公开(公告)号：US07761355B2

公开(公告)日：2010-07-20

申请号：US11750535

申请日：2007-05-18

申请人： Guy Mallon ,  Anna Lisa Tazartes ,  David James ,  Kunal Malani ,  Donata Calefato ,  Rajesh Gupta

发明人： Guy Mallon ,  Anna Lisa Tazartes ,  David James ,  Kunal Malani ,  Donata Calefato ,  Rajesh Gupta

IPC分类号： G06Q40/00 ,  G07B17/00

CPC分类号： G06Q20/04 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/08 ,  G06Q40/12

摘要： A computer apparatus for performing financial transaction processing on a plurality of accounts is disclosed. The computer apparatus comprises a data storage device having a plurality of account files, each account file storing data relating to a particular account; a data processor for processing data relating to the account files; an input for receiving data relating to the account files and an output for outputting data relating to the account files. The input is arranged to receive data relating to debits and credits for particular account files which are processed by the data processor and stored in the corresponding account files on the data storage device. The data processor is arranged such that an account holder may have the file for their account on the data storage device marked with an indicator for activation of assistance when the account holder for that particular account file has committed expenditure which is greater than income.

摘要翻译： 公开了一种用于在多个帐户上执行金融交易处理的计算机装置。 计算机装置包括具有多个帐户文件的数据存储装置，每个帐户文件存储与特定帐户有关的数据; 用于处理与所述帐户文件有关的数据的数据处理器; 用于接收与所述帐户文件有关的数据的输入和用于输出与所述帐户文件有关的数据的输出。 输入被设置为接收与由数据处理器处理并存储在数据存储设备上的相应帐户文件中的特定帐户文件的借方和贷方相关的数据。 数据处理器被布置成使得当该特定帐户文件的账户持有者承担大于收入的支出时，帐户持有者可以在标记有用于激活援助的指示符的数据存储设备上具有用于其帐户的文件。

公开(公告)号：US20080288296A1

公开(公告)日：2008-11-20

申请号：US11750535

申请日：2007-05-18

申请人： Guy Mallon ,  Anna Lisa Tazartes ,  David James ,  Kunal Malani ,  Donata Calefato ,  Rajesh Gupta

发明人： Guy Mallon ,  Anna Lisa Tazartes ,  David James ,  Kunal Malani ,  Donata Calefato ,  Rajesh Gupta

IPC分类号： G06Q40/00

CPC分类号： G06Q20/04 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/08 ,  G06Q40/12

摘要： A computer apparatus for performing financial transaction processing on a plurality of accounts is disclosed. The computer apparatus comprises a data storage device having a plurality of account files, with each account file storing data relating to a particular account; a data processor for processing data relating to the account files; an input for receiving data relating to the account files and an output for outputting data relating to the account files. The input is arranged to receive data relating to debits and credits for particular account files which are processed by the data processor and stored in the corresponding account files on the data storage device. The data processor is arranged such that an account holder may have the file for their account on the data storage device marked with an indicator for activation of assistance when the account holder for that particular account file has committed expenditure which is greater than income. The marking of an account file on a computer apparatus may initiate, for example, the cancellation or repayment of at least a proportion, such as 50%, of an account file's balance on the computer apparatus, the interruption of any further debits from the account and the prompting of a financial review for the account holder which may include debt counselling. The outcome of the debt counselling may initiate cancellation or repayment of any remaining proportion of the account balance on the computer apparatus and closing or freezing of the account. Alternatively, the account on the computer apparatus may be “un-marked” such that it no longer indicates activation of assistance.

摘要翻译： 公开了一种用于在多个帐户上执行金融交易处理的计算机装置。 计算机装置包括具有多个帐户文件的数据存储装置，每个帐户文件存储与特定帐户有关的数据; 用于处理与所述帐户文件有关的数据的数据处理器; 用于接收与所述帐户文件有关的数据的输入和用于输出与所述帐户文件有关的数据的输出。 输入被设置为接收与由数据处理器处理并存储在数据存储设备上的相应帐户文件中的特定帐户文件的借方和贷方相关的数据。 数据处理器被布置成使得当该特定帐户文件的账户持有者承担大于收入的支出时，帐户持有者可以在标记有用于激活援助的指示符的数据存储设备上具有用于其帐户的文件。 计算机设备上的帐户文件的标记可以启动例如取消或还原计算机装置上的帐户文件余额的至少一部分，例如50％，中断账户中的任何进一步的借记 并提出可能包括债务咨询的帐户持有者的财务审查。 债务咨询的结果可能会启动取消或偿还计算机设备上帐户余额的剩余比例，并关闭或冻结账户。 或者，计算机装置上的帐户可以是“未标记”，使得其不再指示协助的激活。