer asset, for example, a checking account, a current account, or a deposit Accounts, deposit accounts, combined deposits, and securities accounts. These customer asset accounts are each referred to as "deposit accounts". 10 In the money management system 10, deposits are deposited and extracted from the business processing system 21. The business processing system 21 is responsible for the confirmation of the amount of gold retained in each of the accounts 12 to 18, the deposit of funds or funds from the accounts 12 to 18, and the movement of funds between the accounts 12 to 18. The system 21 includes deposit business processing logic 22 and lending business processing logic 23. The business affected by the 15 credit business processing logic 23 includes loan repayment of the loan account, an increase in the amount of the loan account, interest deduction for the loan account, and deposit. The balance is transferred to the loan account as a floating balance and the floating balance from the borrowing account is extracted. The business affected by the deposit business processing logic 22 This includes cheque replacement, execution of standing instructions, and account transfer. 20 The business processing system 21 operates under the control of an account management engine 24, which will be shown in more detail in Figure 2. The account management engine 24 includes a series of finances. Modules 26 through 44, which are selectively operable to perform various financial operations on the linked accounts 12 through 18. - The funds management unit 46 causes the various functional units 26 to be based on the funds allocation criteria 48 and the user settings 11 200912792. The selection of 44 is actuated. The user setting floor 5 keeps a series of profile characteristics 52 to 56 for each of the one or more customers who have linked accounts. The account management engine 24 also includes an interest rate table 58, It is recorded in the withdrawal of funds or funds deposited into each account up to "the interest that will be paid or will be earned before 5". The first financial module 26 merges the remaining funds available for all of the linked accounts 12 through 18. The second financial module 28 provides a share withdrawal function 乂 & the extraction of funds from the linked accounts 12 to 18, up to the use of the module 26 to determine the number of available balances for the merger. An interest optimization module 3 is used to move the deposit funds placed in the linked deposit account to optimize the earned interest or to minimize the interest paid by an account holder. This machine b is motivated in two ways. The first mode is controlled by a "special assistance" module 42, in which the deposit balance is moved between deposit accounts, and the 15th mode utilizes a "transfer" The module 44 is controlled in which the deposit balance is moved among the 5 deposit and loan accounts. Further module 32 controls the method in which the normal interest deductions earned in the linked deposit account are linked to the balance of the loan account of the deposit account. A special subsidy interest module 36 determines the additional or special subsidy interest earned on the highest bid 20 2 as a payee with a linked account. The special subsidy interest deduction module 4 determines the surname x and uses the special subsidy interest earned therein to deduct the connected. Loan account. - The transferred amount return module 34 determines the condition that the word has been used to offset the funds in the loan account and put back into the deposit account in which the funds were originally placed. 12 200912792 User Profile 50 Definition - Structure, which will be described later with reference to Figures 3 through 5. As seen in FIG. 3, the primary device ^_ and one or more child squat files, indicated here as 62 through 66, may be reserved for use with one or more clients 68 having linked accounts 70-84. . The primary profile and the sub-set slot may be for different account holders or may additionally be for the same account holder. In this example configuration, the main setup building links accounts 70 through 76. One or more of these accounts may be deposit accounts and one or more of these accounts may be debit accounts. The sub-profiles 62 and 64 respectively disambiguate the single deposit accounts 78 and 8〇. The sub-profile 66 links the two deposits 82 and 84. In one or more embodiments, the sub-profiles 62-66 can each be associated with one or more separate customers of the main set slot customer, for example, the s-child profiles 62-66 can be retained in the main settings. The name of the family member of the main customer 68 retained by the file 6 is under the name. The linked account includes a first plurality of 15 loan accounts connected to a primary profile and a first plurality of deposit accounts and a second majority deposit connected to the profile. account. In this configuration, the deposit funds in the sub-profile deposit accounts are moved to offset the borrowings in the lending accounts of the plurality of primary profiles to minimize the interest paid. When the request to withdraw funds from one of the sub-profile deposit accounts is received, the remaining funds available in the sub-profile deposit accounts are merged and if available in the sub-profile deposit accounts If the remaining funds exceed the amount of funds requested to be withdrawn, the request is logged. Similarly, when the requirements for withdrawing funds from the master profile accounts are required; then the remaining funds available in the master settings account are merged, and if the 13 200912792 master profile account is available The remaining funds exceed the number of funds requested to be Ϊ 'The request is logged in. This profile structure allows funds to be distinguished under each profile or subprofile. In this way, funds that have been provided to a list of accounts under a profile or sub-set of 5 can be used, for example, to debit borrowing from another profile' but can be retrieved into the original settings. File does not have to be mixed with funds for other settings or sub-profiles. A number of different profiles can be reserved for use with one or more customers with linked accounts. As shown in Figure 4, one or more customers may have four accounts 88 through 94 that are retained within a financial institution. A first primary profile 96 can be reserved for use by a primary account holder. A child profile 98 can be reserved for use by a family member regarding the primary account holders of the two deposit accounts 1〇〇 and 1〇2. In this example, accounts 88 and 9 are debit accounts and accounts 92 and 94 are deposit