Patent ID: 7509287
Filing Date: 2009-03-24
Classification: G06Q

Abstract:
1. A system for automatically adjusting deposit balance which automatically transfers money between a plurality of floating deposit accounts established in one or more financial institutions for a depositor, the system for automatically adjusting deposit balance comprising: specified balance setting means for setting plus specified balance for said floating deposit accounts, means for calculating an excess amount by subtracting the plus specified balance for one floating deposit account from the balance of the one floating deposit account, means for calculating an allowable amount by subtracting the balance of another floating deposit account from the plus specified balance for the other floating deposit account, means for comparing said excess amount with said allowable amount, transfer means for transferring one of lesser amount of said excess and allowable amounts from the one floating deposit account to the other floating deposit account, and automatic specified balance updating means for increasing or decreasing said plus specified balance in response to fluctuation of a balance of a non-floating deposit account established for said depositor and/or fluctuation of a balance of debt which can be offset with an amount of insurance deposit that is the subject of a deposit insurance system.