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1. (WO2018221344) FRACTIONAL FUND TRANSFER AND ACCUMULATION SYSTEM
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Pub. No.: WO/2018/221344 International Application No.: PCT/JP2018/019821
Publication Date: 06.12.2018 International Filing Date: 23.05.2018
IPC:
G06Q 40/02 (2012.01) ,G06Q 20/10 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02
Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
10
specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
Applicants:
株式会社野村総合研究所 NOMURA RESEARCH INSTITUTE, LTD. [JP/JP]; 東京都千代田区大手町一丁目9番2号 1-9-2, Otemachi, Chiyoda-ku, Tokyo 1000004, JP
Inventors:
田中 達雄 TANAKA, Tatsuo; JP
Agent:
特許業務法人平和国際特許事務所 HEIWA INTERNATIONAL PATENT OFFICE; 東京都千代田区神田須田町一丁目26番地 芝信神田ビル3階 Shibashin Kanda Bldg. 3rd Floor, 26, Kanda Suda-cho 1-chome, Chiyoda-ku, Tokyo 1010041, JP
Priority Data:
2017-10941801.06.2017JP
Title (EN) FRACTIONAL FUND TRANSFER AND ACCUMULATION SYSTEM
(FR) SYSTÈME DE TRANSFERT ET D'ACCUMULATION DE FONDS DIVISIONNAIRES
(JA) 端数資金振替蓄積システム
Abstract:
(EN) The present invention calculates, on the basis of a daily payment and the like of a user, a prescribed fractional amount of money, and transfers the calculated result as savings for a target amount of money. To this end, the present invention is provided with: a fund calculation means 11 which calculates, on the basis of fund calculation rule information and account information stored in a fractional fund transfer and accumulation DWH 20, a transfer fund that is transferred to a prescribed accumulation account from a fund account of a customer; a fund transfer instruction means 12 which transmits, on the basis of the fund calculation result information, fund transfer instruction information to financial institutions 40, 50; an accumulation fund information generation means 13 which generates accumulated fund information on the basis of the fund transfer result information from the financial institutions 40 and 50, and transmits, to a customer terminal 60, the accumulated fund information; and a target amount-of-money achievement degree calculation means 14 which calculates, on the basis of the accumulated fund information and the target money amount information stored in the fractional fund transfer and accumulation DWH 20, an achievement degree of the accumulated fund with respect to the target amount of money.
(FR) La présente invention calcule, sur la base d'un paiement quotidien et analogue d'un utilisateur, une quantité divisionnaire prescrite d'argent et transfère le résultat calculé en tant qu'économies pour une quantité cible d'argent. À cette fin, la présente invention comprend : un moyen de calcul de fonds (11) qui calcule, sur la base d'informations de règle de calcul de fonds et d'informations de compte stockées dans un DHW de transfert et d'accumulation de fonds divisionnaires (20), un fonds de transfert qui est transféré à un compte d'accumulation prescrit à partir d'un compte de fonds d'un client ; un moyen d'instruction de transfert de fonds (12) qui transmet, sur la base des informations de résultat de calcul de fonds, des informations d'instruction de transfert de fonds à des institutions financières (40, 50) ; un moyen de génération d'informations de fonds d'accumulation qui génère des informations de fonds accumulés sur la base des informations de résultat de transfert de fonds provenant des institutions financières (40 et 50) et transmet, à un terminal de client (60), les informations de fonds accumulés ; et un moyen de calcul de degré d'obtention de montant d'argent cible (14) qui calcule, sur la base des informations de fonds accumulés et des informations de montant d'argent cible stockées dans le DWH de transfert et d'accumulation de fonds divisionnaires (20), un degré de d'obtention des fonds accumulés par rapport au montant cible d'argent.
(JA) ユーザの日々の支払い等に基づいて所定の端数金額を算出し、目標金額に対する貯蓄金として振り替える。そのために、端数資金振替蓄積DWH20に記憶された資金計算ルール情報と口座情報に基づいて顧客の資金口座から所定の蓄積口座へ振り替える振替資金を計算する資金計算手段11と、資金計算結果情報に基づいて金融機関装置40,50に資金振替指示情報を送信する資金振替指示手段12と、金融機関装置40,50からの資金振替結果情報に基づく蓄積資金情報を生成して顧客端末60に送信する蓄積資金情報生成手段13と、端数資金振替蓄積DWH20に記憶された蓄積資金情報と目標金額情報に基づいて、目標金額に対する蓄積資金の達成度を算出する目標金額達成度算出手段14を備える構成としてある。
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: Japanese (JA)
Filing Language: Japanese (JA)