accounts ◦ master profile 96 and sub-set 15 floor 98'. In this example, it is determined that account balances in deposit accounts 100 and 102 are moved. Or "transfer" into the lending accounts 88 and 9 of the main profile, so that the primary account holder can benefit from the interest earned in the family member deposit accounts 100 and 102 to deduct the must be in the lending account 88 and Interest paid in 9〇. Thus, it can be appreciated that the primary profile 96 and the secondary profile 98 result in the provisioning of the linked accounts 88 to 94 and the available balance consolidation modules 26 in the government of the ports 102 to 94. , the common withdrawal module 28 and the heart optimization module 3〇. In this selection, the transfer, the module is operated using the interest optimization module 3〇. However, the 'advanced-master profile 104' can also be reserved for use by the same primary customer at 200912792. In this example, the main setting block 4 links the debit account secret and 108 to the deposit accounts 11() and 112. This primary setting may result in the funds management unit 46 selectively operating the special assistance interest module % and thus deciding to pay for the deposits and m as the reward for these connected accounts. At the same time, another master profile 114 can be defined for use with additional lending accounts 116 and U8 and deposit accounts 12A and 122. In this example a sub-set m is created for the family member of the primary customer and the two deposit accounts 126 and 128 are linked to each other and to the accounts 116 to 10 122. The main design "114 and the search 12" selectively activates the available balance consolidation module 26, the shared withdrawal module ship and the interest optimization module 30, and is thus deposited in the deposit account. Deposits of 126 and 128 are used to offset the funds owed in the borrowing accounts 116 and 118. The money user setting slot 50 includes one of the profile characteristics used by the money management unit 46 to manage funds therein and control the movement of the benkin between the various linked accounts. Transfer instructions 52, transfer ceilings 54, and transfers. An example of the setcast characteristics of the return criteria 56 is shown in FIG. Through one of the examples 'Figure 5 - Example Configuration', one of the primary settings 13 〇 and the sub-profiles 140 to 144 are established for use with one or more clients 138. The master profile 130 links the loan accounts 146 and 148 with the deposit accounts 150 and 152. The sub-profile 14 links the deposit accounts 154 and 156. Sub-profile 142 includes deposit account 158, and sub-profile 144 includes a deposit account 160. The primary profile 130 and the secondary profiles 14A through 44 determine that the deposit deposited into the deposit accounts 154-160 is "transferred" into the primary profile account. Also 15 200912792 ie deposits deposited into the deposit account ^ to (10) are used to offset the outstanding loan amount owed in the borrowing accounts 146 to 148. The transfer instruction 52, which is the funds from the deposit accounts 154 to 16 that are "transferred" into the loan accounts 146-148, by the transfer indication characteristics 162, 164 associated with the sub-set slots 5 140 through 144, respectively. 166 is defined. In this example, these transfer indication characteristics determine that funds available in the deposit account ^ are first transferred to the loan account 146 to 148, and then deposited in the deposit accounts! 54 and 156. The available amount in the middle and then finally the available "gold" in the deposit account 158. The amount of money defined under any master 10 profile that can be transferred into the loan account is available. The transfer-maximum limit feature 5 is limited. In the example shown in Figure 5, a maximum transfer maximum feature 168 sets the amount of the loan account 146 to 70 percent (or $1 million). - User Profile 50 may also include a Transfer Return Criteria 56 to determine when the transfer is made to - the outstanding loan borrowing account to offset the interest paid in the account will be returned to the fund where the funds are Account in the deposit account. Therefore, the 'main profile 13' in Figure 5 includes a return of a floating amount, or a time limit code, a characteristic to define a time limit for the scheduled overdue debt, beyond which the funds that have been transferred into the loan account will be returned. To the original 20 deposit account. It will be appreciated that various other profile characteristics in the manner in which funds are defined to be managed between them or managed in a master profile and/or various associated sub-profiles may be available in the fund management system. Other implementations are defined. Next, the operation of the various financial functions 16 200912792 modules 26 to 44 will be described with reference to FIGS. 6 to 2 . Figure 6 shows an example master profile 172 that links loan accounts 174 and 176, a person lending account 178, an overdraft account 180, and deposit accounts 182 and 184. A sub-profile 186 links deposit accounts 188 and 190 to each other and to accounts 174-184. As indicated in Figure 6, each account has an interest rate, and the interest rate for the deposit account and personal loan account 178 varies between 0% and 8%. Figures 7 through 9 show the movement of funds between the various accounts 174 through 190 in the selection operation of the available balance merge module 26 and the interest optimization module 3 in the primary profile 172 and the child profile 186. First, the available 10 balance consolidation module 26 merges the funds balances available in deposit accounts 182 and 184 within the primary profile 172. Deposit account 182 has a outstanding loan balance of $5,000, so the deposit account has an outstanding loan balance of $70,000' resulting in a total consolidated balance of $75, 〇〇〇. Although not shown in the cases shown in Figures 6 to 9, if any of the loan accounts are in more than 15 debts, then the balance of the deposit account's available balance will be used first to match those overdue debts. And any excess funds will then be used to deduct the remaining lending accounts. However, in this example, funds from deposit accounts 182 and 184 are transferred to the lending account with the highest interest rate, i.e., the personal lending account (7). Thus, in step 194, a $5,000 transfer is first made to the personal lending account 178 from the deposit account 182, and then at step 196, the self-deposit account 184 is transferred $5_ into the personal lending account 178. The outstanding loan balance of the personal lending account is then zero, and then a further $50,000 will be transferred from the deposit account 184 to the lending account with the second highest interest account, i.e., 17 200912792 overdraft account with an interest rate of 7%. Deposit Seto 184Φ Gan from the deposit account ^ 184 + the rest cut "Yu Lai 5 then transferred to enter the loan account with the second highest interest rate
