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Business Model Patent : Integrated Money Management System(IMMS)

IP.com Disclosure Number: IPCOM000013034D
Original Publication Date: 2001-Jul-26
Included in the Prior Art Database: 2003-Jun-12

Publishing Venue

IBM

Abstract

Disclosed is a service which enables user to access/transact his total money as one account. And this service enables to control his money most effectively based on the customer's priority. Normally, a person has many cash cards and credit cards and deals with many banks, securities, card companies, etc.. He controls his accounts relationlessly each other. On the other hand, banks offers many services such as safe box, money transfer service without charge, etc. based on customer's money amount in the account. This invention(called IMMS hereafter) acts as a middleman between the user and banks, securities, card companies etc. and enables the customer to access his accounts with only one IMMS cash card. So, with IMMS cash card, he can access any of his accounts and control all of his money as integrated.