Multi-subscriber bank settlement account with different operation authority

A technology for operating authority and operating users, which is applied in the direction of complete banking system, complete banking system, handling coins or valuable banknotes, etc., and can solve problems such as the inability of agents to achieve effective control

Inactive Publication Date: 2006-09-20
石瑞雪
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The savings account can only handle savings business; the settlement account can handle transfer and settlement business in addition to savings business. However, the legal user is only the head of the household. If the head of the household authorizes someone else to do it on his behalf, the agent has the same transaction authority as the head of the household. , the head of household cannot effectively control the agent

Method used

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Examples

Experimental program
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Embodiment Construction

[0007] A is a high-level stockbroker. In order to obtain professional services from A, client B signed a trust agreement with A. A will invest in stocks for B on behalf of B. B will pay handling fees to A every year according to the income. Customer B opened a multi-user bank settlement account with different operating rights in the bank with his own name, and at the same time created an operating user with the name of A, and set the operating authority of A as Yinquantong (passbook stock trading), and the transaction amount is less than RMB 500,000 yuan. After one year of operation, B has increased the value of the principal of 500,000 yuan to 650,000 yuan, and realized a profit of 150,000 yuan. B has paid the corresponding handling fee according to the agreement. B also wants to continue to invest in stocks on behalf of B. After renewing the agreement , and set the transaction amount to 650,000 yuan. If B is monitoring the operation of A and finds that A has not reached the...

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PUM

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Abstract

The invention is a multiuser balance account with different operation authorities, having plural users, a super user and several operating users, and different users possess different trade authorities, and the account holder acts as the only super user and holds a super password (changeable or modifiable); the super user establishes and terminates the operating users and sets and cancels trade authorities of the operating users (trade kinds and limit); the operating users hold operating passwords (changeable or modifiable) and make operations only in the authorized range of the super user. It builds a credit platform between super user and operating users.

Description

Technical field [0001] The invention belongs to a financial product of a commercial bank and can build a credit platform for personal financial management and personal trust business. Background technique [0002] At present, personal accounts in commercial banks are divided into savings accounts and settlement accounts. The savings account can only handle savings business; the settlement account can handle transfer and settlement business in addition to savings business. However, the legal user is only the head of the household. If the head of the household authorizes someone else to do it on his behalf, the agent has the same transaction authority as the head of the household. , the head of household cannot effectively control the agent. Contents of the invention [0003] In order to realize the effective control of the head of the household on the agent, the invention provides a bank settlement account, and the head of the household can effectively control the agent. ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07F19/00
Inventor 石瑞雪
Owner 石瑞雪
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