US 8,751,373 B2 · Account management system

Abstract

This invention provides novel and improved account management system, account management method and account management program, capable of summing up the deposit/withdraw according to the item of expenditure in real-time and automatically with regard to any accounts of user's. More specifically, when a client of a banking agency is registered as the user of a system 10, a system account corresponding respectively to the user's banking account opened at the banking agency is opened in the system 10. The user requests for the openings of one or more virtual accounts related to each of the system account by accessing the system 10 from a user terminal A22a or a user terminal B22b through the Internet 21. Preferably, the virtual account is opened according to an item of expenditure.

Claims24

Dependent claims

An account management system for managing one or more real accounts opened at a banking agency comprising:

a virtual account opening means for opening a virtual account correlated to a real account opened at the banking agency according to an instruction from terminal equipment through a network, the real account having a plurality of account processes, including depositing money and withdrawing money, the virtual account being a part of the real account so that the virtual account is used for managing a predetermined account process among all of the account processes of the real account;
and
an account process management means for depositing money that is deposited into the real account, into the virtual account correlated to the real account if depositing money is the predetermined account process, and withdrawing money that is withdrawn from the real account, from the virtual account correlated to the real account if withdrawing money is the predetermined account process.

An account management method for managing one or more real accounts opened at a banking agency comprising the steps of:

opening a virtual account correlated to a real account opened at the banking agency according to an instruction from terminal equipment through a network, wherein (i) the real account has a plurality of account processes including depositing money and withdrawing money, and (ii) the virtual account is a part of the real account so that the virtual account is used for managing a predetermined account process among all account processes of the real account;
depositing money that is deposited into the real account, into the virtual account correlated to the real account if depositing money is the predetermined account process;
and
withdrawing money that is withdrawn from the real account, from the virtual account correlated to the real account if withdrawing money is the predetermined account process.

1 more element

Dependencies are inferred from the claim text.

Account management system

Life of this patent

Account management system

Life of this patent

Abstract

Claims24