BANK ACCOUNT BALANCE MANAGING SYSTEM AND MANAGING METHOD THEREOF

摘要

PROBLEM TO BE SOLVED: To enable a user who uses a cash card and a credit card together to integrally manage his/her bank account and credit card usage.;SOLUTION: A bank system 100 includes expected balance calculation means which acquires bank account activity data for a prescribed period and calculates an expected bank account balance for a prescribed period on the basis of the bank account activity data and the past bank account activity tendency when receiving a withdrawal request from an ATM 150. A credit card company system 200 includes expected balance correction means which acquires a credit card usage data for a prescribed period and corrects the user's expected bank account balance for the prescribed period on the basis of the credit card usage data when receiving an inquiry about the user's credit card usage from the bank system 100 or a settlement request. The credit card company system 200 transmits a correction result of the expected bank account balance to the bank system 100 or a POS terminal 250.;COPYRIGHT: (C)2015,JPO&INPIT