。這步驟將參考第8圖中之步驟 的那些帳至184之内的刊息最優化模組蹄減到最 少。在這範例中’雖然存款帳戶⑽和19〇，其可以是在關 於主客戶192之家族成員名下中，同時也可以被轉帳進入借 H)貸帳戶m至⑽，叹進—步地使主要客戶192所支付的利 息減到最少。在這範例中，具有子設定檔186之下的存款帳 戶’亦即存款帳戶190 ’之最低利息的未償貸款餘額 $50,000，在步驟202中，首先被轉帳進人該貸款帳戶176。 在步驟204，存款帳戶188中可供用的一部份的資金接著被 15使用以抵扣貸款帳户176令之其餘未償貸款餘額。在步驟 206，存款帳戶188中之其餘資金接著被使用以抵扣其餘的 貸款帳戶174。 自月ό所述可知，啟始地存款資金被接收存入存款或借 貸帳戶之一。該存款資金接著被移動以抵扣在該借貸帳戶 20中之借款以使該等多數個借貸帳戶中之利息支付減到最 少。高至該存款資金之一第一預定限制被移動進入一第一 借貸帳戶及高至任何超出資金之一第二預定限制被移動進 入一第二借貸帳戶。第一與第二借貸帳戶依據預定資金分 配準則被決定。該預定限制可以是一未償貸款借貸總額、 18 200912792 一最大抵扣最高限度或其他適當的限制。該預定資金分配 準則可包括關於一借貸帳戶是否在逾期債款中、一借貸帳 戶利率（該第一借貸帳戶比第二借貸帳戶具有較高利率）或 其他適當的準則之指示。 5 一旦存款資金已被移動以抵扣一個或多個未償貸款借 貸帳戶，則其餘資金可被移動進入該等多數個存款帳戶以 使賺取之利息最佳化。該其餘資金接著可依據該資金分配 準則被移動進入一個或多個存款帳戶。 當一提取資金要求被達成時’在該要求已被登錄之 10後，資金被移動以抵扣借貸帳戶中之借款以使利息之支付 減到最少。高至該存款資金之一第一預定限額被移動進入 該第一借貸帳戶且高至任何超過資金之一第二預定限額被 移動進入該第二借貸帳戶。該第一與第二借貸帳戶依據預 定資金分配準則被決定。 15 上述關於第6至9圖之處理程序一般在第1〇圖中被展 示。這圖形展示範例借貸帳戶2〇8和210以及存款帳戶212至 216。各借貸帳戶208和210以及存款帳戶212至216在一共用 主設定檔之下被連結。在步驟218，存款帳戶m至216中可 供用的餘額被合併。 20 在步驟220，餘額信貸準備金被進行。在這作業中，帳 戶管理引擎24使用該合併之餘額以涵蓋一存款帳戶中任何 未被授榷的借貸差額以避免任何借贷利息被索取或涵蓋連 結借貸帳戶之任何逾期債款餘額。再次地，這使借贷客戶 將支付之利4索取減到最少或使違法行為，，不良”狀態減到 19 200912792 最少。 在步驟222，關於4 債款中之狀被進行Μ之借貸❹娜或21G是否在逾期 之合併的可供用餘韻之如果是，則來自存款帳戶212至216 期債款中之借貸。1供用資金將被使用以如期償付逾 如Γ4Γ固或更多個借貸帳戶在逾期債款中，則悟戶 管理引擎24決定一川 ⑷帳戶 «定。其中該借㈣戶之軸債款將 被疋序可利用借貸設定準則被決定’例如，如 10 債款逾期日期、借貸未償貸款金額、逾期債款餘額、^ 二::序以及借貸利率15該借貸設定準則可以是使用者 在步驟24關於超出之合併資金是否可供所用的 被進仃士口果κ ’這些超出資金將被使用以抵扣—未 矛Μ曰貸帳彳在步驟228，如果超出資金仍然被判定為可供 15用的，一旦借貸逾期債款已確定並且借貸抵扣已被應用了 則在步驟230這些超出資金將被移動至支付最高利率 款帳戶。 + 第11圖展不當資金自帳戶208至216被提取之時，當相 同財務功能模組在考慮中的使用者設定檔控制之下由資金 2〇管理單元運作時的-般處理程序。在要求自該等連結帳戶 之一提取資金之後，資金被移動進入該等存款帳戶以使賺 取之利息最佳化。該其餘資金依據預定資金分配準則被移 動進入該等存款帳戶之一。 供提取之可供用資金可包括一置入之存款金額以及已 20 200912792 自被減低的抵押貸款借貸本金被省下之利息金額。這利用 下面的範例被展示。因為該存款將抵扣借資本金，每月借 S利息被省下。除了存放在帳户的款項之外’被省下之利 息將成為可供主設定檔提取的限額。 5 在第11圖展示之範例中，在步驟232，資金被要求自範 例存款帳戶228中提取。在步驟234，關於要求之金額是否 較大於來自存款帳戶212至216之合併的可供用餘額之決定 被進行。如果該要求提取之金額是較大於該合併之可供用 餘額，則在步驟236該業務被拒絕。否則，在步驟236，該 1〇要求提取之金額自所聚集之可供用的餘額中以及自活期存 款餘額中被減除。 只丨队厂济瑚仔款帳戶餘 額將為零。每當有提取時’職存款餘額將成為負的(借贷 15 20 差額）。心—帳戶是在借貸差射，該存款業務處理^統 22將收取借㈣息。為了使客戶被錄/支付之利 化，該差額信貸準備金將在步驟238被實行，复“、 人碰> k /、將5式圖自該 &併之帳戶餘額找到資金以足夠支付該 Λ. ^ Μ左領，因而骑 '…借^利息被索取。為了執行差額信貸準備金，在㈣ MO，系統將首先使用剩下的合併餘額，如果有的节 這存在，其將被使用以足夠支付該借貸差額，亦即 金額在借貸差額帳戶中並且在步驟242 /人^ 扣除相同金額。 自料併餘額中 在使用高至所有合併的餘額之後，如果在步驟2 …有逾期債款/借貸差額’則在步驟挪中，系統將使用貸 21 200912792 π人之可供㈣預置安全限額(pSL)，增加該借貸未償贷款差 額。4PSL疋細㈣借贷差額㈣以及實際借·額安排 之間的差額’亦即’由於轉帳而被增加的借貸錢削減。 在差額彳。貸準備金完成之後，如果在步驟248仍然有借 七差額&執逾期債款情況發生，則在步驟25G，系統將照 例地在存錄戶中索取借貸利息或在借龍戶巾索取晚付 索費。先前被轉帳以抵扣借貸帳戶借款之資金被返回存入 被要求提取之帳戶，如果該帳戶被使用於可供用餘額的合 併。 1〇 第12圖展示連結貸款帳戶254、透支帳戶256以及借資 明細存款帳戶258之主設定檔252範例。一子設定檔260將借 贷明細存款帳戶262和活期存款264彼此連結並且連結帳戶 254至258。這圖形展示帳戶管理引擎24之分享提款模組烈 和可供用餘額合併模組26的運作。 15 該共用提款模組28管理，如被該可供用餘額合併模組 26決定，自該合併可供用餘額之内的連結帳戶之資金提 取。藉由平衡在連結帳戶内之資金，一客戶通常可避免來 自連結帳戶被維護的機構之額外的借用。在該分享提款功 能中，所有淨得的資金是可供該等連結帳戶之客戶自該等 2〇帳戶之任何一個提取。第12圖展示一案例，於其中$2〇〇〇被 要求自利用子設定檔260連接的兩個存款帳戶中之—個提 取。在這案例中，$2〇〇〇被要求自活期存款264提取。於該 提取蝻’在借貸明細存款帳戶262和活期存款264兩者中之 活期存款餘額是零，而來自任—帳戶（被合併）之可供用的餘 22 200912792 額是$2500。當要求自該活期存款264提取$2000時，來自任 一帳戶之可供用的餘額自$2500被降低至$500。 第13圖提供自利用子設定檔260連接的存款帳戶中之 一提取$2000後之進一步的範例，接著形成一要求以自透支 5 帳戶256提取$21000。可在第13圖中看見，在這提取被達成 之後’來自透支帳戶256和借貸明細存款帳戶258之可供用 餘額自$25000被降低至$4000。換言之，在第12和13圖中所 指示對於該等帳戶之任一個的可供用餘額是所有利用主設 定檔252或子設定檔260任一者被連接的帳戶可用的聚集可 10 供用餘額供之表示。 第14圖展示進一步的一範例，於其中-在自透支帳戶 265提取$21000之後-另外的$1500被要求自主設定檔252中 提取。在這情況中，可以看見，在透支帳戶256和借貸明細 存款帳戶258之任一帳戶中的可供用餘額在提取被達成之 15 後被降低至$2500。 第15圖展示利用帳戶管理引擎24維護之轉帳最高限度 54的範例。在所展示之範例，一主設定槽270和相關之子設 定檔272至276被建立以供用於一主客戶278。主設定檀270 連結存款和借資帳戶280至286,子設定檔272連結存款帳戶 20 288和290，分別地連結存款帳戶292和294至主設定檔中之 其餘帳戶。在這圖形中’主設定檔270中之存款帳戶282至 286是存款帳戶。這些帳戶之活期存款餘額如所展示地是 $0.5百萬。形成子設定檔272、274以及276部份之帳戶中的 活期存款餘額分別地是$0.7百萬、$0.4百萬以及$〇·3百萬。 23 200912792 當轉帳被進行時，例如當利息最優化模組3〇作用以移 動在各種連結帳戶280至294之間的資金時，自主設定檔27〇 之内的存款帳戶282至286的資金首先在步驟304被轉帳進 入該相同主設定檔之内的未償貸款借貸帳戶280。可被轉帳 5 進入借貸帳戶280以便抵扣借貸差額因而使支付之借貸利 息減到最少的金額利用由帳戶管理引擎24維護之最大轉帳 最高限度54而被設定。 該最大轉帳最高限度被參考296並且被設定為$1〇百 萬。一旦整個活期存款餘額$0.5百萬自存款帳戶282至286 10 被轉帳以抵扣借貸帳戶280中借貸之支付利息，利息最優化 模組30接著檢查分別地與子設定檔272至276聯結之轉帳指 示旗標298、300以及302。在這情況中，來自與子設定檔276 聯結之存款帳戶294之可供用的資金首先在步驟306被轉帳 進入主設定檔270。一旦$0.3百萬自存款帳戶294被轉帳， 15來自子設定檔274之下的存款帳戶292之可供用的資金接著 在步驟308被轉帳進入主設定檔。雖然$〇4百萬是目前可供 被轉帳進入主設定檔270，當僅該金額之一半，亦即，$0.2 百萬被轉帳進入該主設定檔時，最大轉帳最高限度$1〇百 萬被達到。因此’在轉帳作業之後，在子設定檔274之内被 維濩的存款帳戶292中之浮動餘額保持在$〇 2百萬。 應可了解’來自在各子設定檔之下被連接的存款帳戶 之可供用餘額在轉帳運作之前保持不變。換言之，已自在 °又疋槽之下的借貸帳戶被轉帳以抵扣所欠之未償貸款金 額的資五保持可供與各子設定檔272至聯結之帳戶持有 24 200912792 者所提取。其同時也是適用於該主設定檔270。 第16圖展示利息最優化模組30與特別補助利息模組36 一起之一般操作。在這圖形中，範例借貸帳戶310和312， 與範例存款帳戶314至318—起被展示。這些帳戶各一起被 . 5 連接在一相同主設定檔之下（一子設定檔結構並非對於特 別補助利息功能所需的）。這範例展示帳戶管理引擎處理在 各種存款帳戶中所賺取之作為具有在相同主設定檔及/或 子設定檔之下一起被連接的許多帳戶之酬賞的特別補助利 息之操作。 10 在步驟320，特別補助利息被孽生至各帳戶。當在步驟 322中決定一適當的利息週期發生時，接著在步驟324該特 別補助利息被記存至各帳戶。在步驟326，如果其利用資金 管理單元46決定該利息將被抵扣至借貸帳戶310和312，接 著，在步驟328，判定是否任何未償貸款是在逾期債款中。 15 如果是這情況，則該利息被使用以支付至少那些逾期債款 • 之一部份。如果在該作業之後保留有超出之資金，如在步 ^ 驟330被決定，則在步驟332超出之資金被使用以依據資金 放置準則48而抵扣借貸帳戶310和312之一個或兩個。步驟 320至332對應至特別補助利息模組36所進行之功能。第16 20 圖展示之操作導致利息最優化僅發生在存款帳戶314至318 之間（依據該特別補助利息模組42)。 因此，在步驟334，可供用餘額合併模組26決定來自所 有存款帳戶314至318所合併之可供用餘額。這合併之可供 用餘額接著在步驟336依據保留在帳戶管理引擎24中之利 25 200912792 率列表58被轉移至存款帳戶314至318之被決定具有最高利 率的帳戶。相反地，當自存款帳戶318提取資金之要求被進 行時，如第17圖所展示，可供用的合併餘額在步驟338利用 该可供用餘額合併模組26被決定。如果在步驟340決定一借 5貸差額存在，則系統將在步驟344檢查合併餘額是否仍然可 供用。如果是，在步驟346餘額信貸準備金被進行而藉由將 該金額賒欠至帳戶318中以支付存款帳戶318之借貸差額以 避免任何借貸利息被索取。 第18和19圖展示在存款被達成之情況中以及在提取被 10達成之情況中利息最優化模組30的獨自操作。 當資金被接收存進存款或借貸帳戶之一時，該資金被 移動進入該存款帳户以使賺取之利息最佳化。該資金依據 預定資金分配準則，例如，存款帳戶利率，而被移動進入 存款帳戶之一，該存款資金被移動進入具有最高利率之存 15款帳戶。在一些實施例中，該資金分配準則可由一帳戶持 有者被設定。 相反地，當自連結帳戶之一提取資金的要求被達成 時，在所有連結帳戶中可供用的剩餘資金被合併並且如果 在所有連結帳戶中可供用的剩餘資金超出被要求提取之資 20金數量，則該要求被登錄。在該要求已被登錄之後，該資 金被移動進入該等存款帳戶以使賺取之利息最佳化。該其 餘資金依據預定資金分配準則被移動進入存款帳戶之一。 如第18圖之展示，當存進存款帳戶314至318之任一者 的存款被達成時，則在步驟348可供用的餘額被合併並且該 26 200912792 存放之資金被置放在付最高利息之存款帳戶中（在這情況 中之存款帳戶318)。第19圖展示當要求自存款帳戶314至 318之任一個之提取被達成時，在步驟帳戶餘額首先被 口併。如果在步驟352決定該足夠的資金是可供用以足夠支 5付》亥提取要求354時，則該提取被登錄。如果仍然有正值可 供用的餘額，如在步驟354所決定的，在提取被達成之後， 則在步驟356餘額㈣準備金被進行則㈣些超出之資金 返回至付最高利息之存款帳戶。 10 15 20 最後，關於相同借貸帳戶31〇和312，與相同存款帳戶 314至318 —起之_補助利息龜36的-般操作被展示在 第20圖中。在步驟358，將被支付至主客戶帳戶作為具有一 起被連接的許多帳戶之酬㈣特·助利息被孳生至各帳 戶。當在步驟36G’下-個利息週期發生被決定時，接著在 步驟362該特別補助利息被存至各帳戶。如果在步驟364有 關的使用者設定標5G指示在存款帳戶中所賺取之利息將被 使用以抵扣借戶別至犯之未償t款錢，則在步驟 368首先檢查任何的借貸帳戶是否在逾期債款中。如果是這 情況中，則該孳生之制補賴息被使用以付逾期債款。 如果在步驟370任何超出之資金被決定將是依序地可供用 的，則在步驟372那些資金將被使用以依據該f金分 48而抵扣借資帳戶310和312之一個或兩個。 、 1資金管判擎24允許賺取特·助利息之存款金額的 最南限度被設定。該最高限度可被設定在—未償貸， 之百分比祕戶位準，其”百分比之聚f是在^ 27 200912792 内。利用各存執帳户被賺取之特別補助利息及/或標準利息 可被使用以在借貸明細週期日抵扣每個月之借貸本金。另 外地’其可被保存在存款帳戶内作為可供提取用之餘額。 下面之列表1列出在被資金管理單元46以及財務功能 5模組26至44所使用之範例資金分配準則似以決定當各種模 組26至44之功能被實作時在各種連結帳戶之内的資金之來 源和目的地。