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1. 发明授权

US5649116A Integrated decision management system 失效
标题翻译：综合决策管理系统
公开(公告)号：US5649116A
公开(公告)日：1997-07-15
申请号：US415231
申请日：1995-03-30
申请人： Randal A. McCoy , Beverly Kennedy
发明人： Randal A. McCoy , Beverly Kennedy
IPC分类号： G06Q20/40 , G07F7/08 , G06G7/52
CPC分类号： G07F7/08 , G06Q20/4016 , G06Q20/4037 , G06Q20/405 , G06Q40/025 , G06Q40/08
摘要： A computer-based system for managing risk among a plurality of accounts, each account having an associated account exposure, has a means for submitting a transaction to a selected account of a plurality of related accounts and a monitoring means, responsive to the submitting means, for determining a combined exposure of the plurality of related accounts associated with the selected account that would result from the submission of a transaction. A means, responsive to the monitoring means, is provided for authorizing the transaction when the combined exposure determined by the monitoring means is less than a first predetermined limit and for denying a submitted transaction when the combined exposure would exceed the first predetermined limit if the transaction were to be authorized. A means is provided for alerting a first officer when the combined exposure determined by the monitoring means would exceed a second predetermined limit if the transaction were to be authorized. A means is also provided for receiving from the first officer an authorization indicia to the authorizing means and for causing, upon the authorizing means receiving the indicia, the authorizing means to authorize a previously denied transaction. Means are also provided to assess charges for the use of daylight overdraft funds.
摘要翻译：一种用于管理多个帐户中的风险的基于计算机的系统，每个帐户具有相关联的帐户曝光，具有将交易提交到多个相关账户的选定帐户的手段以及响应于所述提交装置的监视装置，用于确定与所选择的帐户相关联的多个相关账户的组合风险，这些账户将由于交易的提交而产生。当监视装置确定的组合曝光小于第一预定限度时，提供响应于监视装置的手段，用于授权交易，并且当组合曝光超过第一预定限度时拒绝提交的交易，如果交易被授权。当交易被授权时，如果由监视装置确定的组合曝光超过第二预定限制，则提供一种手段来提醒警务人员。还提供了一种手段，用于从所述副驾驶接收授权标记给所述授权装置，并且在所述授权装置接收所述标记时使所述授权装置授权先前被拒绝的交易。还提供手段来评估使用日光透支资金的费用。

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