| 摘要 |
In a typical scenario, a bank provides the following on-line service to their customers (users), implemented as a software program in a server associated with the bank. The server is able to access allocation files that are programmable via the internet by a user. The user specifies rules in the allocation files identifying one or more percentages associated with respective ones of the user's secondary accounts to be applied to future deposits to the user's primary account (such as a checking account). Examples of secondary accounts may include a tax account, a retirement account, etc. The user also specifies one or more priorities associated with the respective secondary accounts. When a new deposit is made to the primary account, or on a pre-set periodic basis, the rules are automatically applied by the server to transfer the pre-set percentages of the deposits to the respective secondary accounts in the priority order. |
| 主权项 |
1. A system for allocating monetary amounts from deposits in a primary account to one or more secondary accounts comprising:
a server; the server being able to access allocation files that are programmable via the internet by a user; a primary account, associated with a first entity, into which deposits are made from one or more sources; and allocation files stored in a memory accessible by the server, the allocation files containing rules programmed by the user via the internet, the rules comprising at least the following:
one or more percentages associated with respective one or more secondary accounts to be applied to future deposits made to the primary account, the one or more secondary accounts being under control of the user and being associated with the user;one or more priorities associated with the respective one or more of the secondary accounts, wherein the server is programmed to automatically apply the one or more percentages and the one or more priorities to amounts later deposited in the primary account and initiate transfer of those percentages of the deposits to the respective one or more secondary accounts in accordance with rules pre-programmed by the user, and wherein the server is programmed to deduct from the primary account a predetermined first percentage, associated with a certain priority secondary account, in accordance with the rules, then, after the first percentage has been subtracted from the primary account, deduct from the remaining primary account a predetermined second percentage, associated with a lower priority secondary account, in accordance with the rules. |