在-個或乡個實_中’該f金分配準則可 被一帳戶持有者所設定。例如，當資金將自一第一帳戶被 轉移進入兩個具有相同利率的帳戶之一時，一帳戶持有者 10可設定該資金分配準則以確保該金錢被移動進入一預定帳 戶中。 28 200912792 列表1 —^_ 來自產品 '—--- 至產品 分配準則 儲蓄/活期存款 儲蓄/活期存款 貧金轉帳至具有最高信貸^U 存款帳卢 儲蓄/活期存款 ------ 透支帳戶 貝金轉帳以足夠支付透支 ———————之借貸差額 儲蓄/活期存款 — 抵押貸款借貸(轉 帳套装） 允夺被轉帳作為浮動餘額 .支付借貸逾期債款 儲蓄/活期存款 抵押貸款 (非轉帳套裝） ，、允卉一般借貸付還，或-足夠支 付借眢褕坤債劼。 透支帳戶 儲蓄/活期存款 ，、透支帳戶上之賒欠餘額將被轉 帳至具有最高信貸利率之儲存帳 戶 透支帳戶 透支帳戶 轉帳借貸差額至具有最低信貸矛;】 率之锈Φ帳戶 透支帳戶 RLA帳戶 (轉帳套裝） 只信資餘額被允許被轉帳 動餘額且足夠支付借貸逾期債 款。 透支帳戶 ---—_ RLA帳戶 (非轉帳套奘、 ，、被允許使用信貸餘額以足夠支 付借貸逾期債款。 抵押貸款 (轉帳套裝） ----一 儲蓄/活期存款 允許使用可供用之PSL(增加 的）及浮動餘額以足夠支付因自 動借錢之存款帳戶中所導致的不 _ 定期透支 抵狎貸款 (非轉帳套裝） 儲蓄/活期存款 ，、允许使用可供用之PSL(增加 的）以足夠支付因自動借錢之存 戶中所導致的不定湘读* 只允^動系額以足夠 帳戶中之借資差額。 相對可供用之PSL增加的不被允 許使用以足夠支付所伟用限痛„ 抵押貸款 (轉帳套裝） ------ 透支帳戶 抵押貸款 (非轉帳套裝） — —. 透支帳戶 相對可供用之PSL增加的不被允 許以足夠支付所使用限額，但允 許以足夠支付超過該限額之信貸 餘額 ° 抵押貸款 (非轉帳套裝） — 抵押貸款 可供用之PSL不被允 戶之中被轉帳。但可供用之pSL 可被使用以支付另一抵押貸款借 貸之逾期債款 胃 抵押貸款 _____(轉帳套裝） 抵押貸款 竽動餘額被允許以在借貸帳戶之 中被轉帳。 29 200912792 第21圖是展示資金管理系統1〇在一獨立地、局部地進 行環境中之實作例分解圖。這圖形展示連接到資料庫4〇2之 個人電腦或其他計算裝置400。帳戶管理引擎24和業務處理 單元22在δ十算裝置4〇〇上被執行或進行，依據保留在資料庫 5 402中之資料。在其之操作期間，使用者經由圖形使用者界 面404與計算裝置400互動。 第2 2圖展示代表資金管理系統丨〇另一實作例之一分配 網路環境。帳戶管理引擎和業務處理單元被實作於聯結一 資料庫408之遠處伺服器406。自遠處終端機41〇和412經由 10資料網路4丨4(例如，該網際網路)之帳戶管理引擎和業務處 理單元之接取被提供。終端機410被連接到供局部性資料儲 存的資料庫416。利用圖形使用者界面418供應之終端機41〇 操作是方便的。同樣地，一資料庫420被連接到該終端機412 並且與該終端機412之互動藉由圖形使用者界面422被提 15供。 資金管理系統10之一個或多個項目或功能可利用使用 硬體、軟體或其組合被實作以及可在第21和22圖展示之— 環境中或在一個或多個其他獨立的或分佈式電腦環境或建 築物中被實作。一適用於這目的之電腦系統範例被展示於 2〇第23圖中。在讀取這說明之後，熟習有關本技術者應明白 如何使用其他電腦系統及/或其他電腦構造以實作本發明。 第23圖展示之電腦系統430包括一個或多個處理器，例 如’處理器432。該處理器432被連接到一通訊基礎結構 434。該電腦系統可包括一顯示界面436，其自該通訊基礎 30 200912792 結構434傳送圖形 438上。鈦帝邮么 、文字以及其他資料以供顯示在顯示單元. This step minimizes the benefit optimization module hoofs of those accounts with reference to the steps in Figure 8 to 184. In this example, 'although deposit accounts (10) and 19〇, which can be in the name of the family member of the main customer 192, can also be transferred into the loan H) loan account m to (10), sigh into the step to make the main The interest paid by the customer 192 is minimized. In this example, the outstanding loan balance of $50,000 with the minimum interest of the deposit account ‘ under the child profile 186, i.e., the deposit account 190', is first transferred to the loan account 176 in step 202. At step 204, a portion of the funds available in the deposit account 188 is then used 15 to offset the remaining outstanding balance of the loan account 176. At step 206, the remaining funds in the deposit account 188 are then used to deduct the remaining loan accounts 174. As stated in the New Moon, the initial deposit funds are received and deposited into one of the deposit or loan accounts. The deposit funds are then moved to offset the borrowings in the borrowing account 20 to minimize interest payments in the majority of the borrowing accounts. Up to one of the deposit funds, the first predetermined limit is moved into a first lending account and up to any one of the excess funds is moved to a second lending account. The first and second lending accounts are determined in accordance with predetermined funding allocation criteria. The predetermined limit may be a total outstanding loan amount, 18 200912792, a maximum deduction ceiling or other appropriate limit. The predetermined fund allocation criteria may include an indication as to whether a lending account is in an overdue debt, a lending account rate (the first lending account has a higher interest rate than the second lending account), or other appropriate criteria. 5 Once the deposit funds have been moved to deduct one or more outstanding loan borrowing accounts, the remaining funds can be moved into those majority deposit accounts to optimize the earned interest. The remaining funds can then be moved into one or more deposit accounts in accordance with the funding allocation criteria. When an withdrawal fund request is reached, 'after the requirement has been logged in, the funds are moved to offset the loan in the loan account to minimize the payment of interest. A first predetermined limit up to one of the deposit funds is moved into the first lending account and up to any one of the excess funds is moved to the second lending account. The first and second lending accounts are determined in accordance with predetermined funding allocation criteria. 15 The above processing procedures for Figures 6 through 9 are generally shown in Figure 1. This graphic shows example loan accounts 2〇8 and 210 and deposit accounts 212-216. Each of the loan accounts 208 and 210 and the deposit accounts 212 to 216 are linked under a common master profile. At step 218, the available balances in deposit accounts m through 216 are merged. 20 At step 220, the balance credit reserve is made. In this operation, the account management engine 24 uses the consolidated balance to cover any unlicensed borrowing differences in a deposit account to avoid any borrowing interest being claimed or covering any overdue debt balance of the linked lending account. Again, this allows the lending client to minimize the amount of the payment or to make the violation, and the bad status is reduced to 19 200912792. At step 222, the debt in the 4 debts is squandered or If 21G is in the past, the available balance of the overdue balance is from the debt of the deposit account from 212 to 216. 1 The funds will be used to pay as much as possible, such as Γ 4 Γ or more borrowing accounts in overdue debts In the paragraph, the Wuhu management engine 24 decides the account of the Sichuan (4) account. The axis debt of the borrower (four) will be determined by the order of borrowing and setting rules. For example, if the debt date is overdue, the loan is not paid. Loan amount, overdue debt balance, ^ 2:: order and loan interest rate 15 The loan setting criteria may be that the user in step 24 regarding whether the excess funds are available for use in the gentleman's mouth κ 'the excess funds will be Used to deduct - not spear-paid, in step 228, if the excess funds are still judged to be available for use, once the borrowing overdue debt has been determined and the debit credit has been applied, then Step 230 These excess funds will be moved to the highest interest rate account. + Figure 11 shows that the improper funds are extracted from accounts 208 to 216 when the same financial function module is under the control of the user profile under consideration. Funding 2 - The general processing procedure in the operation of the management unit. After requesting withdrawal of funds from one of the linked accounts, the funds are moved into the deposit accounts to optimize the interest earned. The remaining funds are based on the predetermined funds. The allocation criteria are