WO2002101615A1 - Finance management system - Google Patents

Finance management system Download PDF

Info

Publication number
WO2002101615A1
WO2002101615A1 PCT/JP2002/005585 JP0205585W WO02101615A1 WO 2002101615 A1 WO2002101615 A1 WO 2002101615A1 JP 0205585 W JP0205585 W JP 0205585W WO 02101615 A1 WO02101615 A1 WO 02101615A1
Authority
WO
WIPO (PCT)
Prior art keywords
accounts
payer
receiver
user
financial transaction
Prior art date
Application number
PCT/JP2002/005585
Other languages
French (fr)
Japanese (ja)
Inventor
Kentaro Konishi
Kazuya Kinoshita
Original Assignee
Scale Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Scale Inc. filed Critical Scale Inc.
Publication of WO2002101615A1 publication Critical patent/WO2002101615A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

A finance management system for managing a financial transaction between a user, payer, and a receiver who have accounts in predetermined banking establishments. The system includes information processing means for processing paying-in/out information for each of the accounts and instruction information on fund movement for each of the accounts, and management means for uniquely managing a financial transaction between the user, the payer, and the receiver. The management means performs a financial transaction between the user, the payer, and the receiver while controlling the paying-in/out balances of the accounts.
PCT/JP2002/005585 2001-06-06 2002-06-06 Finance management system WO2002101615A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2001-170613 2001-06-06
JP2001170613A JP2002366753A (en) 2001-06-06 2001-06-06 Financial management system

Publications (1)

Publication Number Publication Date
WO2002101615A1 true WO2002101615A1 (en) 2002-12-19

Family

ID=19012504

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2002/005585 WO2002101615A1 (en) 2001-06-06 2002-06-06 Finance management system

Country Status (2)

Country Link
JP (1) JP2002366753A (en)
WO (1) WO2002101615A1 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2006343903A (en) * 2005-06-08 2006-12-21 Hitachi Ltd System and method for controlling dynamic transfer between multiple accounts
JP2008242784A (en) * 2007-03-27 2008-10-09 Oki Electric Ind Co Ltd Automatic transaction device and automatic transaction system

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH0652211A (en) * 1992-08-03 1994-02-25 Hitachi Ltd Transaction processing system
WO1999022326A1 (en) * 1997-10-27 1999-05-06 Bankamerica Corporation Open-architecture system for real-time consolidation of information from multiple financial systems
US5903881A (en) * 1997-06-05 1999-05-11 Intuit, Inc. Personal online banking with integrated online statement and checkbook user interface
WO1999027479A1 (en) * 1997-11-21 1999-06-03 Watson Craig M Integrated bill consolidation, payment aggregation, and settlement system
WO1999033011A1 (en) * 1997-12-22 1999-07-01 Motorola Inc. Portable 1-way wireless financial messaging unit
WO2000025227A1 (en) * 1998-10-28 2000-05-04 Verticalone Corporation Apparatus and method for automated aggregation and delivery of electronic personal information or data

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH11154194A (en) * 1997-11-21 1999-06-08 Shoji Ogaki Method and system for integrated management by computer for fund finance information of plural industries
JPH11259588A (en) * 1998-03-13 1999-09-24 Fujitsu Ltd Payment system, electronic wallet device, financial institution processor, electronic wallet management device and computer readable record medium recording account management program
JP2000011066A (en) * 1998-06-23 2000-01-14 Hitachi Ltd Method for controlling inter-account funds movement
JP4312879B2 (en) * 1999-05-31 2009-08-12 株式会社日本総合研究所 Centralized fund management system, computer used in the system and its operating method, and medium storing a program for controlling the computer

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH0652211A (en) * 1992-08-03 1994-02-25 Hitachi Ltd Transaction processing system
US5903881A (en) * 1997-06-05 1999-05-11 Intuit, Inc. Personal online banking with integrated online statement and checkbook user interface
WO1999022326A1 (en) * 1997-10-27 1999-05-06 Bankamerica Corporation Open-architecture system for real-time consolidation of information from multiple financial systems
WO1999027479A1 (en) * 1997-11-21 1999-06-03 Watson Craig M Integrated bill consolidation, payment aggregation, and settlement system
WO1999033011A1 (en) * 1997-12-22 1999-07-01 Motorola Inc. Portable 1-way wireless financial messaging unit
WO2000025227A1 (en) * 1998-10-28 2000-05-04 Verticalone Corporation Apparatus and method for automated aggregation and delivery of electronic personal information or data

Also Published As

Publication number Publication date
JP2002366753A (en) 2002-12-20

Similar Documents

Publication Publication Date Title
WO2005038627A3 (en) Systems and methods for banking transactions using a stored-value card
WO2003023574A3 (en) Systems and methods for monetary transactions between wired and wireless devices
WO2001084276A3 (en) International payment system and method
WO2004021130A3 (en) Method and system for facilitating payment transactions using access devices
WO2005045643A3 (en) Multiple credit card management system
CA2396006A1 (en) Automated system and method for monitoring financial transactions
WO2007127424A3 (en) Methods and systems for opening and funding a financial account online
WO2004008288A3 (en) Method and system for a multi-purpose transactional platform
WO2005109307A3 (en) Methods and systems for providing guaranteed merchant transactions
WO2005124635A3 (en) Financial institution-based transaction processing system and approach
CA2455556A1 (en) Method and system for providing financial services
WO2001065494A3 (en) System, and method for prepaid anonymous and pseudonymous credit card type transactions
WO2005006111A3 (en) Method and system for facilitating switching of financial institution accounts
ZA200001929B (en) Cashless transactions without credit cards, debit cards or checks.
WO2002035487A3 (en) Remote payment method and system
WO2000073934A9 (en) Method and apparatus for surrogate control of network-based electronic transactions
WO2006073907A3 (en) System for facilitating online electronic transactions
WO2005060494A3 (en) A method for establishing control over credit card transactions
WO2007030480A3 (en) System and method for secured account numbers in proximity devices
AU2001241869A1 (en) Method, system and computer readable medium for web site account and e-commerce management from a central location
WO2004029888A3 (en) System and method for providing information and services to and from an automated teller machine
WO2004031892A3 (en) Processing partial payments using debit cards
WO2001076183A3 (en) System, method, and article of manufacture for secure transactions utilizing a computer network
WO2002013134A3 (en) A smart card for and method of executing transactions
WO2004027555A3 (en) Processing of transactions with expanded card acceptance

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): US

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE TR

121 Ep: the epo has been informed by wipo that ep was designated in this application
122 Ep: pct application non-entry in european phase