초록 ▼

A system and method for enhancing financial institution revenue through acceleration of debit processing is provided. The method includes modeling the processing of account debit transactions, identifying ways to accelerate the processing of the account debit transactions and accelerating the accoun

A system and method for enhancing financial institution revenue through acceleration of debit processing is provided. The method includes modeling the processing of account debit transactions, identifying ways to accelerate the processing of the account debit transactions and accelerating the account debit transactions. In a further embodiment, account debit transaction processing is accelerated from beginning on what has traditionally been referred to as Day 0 to beginning on some day before Day 0.

대표청구항 ▼

What is claimed is: 1. A system for increasing revenue of a financial institution through acceleration of debit transaction posting to customer accounts, wherein acceleration is relative to credit activity in the same customer accounts, comprising: (a) means for selecting a customer account type th

What is claimed is: 1. A system for increasing revenue of a financial institution through acceleration of debit transaction posting to customer accounts, wherein acceleration is relative to credit activity in the same customer accounts, comprising: (a) means for selecting a customer account type that will yield increased revenue to the financial institution when debit transaction posting is accelerated, wherein acceleration is relative to credit activity in the same customer accounts; (b) means for selecting a debit type, wherein if the posting of debit transactions within the debit type to a customer account within the customer account type identified is accelerated, customer account balances within the customer account type will be less for a period of time than if posting of the debit type had not been accelerated; and (c) means for implementing an acceleration technique to accelerate the posting of debit transactions in the debit type. 2. The system of claim 1, wherein the means for implementing an acceleration technique further comprises; (i) means for mapping the processing of the debit type; and (ii) means for identifying processing intervals that can be reduced. 3. The system of claim 1, wherein said customer account type is an interest expense account, interest revenue account, or a fee bearing account. 4. The system of claim 1, wherein said debit type is a customer-initiated debit type or a bank-initiated debit type. 5. A system for increasing revenue of a financial institution through acceleration of debit transaction posting to customer accounts, wherein acceleration is relative to credit activity in the same customer accounts, comprising: (a) means for selecting a customer account type that will yield increased revenue to the financial institution when debit transaction posting is accelerated, wherein acceleration is relative to credit activity in the same customer accounts; (b) means for selecting a debit type, wherein if the posting of debit transactions within the debit type to a customer account within the customer account type identified is accelerated, customer account balances within the customer account type will be less for a period of time than if posting of the debit type had not been accelerated; (c) means for identifying what constitutes Day 0 of the processing of a debit transaction within the debit type, wherein Day 0 is a day when the financial institution determines that a debit has begun processing at the financial institution; and (d) means for creating a new method for processing the debit transaction, wherein processing of the debit transaction begins prior to said Day 0. 6. The system of claim 5, wherein said customer account type is an interest expense account, interest revenue account, or a fee bearing account. 7. The system of claim 5, wherein said debit type is a customer-initiated debit type or a bank-initiated debit type. 8. A system for increasing revenue of a financial institution through acceleration of debit transaction posting to customer accounts, wherein acceleration is relative to credit activity in the same customer accounts, comprising: (a) means for selecting a customer account type that will yield increased revenue to the financial institution when debit transaction posting is accelerated; (b) means for selecting a debit type, wherein if the posting of debit transactions within the debit type to a customer account within the customer account type identified is accelerated, customer account balances within the customer account type will be less for a period of time than if posting of the debit type had not been accelerated; (c) means for implementing an acceleration technique to accelerate the posting of debit transactions in the debit type; and (d) means for determining the revenue impact of accelerating the posting of debit transactions with the debit type to customer accounts within the customer account type. 9. The system of claim 8, wherein the means for implementing an acceleration technique further comprises; (i) means for mapping the processing of the debit type; and (ii) means for identifying processing intervals that can be reduced. 10. The system of claim 8, wherein said customer account type is an interest expense account, interest revenue account, or a fee bearing account. 11. The system of claim 8, wherein said debit type is a customer-initiated debit type or a bank-initiated debit type.