moved into one of the deposit accounts. The available funds for withdrawal may include the amount of deposit placed and the amount of interest that has been saved since the reduced mortgage loan principal of 200912792. This uses the following The example is shown. Because the deposit will be deducted from the capital, the monthly interest on S is saved. In addition to the money deposited in the account, the interest saved will become the limit available for the main profile. In the example shown in Figure 11, at step 232, funds are requested to be extracted from the sample deposit account 228. At step 234, is the requested amount greater than from the The determination of the combined available balance of deposit accounts 212 through 216 is performed. If the requested withdrawal amount is greater than the available balance of the merger, then the business is rejected at step 236. Otherwise, at step 236, the The amount requested to be withdrawn is deducted from the available balance of the aggregated and from the current balance of the deposit. The balance of the team's account will be zero. The balance of the 'deposit' will be negative whenever there is an withdrawal. (borrowing 15 20 difference). The heart-account is in the loan differential, and the deposit business processing system 22 will charge the borrowing (four) interest. In order to make the customer recorded/paid, the differential credit reserve will be Implementation, complex ", person touches" k /, the 5 type chart from the & and the account balance to find funds enough to pay for the Λ. ^ Μ left collar, and therefore riding '... borrowing ^ interest is requested. In order to execute the differential credit reserve, in (iv) MO, the system will first use the remaining consolidated balance, and if there is a section that exists, it will be used to cover the loan balance, ie the amount is in the loan balance account and in the step 242 / person ^ deduct the same amount. After using the balances up to all the consolidated balances, if there is an overdue debt/debit balance in step 2 ... then the system will use the loan 21 200912792 π person available (4) preset security limit (pSL), increase the loan outstanding loan balance. 4PSL 疋 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 四 ’ ’ ’ ’ ’ ’ ’ ’ ’ ’ In the balance. After the loan reserve is completed, if there is still a difference between the seven balances & the overdue debts in step 248, then in step 25G, the system will routinely request the borrowing interest in the depositor or request the late payment in the borrowed dragon household towel. Claim fee. Funds previously transferred to debit the loan account are returned to the account requested to be withdrawn if the account is used for the consolidation of the available balance. 1 〇 Figure 12 shows an example of a primary profile 252 for a linked loan account 254, an overdraft account 256, and a borrowed detailed deposit account 258. A sub-profile 260 links the loan details deposit account 262 and the demand deposit 264 to each other and links the accounts 254 to 258. This graphic shows the operation of the shared withdrawal module of the account management engine 24 and the available balance consolidation module 26. 15 The common withdrawal module 28 manages, if determined by the available balance consolidation module 26, the funds from the linked account within the consolidated available balance. By balancing the funds in the linked account, a customer can generally avoid additional borrowing from the institution where the linked account is maintained. In the share withdrawal function, all netted funds are available to customers of the linked accounts from any of the two accounts. Figure 12 shows a case in which $2 is required to be extracted from one of two deposit accounts connected using sub-profile 260. In this case, $2 is required to be drawn from the current deposit 264. The balance of the current deposit in the loan deposit account 262 and the demand deposit 264 is zero, while the amount available from the account-to-account (merged) is $2,500. When $2000 is requested to be withdrawn from the demand deposit 264, the available balance from any account is reduced from $2500 to $500. Figure 13 provides a further example of the withdrawal of $2000 from one of the deposit accounts connected using the sub-profile 260, and then forms a request to withdraw $21000 from the overdraft 5 account 256. As can be seen in Figure 13, the available balance from the overdraft account 256 and the loan detail deposit account 258 is reduced from $25000 to $4000 after this withdrawal is reached. In other words, the available balance for any of the accounts indicated in Figures 12 and 13 is the aggregate available for all accounts that are connected using either of the primary profile 252 or the secondary profile 260. Said. Figure 14 shows a further example in which - after extracting $21000 from the overdraft account 265 - an additional $1500 is required to be extracted from the autonomous profile 252. In this case, it can be seen that the available balance in any of the overdraft account 256 and the loan detail deposit account 258 is reduced to $2500 after the extraction is reached 15 . Figure 15 shows an example of a transfer ceiling 54 maintained by account management engine 24. In the example shown, a master set slot 270 and associated sub-sets 272 through 276 are established for use by a master client 278. The primary settings Tan 270 link deposit and loan accounts 280 to 286, the child profile 272 links the deposit accounts 20 288 and 290, respectively linking the deposit accounts 292 and 294 to the remaining accounts in the main profile. In this figure, the deposit accounts 282 to 286 in the main profile 270 are deposit accounts. The current account balance for these accounts is $0.5 million if displayed. The current account balances in the accounts forming the sub-profiles 272, 274, and 276 are $0.7 million, $0.4 million, and $〇3 million, respectively. 