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US 2011/0213684 A1Published application
Financial management system
AssigneeThe Royal Bank of Scotland PLC
InventorJeremy Tait
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AssigneeThe Royal Bank of Scotland PLC
InventorJeremy Tait
Estimating the term…
The invention provides a financial management system for use in managing a bank account, wherein the bank account is sub-divided into at least two credit containers, each credit container corresponding to a category associated with an activity relating to funds available in said account, wherein each said category is predetermined such that a uniform set of credit containers apply to all customers having a said bank account. According to the invention, a plurality of credit containers, or pots, is associated with a given account; since these pots are predetermined and specified by, e.g. the provider of the bank account, the functionality and services associated with a given account, in terms of transferring funds between credit containers, can be standardised for a given customer base and require less user intervention than do known financial management systems.
A financial management system for use in managing a bank account, wherein the bank account is sub-divided into at least two credit containers, each credit container corresponding to a category associated with an activity relating to funds available in said account, wherein each said category is predetermined such that a uniform set of credit containers apply to all customers having a said bank account.
A financial management system according to any one of the preceding claims, wherein said credit containers comprise a first credit container corresponding to all debit transactions for a given customer.
A financial management system according to any one of the preceding claims, wherein each said container has a set of rules associated therewith, said rules being for use by account operation apparatus when transferring incomings to the respective credit containers.
An account operation apparatus operable to implement bank account transactions for a plurality of customers, each said bank account being sub-divided into at least two credit containers, each credit container corresponding to a category associated with an activity relating to funds available in said account, wherein each said category is predetermined such that a uniform set of credit containers apply to all customers having an associated bank account, said account operation apparatus comprising:
A method for managing transactions relating to a bank account, the said bank account being sub-divided into at least two credit containers, each credit container corresponding to a category associated with an activity relating to funds available in said account, wherein each said category is predetermined such that a uniform set of credit containers apply to all customers having an associated bank account, the method comprising:
Dependencies are inferred from the claim text.