USER CONFIGURABLE DEMAND DEPOSIT ACCOUNT SYSTEM AND METHOD
专利汇可以提供USER CONFIGURABLE DEMAND DEPOSIT ACCOUNT SYSTEM AND METHOD专利检索，专利查询，专利分析的服务。并且A computer-implemented or manual process is disclosed for a user to configure important features of a demand deposit account, as at a financial institution such as a bank, for features and periodic cost using options for each feature as set by the institution. Interest paid, balance levels, teller and ATM uses, direct deposit, canceled check return, and other features have two to fifteen or more options which can be selected among. The user, working directly at a computer terminal or through an agent using a terminal or printed materials displaying the features and options, selects a desired option for each feature of the account from among those offered, depending on the user's needs and habits. When an option is selected and submitted for all the features, the system computes the monthly cost of account from a database or look-up table and displays that cost, the options selected for each of the features, and whether alternatives are available for lowering the cost or increasing the services. The user can accept the account or can explore any alternatives shown. Alternative options are displayed for reducing the cost of the account and for increasing the services in the account, and, on each iteration, the new cost, options, and further alternatives are shown. When the account configuration is accepted, then the user's identification is taken and the account is set up. The account may, however, be subject to credit approvals and/or signing of account agreements.，下面是USER CONFIGURABLE DEMAND DEPOSIT ACCOUNT SYSTEM AND METHOD专利的具体信息内容。
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