23 200912792 When the transfer is made, for example, when the interest optimization module 3 acts to move funds between the various linked accounts 280 to 294, the funds of the deposit accounts 282 to 286 within the autonomous profile 27 are first Step 304 is transferred to the outstanding loan lending account 280 within the same primary profile. The amount that can be transferred 5 to the debit account 280 to offset the debit balance and thus minimize the payment of the loan interest is set using the maximum transfer ceiling 54 maintained by the account management engine 24. The maximum transfer ceiling is referenced 296 and is set to $1 million. Once the entire demand deposit balance of $0.5 million has been transferred from the deposit account 282 to 286 10 to offset the interest paid by the loan in the loan account 280, the interest optimization module 30 then checks the transfer instructions associated with the sub-profiles 272-276, respectively. Flags 298, 300, and 302. In this case, the funds available from the deposit account 294 associated with the sub-profile 276 are first transferred to the main profile 270 at step 306. Once the $0.3 million self-deposit account 294 is transferred, 15 available funds from the deposit account 292 under sub-profile 274 are then transferred to the main profile in step 308. Although $〇4 million is currently available for transfer to the main profile 270, when only one-half of the amount, that is, $0.2 million is transferred to the main profile, the maximum transfer limit of $1 million is reached. . Thus, after the transfer operation, the floating balance in the deposit account 292 maintained within the sub-profile 274 remains at $〇 2 million. It should be understood that the available balance from the deposit account connected under each sub-profile remains unchanged until the transfer operation. In other words, the loan account that has been transferred from the account is deducted to deduct the outstanding loan amount owed by the account holder 272 to the linked account holder 24 200912792. It also applies to the main profile 270. Figure 16 shows the general operation of the interest optimization module 30 with the special assistance interest module 36. In this graph, the example lending accounts 310 and 312 are displayed along with the sample deposit accounts 314 through 318. These accounts are each connected together under a single master profile (a sub-profile structure is not required for the special subsidy feature). This example demonstrates the operation of the account management engine to process special grants that are earned in various deposit accounts as rewards for many accounts that are connected together under the same primary profile and/or subprofile. 10 At step 320, special subsidy interest is generated to each account. When it is determined in step 322 that an appropriate interest period has occurred, then in step 324 the special subsidy interest is credited to each account. At step 326, if it utilizes the funds management unit 46 to determine that the interest will be deducted to the debit accounts 310 and 312, then, at step 328, a determination is made as to whether any outstanding loans are in overdue debt. 15 If this is the case, the interest is used to pay for at least one of those overdue debts. If the excess funds are retained after the job, as determined at step 330, the funds that were exceeded in step 332 are used to offset one or both of the loan accounts 310 and 312 in accordance with the funds placement criteria 48. Steps 320 through 332 correspond to the functions performed by the special subsidy interest module 36. The operation shown in Figure 16 20 results in interest optimization occurring only between deposit accounts 314 through 318 (according to the special grant interest module 42). Accordingly, at step 334, the available balance consolidation module 26 determines the available balances from all of the deposit accounts 314 through 318. The combined available balance is then transferred to the accounts of the deposit accounts 314 through 318 that are determined to have the highest interest rate in accordance with the profit list 25 200912792 rate list 58 retained in the account management engine 24. Conversely, when the request to withdraw funds from the deposit account 318 is performed, as shown in FIG. 17, the available consolidated balance is determined at step 338 using the available balance consolidation module 26. If it is determined in step 340 that a loan balance exists, then the system will check in step 344 if the consolidated balance is still available. If so, a balance credit reserve is made at step 346 by owing the amount to account 318 to pay the loan balance of deposit account 318 to avoid any loan interest being claimed. Figures 18 and 19 show the sole operation of the interest optimization module 30 in the event that the deposit is fulfilled and in the event that the withdrawal is fulfilled. When funds are received into one of the deposit or lending accounts, the funds are moved into the deposit account to optimize the earned interest. The funds are moved into one of the deposit accounts based on predetermined funding allocation criteria, such as the deposit account rate, which is moved into the account with the highest interest rate. In some embodiments, the funds allocation criteria can be set by an account holder. Conversely, when the request to withdraw funds from one of the linked accounts is fulfilled, the remaining funds available in all linked accounts are combined and if the remaining funds available in all linked accounts exceed the amount of 20 gold required to be withdrawn , the request is logged in. After the request has been logged in, the funds are moved into the deposit accounts to optimize the earned interest. The remaining funds are moved into one of the deposit accounts in accordance with the predetermined fund allocation criteria. As shown in Fig. 18, when deposits deposited in one of the deposit accounts 314 through 318 are fulfilled, the balances available at step 348 are consolidated and the funds deposited in the 26 200912792 are placed at the highest interest rate. Deposit account (in this case deposit account 318). Figure 19 shows that when the withdrawal of any of the deposit accounts 314 to 318 is required, the account balance is first and foremost in the step. If at step 352 it is determined that sufficient funds are available for a sufficient amount of payment, then the extraction is logged. If there is still a positive balance available, as determined in step 354, after the withdrawal is reached, then in step 356 the balance (4) is made and then the (4) excess funds are returned to the deposit account with the highest interest. 10 15 20 Finally, with regard to the same lending accounts 31〇 and 312, the same operation as the subsidy interest turtle 36 with the same deposit accounts 314 to 318 is shown in Fig. 20. At step 358, the payment to the primary customer account as a plurality of accounts that are connected together (4) special interest is generated to each account. When the occurrence of the interest cycle is determined in step 36G', then in step 362 the special subsidy interest is deposited to each account. If, at step 364, the user setting flag 5G indicates that the interest earned in the deposit account will be used to offset the outstanding t-payment of the borrower, then in step 368, first check if any of the lending accounts are In overdue debts. If this is the case, the twin's makeover interest is used to pay the overdue debt. If any funds exceeded are determined to be available in sequence at step 370, then at step 372 those funds will be used to deduct one or both of the borrowing accounts 310 and 312 in accordance with the f gold score 48. 