Periodic e-mail delivery of bank account information

Abstract

A computer-based banking method including the steps of (1) creating an account for a customer into which funds may be deposited and from which funds may be paid upon request to designated payees; (2) allocating funds deposited by the customer to the account; (3) transferring funds upon request from the account to designated payees subject to fund availability, wherein the allocated funds are debited by amount of funds transferred to provide a lowered account balance against which future transfers are evaluated; and (4) automatically sending a periodic e-mail to the fund depositor with information including the lowered account balance. Accounts in which monthly itemized statements are generated that may be accessed by the customer using their home personal computer are also disclosed.

1 . A computer-based banking method comprising:
 creating an account for a customer into which funds may be deposited and from which funds may be paid upon request to designated payees;   allocating funds deposited by said customer to said account;   transferring funds upon request from said account to designated payees subject to fund availability, wherein said allocated funds are debited by the amount of funds transferred to provide a lowered account balance against which future transfers are evaluated; and   automatically sending a periodic e-mail to said fund depositor with information comprising said lowered account balance.   
   
   
       2 . The method of  claim 1 , wherein said e-mail is sent daily. 
   
   
       3 . The method of  claim 1 , wherein a statement account is generated monthly and may be accessed by said customer using their home personal computer. 
   
   
       4 . A computer-based banking method comprising:
 creating an account for a customer into which funds may be deposited and from which funds may be paid upon request to designated payees;   allocating funds deposited by said customer to said account;   transferring funds upon request from said account to designated payees subject to fund availability, wherein said allocated funds are debited by the amount of funds transferred to provide a lowered account balance against which future transfers are evaluated; and   generating an itemized monthly statement account that may be accessed by said customer using their home personal computer.   
   
   
       5 . The method of  claim 4 , wherein said monthly statement is sent by e-mail to said customer. 
   
   
       6 . The method of  claim 4 , wherein said statement is made accessible to said customer by their home personal computer as and alternative to supplying said customer with a printed statement.