Patent ID: 8341054

Claim:
A device for a bank account management, comprising: an input device adapted to receive information related to a diversification of a first fund of a user; and a processor adapted to: calculate a distribution of the first fund comprising one or more selected currencies, wherein the distribution of the first fund is based upon the diversification information; convert the first fund from a first currency into a converted fund comprising one or more selected currencies based upon the calculated distribution; and record information about the converted fund in a data file for the bank account; wherein the calculation of the distribution of the first fund comprises: calculating a percentage difference in an exchange rate between the first currency and each of the one or more selected currencies over a first time period; calculating one or more ratio values by dividing a percentage difference in exchange rates for each of the one or more selected currencies by a largest percentage difference of an exchange rate over the first time period; and calculating a normalized share for each of the one or more ratio values by: adding each of the one or more ratio values together to equal a ratio value set; and dividing each of the one or more ratio values by the ratio value set.