1 The top limit of the amount of deposits allowed to earn special interest is set. The ceiling can be set at – the outstanding loan, the percentage of the secret account, and the “percentage of the percentage f is in ^ 27 200912792. The special subsidy interest and/or standard interest earned from each deposit account is used. It can be used to deduct the monthly borrowing principal on the loan detail cycle date. Alternatively, it can be saved in the deposit account as a balance for withdrawal. List 1 below is listed in the fund management unit 46. And the example fund allocation criteria used by the financial function 5 modules 26 through 44 appear to determine the source and destination of funds within the various linked accounts when the functions of the various modules 26 through 44 are implemented. The f-gold allocation criteria can be set by an account holder. For example, when funds are transferred from a first account to one of two accounts with the same interest rate, an account holder 10 The fund allocation criteria can be set to ensure that the money is moved into a predetermined account. 28 200912792 List 1 —^_ From product '---- to product allocation criteria savings / demand deposit savings / demand deposits poor money transfer to There is the highest credit ^U deposit account Lu savings / demand deposits ------ overdraft account Beijin transfer to enough to pay overdraft --- --- the difference between the loan savings / demand deposits - mortgage loan (transfer package) Transferred as a floating balance. Payment of overdue debt savings / demand deposits (non-transfer packages), Yun Hui general loan repayment, or - enough to pay for the debts of the Qiankun account. Overdraft account savings / demand deposits, The outstanding balance on the overdraft account will be transferred to the storage account overdraft account with the highest credit interest rate to overdraw the account transfer loan balance to the lowest credit spear;] rate rust Φ account overdraft account RLA account (transfer set) only the credit balance is Allow transfer of balances and sufficient payment of overdue debts. Overdraft account -----_ RLA account (non-transfer set, ,, is allowed to use credit balance to be sufficient to pay for overdue debts. Mortgage (transfer set) - --- A savings / demand deposit allows the use of available PSL (increase) and floating balance to be sufficient to pay for automatic borrowing The deposit account does not result in a regular overdraft loan (non-transfer package) savings/current deposit, and the use of available PSL (increased) to cover the uncertainties caused by the automatic borrowing of depositors Read* only allows the amount of the loan to be sufficient for the borrowing difference in the account. The increase in the available PSL is not allowed to be used to cover the cost limit. „ Mortgage (transfer set) ------ Overdraft Account Mortgage (Non-Transfer Set) — The overdraft account is not allowed to pay for the PSL increase that is sufficient to cover the used limit, but is allowed to pay enough to exceed the limit of the credit balance (non-transfer package) — The PSL available for the mortgage is not transferred to the permitted account. However, the available pSL can be used to pay the overdue debt of another mortgage loan. Stomach Mortgage _____ (Transfer Set) Mortgage The balance is allowed to be transferred in the loan account. 29 200912792 Figure 21 is an exploded view showing the implementation of the money management system in an independent, localized environment. This graphic shows a personal computer or other computing device 400 connected to the database 4〇2. The account management engine 24 and the business processing unit 22 are executed or executed on the delta computing device 4, based on the data retained in the database 5402. During its operation, the user interacts with computing device 400 via graphical user interface 404. Figure 2 2 shows the distribution of the network environment on behalf of the fund management system and one of the other implementations. The account management engine and business processing unit are implemented to connect to a remote server 406 of a database 408. Access from the remote terminals 41A and 412 via the account management engine and the service processing unit of the 10 data network 4 (e.g., the Internet) is provided. Terminal 410 is coupled to a repository 416 for local data storage. The terminal 41 supplied by the graphical user interface 418 is convenient to operate. Similarly, a database 420 is coupled to the terminal 412 and interacts with the terminal 412 via a graphical user interface 422. One or more items or functions of the money management system 10 may be implemented using hardware, software, or a combination thereof, and may be embodied in the environment of Figures 21 and 22, or in one or more other independent or distributed It is implemented in a computer environment or building. An example of a computer system suitable for this purpose is shown in Figure 23 of Figure 2. After reading this description, those skilled in the art will understand how to use other computer systems and/or other computer configurations to implement the present invention. The computer system 430 shown in Figure 23 includes one or more processors, such as a 'processor 432. The processor 432 is coupled to a communication infrastructure 434. The computer system can include a display interface 436 that transfers graphics 438 from the communication infrastructure 30 200912792 structure 434. Titanium mail, text and other materials for display on the display unit
