WO2008150243A3 - Funds management method and system - Google Patents

Funds management method and system Download PDF

Info

Publication number
WO2008150243A3
WO2008150243A3 PCT/SG2008/000203 SG2008000203W WO2008150243A3 WO 2008150243 A3 WO2008150243 A3 WO 2008150243A3 SG 2008000203 W SG2008000203 W SG 2008000203W WO 2008150243 A3 WO2008150243 A3 WO 2008150243A3
Authority
WO
WIPO (PCT)
Prior art keywords
accounts
loan
funds
deposit
management method
Prior art date
Application number
PCT/SG2008/000203
Other languages
French (fr)
Other versions
WO2008150243A2 (en
Inventor
Anthony Kin Chu Cheung
Andy Hak Keung Hon
Lewes Kwok Keung Kam
Tom Mccabe
Peck Sim Pereira
Original Assignee
Standard Chartered Bank
Anthony Kin Chu Cheung
Andy Hak Keung Hon
Lewes Kwok Keung Kam
Tom Mccabe
Peck Sim Pereira
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 Standard Chartered Bank, Anthony Kin Chu Cheung, Andy Hak Keung Hon, Lewes Kwok Keung Kam, Tom Mccabe, Peck Sim Pereira filed Critical Standard Chartered Bank
Publication of WO2008150243A2 publication Critical patent/WO2008150243A2/en
Publication of WO2008150243A3 publication Critical patent/WO2008150243A3/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis
    • 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 method of managing funds between linked accounts, the linked accounts including a plurality of loan accounts (208, 210) and a plurality of deposit accounts (212, 214, 216). The method includes the steps of: receiving deposit funds into one or more of deposit or loan accounts; and moving the deposit funds to offset (226) borrowings in the plurality of loan accounts to minimise interest paid, up to a first predetermined limit of the deposit funds being moved into a first loan account with up to a second predetermined limit of any excess funds being moved into a second loan account, the first and second loan accounts being determined according to one or more predetermined fund allocation criteria.
PCT/SG2008/000203 2007-06-04 2008-06-04 Funds management method and system WO2008150243A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SG200704007-4 2007-06-04
SG200704007-4A SG148076A1 (en) 2007-06-04 2007-06-04 Funds management method and system

Publications (2)

Publication Number Publication Date
WO2008150243A2 WO2008150243A2 (en) 2008-12-11
WO2008150243A3 true WO2008150243A3 (en) 2009-02-26

Family

ID=40094322

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/SG2008/000203 WO2008150243A2 (en) 2007-06-04 2008-06-04 Funds management method and system

Country Status (5)

Country Link
KR (1) KR20080106837A (en)
CN (1) CN101320462A (en)
SG (1) SG148076A1 (en)
TW (1) TW200912792A (en)
WO (1) WO2008150243A2 (en)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8275685B2 (en) 2010-01-04 2012-09-25 Bank Of America Corporation Determining a payment strategy
US8463703B1 (en) 2012-02-22 2013-06-11 Citibank, N.A. Methods and systems for customer incentive awards
US11250503B1 (en) * 2017-12-27 2022-02-15 Square, Inc. User interface for presenting capital offers
TWI696143B (en) * 2018-01-25 2020-06-11 合作金庫商業銀行股份有限公司 Cloud housekeeping system
CN108510386A (en) * 2018-04-04 2018-09-07 北京全亚信息服务有限公司 A kind of network loan system, method, terminal and medium
US11379913B1 (en) 2018-05-31 2022-07-05 Block, Inc. Electronic payroll funds transfer delay and failed transfer coverage
US11107157B1 (en) 2018-05-31 2021-08-31 Square, Inc. Intelligent modification of capital loan offerings at point-of-sale
US11176607B1 (en) 2018-06-28 2021-11-16 Square, Inc. Capital loan optimization
CN109102281A (en) * 2018-07-31 2018-12-28 北京比特大陆科技有限公司 A kind of method and apparatus for realizing the integration of digital cash transaction record
TWI761673B (en) * 2019-04-09 2022-04-21 許家燁 Debt repayment system and debt management method

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004084047A2 (en) * 2003-03-19 2004-09-30 Digital World Access, Inc. Single source money management system
US20060047593A1 (en) * 2004-09-01 2006-03-02 Ubs Financial Services Inc. Method and system for funds management
US7174313B1 (en) * 1999-03-04 2007-02-06 Merrill, Lynch, Pierce, Fenner & Smith Portfolio rebalancing system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7174313B1 (en) * 1999-03-04 2007-02-06 Merrill, Lynch, Pierce, Fenner & Smith Portfolio rebalancing system
WO2004084047A2 (en) * 2003-03-19 2004-09-30 Digital World Access, Inc. Single source money management system
US20060047593A1 (en) * 2004-09-01 2006-03-02 Ubs Financial Services Inc. Method and system for funds management

Also Published As

Publication number Publication date
KR20080106837A (en) 2008-12-09
TW200912792A (en) 2009-03-16
CN101320462A (en) 2008-12-10
WO2008150243A2 (en) 2008-12-11
SG148076A1 (en) 2008-12-31

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