心崎驅動446以習知的方式讀取自及㈤寫人至一可移 動式儲存單元448。該可移動式儲存單元448代表-軟磁 /、、卡T、光碟等等’其利用可移動式儲存驅動446被讀 取並且被寫入。 1〇 如將所了解，該可移動式儲存單元448包括儲存-系列 指令形式的電腦軟體之電腦可用的儲存媒體以導致處理器 210執行所需的功能。於另一實施例中，第二記憶體術可 包括允s午將電腦程式或指令負載進入電腦系統43〇中的其 他相似裝置。此些裝置可包括，例如，一可移動式儲存單 15元450以及相聯結的界面452。 §亥電腦系統430同時也可包括一通訊界面454。該通訊 界面454允許軟體和資料在電腦系統43〇和其他外接裝置之 間被轉移。通訊界面454之範例可包括一數據機、一網路界 面、一通訊埠、一PCMCIA槽以及聯結卡等等。經由通訊界 20面454被轉移之軟體和資料可以是信號形式，其可以是能夠 利用通訊界面454被接收之電磁式、電子式、光學或其他信 號。該等信號經由通訊路線被提供至通訊界面4 54以供用於 456，該通訊路線可以是例如，一接線或電纜線、光纖、電 話線、行動電話鏈路、無線電頻率鏈路或其他通訊通道。 31 200912792 雖然本發明上述之實施例主要地使用電腦軟體被實 作，在其他實施例中可主要地使用，例如，硬體構件(例如， 一特定應用積體電路(ASI〇)之硬體被實作。實作一硬體狀 態機器以便進行此處說明的功能之範例為熟習相關技術者 所明白。在其他實施例中，本發明可使用硬體和軟體兩者 之組合被實作。 雖然本發明已以限制數量之相關實施例被說明。熟習 本技術者應明白本發明可依據前面之說明而有許多的選 擇、修改以及變化。因此，本發明將包含所有此類之選擇、 10修改以及變化在所揭示之本發明的精神和範籌之内。 【圖式簡單說明】 第1圖是一資金管理系統實施例之分解圖； 第2圖疋形成第i圖的資金管理系統之部份的—帳戶管 理引擎分解圖； 15 20 第3和4圖是利用第1圖資金管理系統所管理之設定檔 結構連結帳戶的分解圖； 第5圖是展示利用第1圖資金管理系統所管理之—範伽 設定槽連結帳戶之選分解圖； 第6至9以及12至15圖是展示利用第i圖資金管理 導致在連職戶之_範㈣金移狀衫移動圖式了、，、 第10 11以及16至2G圖是展示第2圖帳戶管理弓丨 種財務模組形成部份之操作的流程圖；以及 第21至23圖是第 操作環境的分解圖。 資金管理系統之不同的電腦實作 32 200912792 【主要元件符號說明】 10…資金管理系統 54…轉帳最高限度 12-18…帳戶 56…轉帳返回準則 20···客戶 58…利率表 21…業務處理系統 60···主設定檔 22…存款業務處理邏輯 60-66···子設定檔 23·.·借貸業務處理邏輯 68、86…客戶 24…帳戶管理引擎 70-84.··帳戶 26…可供用餘額合併 88-102…帳戶 28…分用提款(自動借用） 96、114···主設定檔(轉帳) 30…利息最優化(存款帳戶） 98、124…子設定檔 32·..正常利息抵扣 104…主設定槽(特別補助) 34…轉帳帳戶返回 140-144···子設定檔 36···特別補助利息 146-148…借貸帳戶 40···特別補助利息抵扣 154-160…存款帳戶 42·.·特別補助存款 162-166…轉帳指示特性 44…轉帳 172···主設定檔 46…資金管理單元 174-176…貸款帳戶 48…資金分配準則 178…借貸帳戶 50···使用者設定檔 180…透支帳戶 52···轉帳指示 182-184".存款帳戶 33 200912792 188-190…存款帳戶 186—設定標 192…客戶 208、210···借貸帳戶 212-216…存款帳戶 252···主設定樓 254…抵押借貸 256…透支帳戶 258、262·"借貸明細帳戶 260···子設定檔 264…活期存款 270…主設定標 272-276…子設定檔 280-294…帳戶 310、312…借貸帳戶 314-318…存款帳戶 400…電腦 402…資料庫 404…圖形使用者界面 406…資料庫伺服器 408…資料庫 410、412…遠處終端機 414.··資料網路 416…資料庫 418、422…圖形使用者界面 420…資料庫 430…電腦系統 432…處理器 434...通訊基礎結構 436···顯示界面 438…顯示器 440…主記憶體 442…第二記憶體 444· ·.石更石業驅動 446···可移動式儲存驅動 448…可移動式儲存單元 450…可移動式儲存單元 452···界面 454…通訊界面 456…通訊通道 34The Kosaki driver 446 reads from the (5) writer to a removable storage unit 448 in a conventional manner. The removable storage unit 448 represents - soft magnetic /, card T, optical disc, etc. which is read by the removable storage drive 446 and written. As will be appreciated, the removable storage unit 448 includes a computer-usable storage medium storing computer software in the form of a series of instructions to cause the processor 210 to perform the desired functions. In another embodiment, the second memory operation may include loading a computer program or instruction load into other similar devices in the computer system 43A. Such devices may include, for example, a removable storage unit 15 yuan 450 and an associated interface 452. The computer system 430 can also include a communication interface 454. The communication interface 454 allows software and data to be transferred between the computer system 43 and other external devices. Examples of communication interface 454 can include a data machine, a network interface, a communication port, a PCMCIA slot, and a junction card. The software and material transferred via the communication interface 20 454 may be in the form of a signal, which may be an electromagnetic, electronic, optical or other signal that can be received using the communication interface 454. The signals are provided via communication path to communication interface 454 for use in 456, which may be, for example, a wire or cable, fiber optic, telephone line, mobile telephone link, radio frequency link, or other communication channel. 31 200912792 Although the above-described embodiments of the present invention are mainly implemented using computer software, in other embodiments, it may be mainly used, for example, a hardware component (for example, a specific application integrated circuit (ASI〇) hard body is Implementations. An example of implementing a hardware state machine for performing the functions described herein will be apparent to those skilled in the art. In other embodiments, the invention can be implemented using a combination of both hardware and software. The present invention has been described in terms of a limited number of related embodiments. It will be appreciated by those skilled in the art that the invention may be susceptible to many alternatives, modifications and variations. And variations are within the spirit and scope of the disclosed invention. [Simplified Schematic] FIG. 1 is an exploded view of an embodiment of a money management system; and FIG. 2 is a portion of a money management system forming an i-th diagram - Account Management Engine Exploded View; 15 20 Figures 3 and 4 are exploded views of the linked account using the profile structure managed by the Money Management System in Figure 1. Figure 5 is an illustration Use the map management system managed by the fund management system in Figure 1 to select the exploded view of the account connection; the figures 6 to 9 and 12 to 15 show the use of the i-th diagram of the fund management to cause the shift in the tenant's (four) gold The shirt movement diagram, and the 10th 11th and 16th to 2th diagrams are flowcharts showing the operation of the formation of the financial module of the account management diagram of FIG. 2; and the 21st to 23rd drawings are the operating environment. Exploded diagram. Different computer implementation of the fund management system 32 200912792 [Description of main component symbols] 10... Money management system 54... Transfer maximum 12-18... Account 56... Transfer return criteria 20···Customer 58... Interest rate table 21 ...Business Processing System 60···Main Profile 22...Deposit Business Processing Logic 60-66···Sub-Profile 23··Loan Business Processing Logic 68, 86...Customer 24...Account Management Engine 70-84.·· Account 26... available balance consolidation 88-102... account 28... split withdrawal (automatic borrowing) 96, 114··· main profile (transfer) 30... interest optimization (deposit account) 98, 124... subprofile 32·..normal interest deduction 104... main setting (Special subsidy) 34...Transfer account returns 140-144···Sub-configuration file 36···Special subsidy interest 146-148...Loan account 40···Special subsidy interest deduction 154-160...Deposit account 42·.· Special Subsidy Deposits 162-166...Transfer Indication Features 44...Transfer 172···Main Profile 46...Fund Management Unit 174-176...Loan Account 48...Fund Allocation Criteria 178...Loan Account 50···User Profile 180... Overdraft Account 52···Transfer Instructions 182-184" Deposit Account 33 200912792 188-190... Deposit Account 186—Setup 192...Customer 208, 210···Loan Account 212-216... Deposit Account 252···Main Settings Floor 254... mortgage lending 256... overdraft account 258, 262 · "debit memo account 260··· sub-profile 264... demand deposit 270... main setting flag 272-276... sub-profile 280-294... account 310, 312... Borrowing account 314-318... Deposit account 400...Computer 402...Database 404...Graphical user interface 406...Database server 408...Database 410,412...Remote terminal machine 414.·Data network 416...Database 418, 422... graphics make 420...Database 430...Computer System 432...Processor 434...Communication Infrastructure 436···Display Interface 438...Display 440...Main Memory 442...Second Memory 444··.Shishi Stone Drive 446···Removable storage drive 448...Removable storage unit 450...Removable storage unit 452···Interface 454...Communication interface 456...Communication channel 34