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11. 发明授权

US08311939B1 Method and system for allocating deposits over a plurality of depository institutions 有权
标题翻译：在多个存托机构中分配存款的方法和系统
公开(公告)号：US08311939B1
公开(公告)日：2012-11-13
申请号：US12794545
申请日：2010-06-04
申请人： Bruce Bent , Bruce Bent, II , Rebecca Gareis Bent , David Edgar Gareis
发明人： Bruce Bent , Bruce Bent, II , Rebecca Gareis Bent , David Edgar Gareis
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/108 , G06Q40/00 , G06Q40/02
摘要： Method, system and program product, the method comprising: accessing databases, comprising: information for a plurality of FDIC-insured and interest-bearing aggregated deposit accounts held in a plurality of banks, and client account information; obtaining a deposit amount, Di; calculating a client first amount, FAi, comprising a first percentage X, multiplied by the deposit amount, Di, to be distributed approximately equally among a client Ni banks; calculating a client second amount, SAi, comprising a second percentage, Y, multiplied by the client amount, Di, to be distributed approximately equally among client Mi banks in the program; allocating a respective portion of the client first amount, FAi, to each of the respective client Ni banks in the program, and allocating a respective portion of the client second amount, SAi, to each of the respective client Mi banks in the program; generating data for transferring funds; and updating the electronic databases.
摘要翻译：方法，系统和程序产品，所述方法包括：访问数据库，包括：多个银行中持有的多个FDIC保险和计息累计存款账户的信息，以及客户帐户信息; 取得存款金额; 计算客户第一金额FAi，其包括第一百分比X乘以存款金额Di，以在客户端Ni银行中大致平均地分配; 计算客户端第二数量SAi，其包括第二百分比Y乘以客户端数量Di，以在程序中的客户端Mi组中大致相等地分布; 将客户端第一数量FAI的相应部分分配给节目中的各个客户端Ni银行，并将客户端第二数量SAi的相应部分分配给节目中的各个客户端Mi组; 产生转移资金的数据; 并更新电子数据库。

12. 发明授权

US08290861B1 Systems and methods for providing enhanced account management services for multiple banks 有权
标题翻译：为多个银行提供增强的帐户管理服务的系统和方法
公开(公告)号：US08290861B1
公开(公告)日：2012-10-16
申请号：US12453389
申请日：2009-05-08
申请人： Bruce Bent , Bruce Bent, II
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： A system, method and program product for managing funds, comprising: databases comprising: aggregated transaction account information for plurality of FDIC-insured and interest-bearing aggregated deposit accounts, and client transaction account information; first computation engine for computing respective excess amount by which a balance of funds from that client transaction account exceeds specified amount; first allocation engine allocating respective excess amounts to one or more aggregated deposit accounts in one or more other financial institutions; second computation engine for determining first amount comprising a sum of a plurality excess amounts to one or more aggregated deposit accounts; second allocation engine for allocating to the one financial institution second amount based on a difference between a sum of funds deposited in the one or more aggregated deposit accounts and sum of current balances from the primary client transaction accounts associated with the one financial institution; update engine, and instruction generator.
摘要翻译：一种用于管理资金的系统，方法和程序产品，包括：数据库，包括：用于多个FDIC保险和有息累计存款账户的汇总交易账户信息，以及客户交易账户信息; 用于计算来自该客户交易账户的资金余额超过指定金额的相应超额金额的第一计算引擎; 第一分配引擎将相应的超额金额分配给一个或多个其他金融机构中的一个或多个汇总的存款账户; 第二计算引擎，用于确定第一金额，其包括多个过量金额与一个或多个聚合存款账户的和; 第二分配引擎，用于基于存储在所述一个或多个汇总存款账户中的资金总额与来自与所述一个金融机构相关联的主要客户交易账户的当前余额的总和之间的差额来分配给所述一个金融机构的第二金额; 更新引擎和指令生成器。

13. 发明授权

US08290860B1 Systems and methods for providing enhanced account management services for multiple banks 有权
标题翻译：为多个银行提供增强的帐户管理服务的系统和方法
公开(公告)号：US08290860B1
公开(公告)日：2012-10-16
申请号：US12408523
申请日：2009-03-20
申请人： Bruce Bent , Bruce Bent, II
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： This invention includes methods for delivering account management services to multiple financial institutions that provide for customer deposit accounts without transaction but than nevertheless offer interest and receive enhanced deposit insurance. The methods apply at least one customer transaction to that customer's deposit account, and then re-allocate customer-deposited funds among the plurality of financial institutions in order that, for each customer, the risk of loss is not substantially increased, and that, for each financial institution, the amount of customer-deposited funds is not substantially decreased. Preferably, risk of loss is reduced by increasing the fraction of each customer's deposited funds covered by FDIC deposit insurance, and interest and enhanced insurance are available by innovative management of customer transactions and accounts. This invention also includes computer systems for practicing the methods and program products for accordingly configuring such computer systems.
摘要翻译：本发明包括向不同交易提供客户存款账户的多个金融机构交付账户管理服务的方法，但不是提供利息并接收增强的存款保险。该方法将至少一个客户交易应用于该客户的存款账户，然后在多个金融机构中重新分配客户存放的资金，以便为每个客户提供损失风险没有显着增加，而对于每个金融机构，客户存款金额没有大幅度减少。优选地，通过增加FDIC存款保险覆盖的每个客户的存款的分数来减少损失风险，并且通过客户交易和账户的创新管理来获得利息和增强的保险。本发明还包括用于实施用于相应地配置这样的计算机系统的方法和程序产品的计算机系统。

14. 发明授权

US08290859B1 Systems and methods for providing enhanced account management services for multiple banks 有权
公开(公告)号：US08290859B1
公开(公告)日：2012-10-16
申请号：US12408511
申请日：2009-03-20
申请人： Bruce Bent , Bruce Bent, II
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： This invention includes methods for delivering account management services to multiple financial institutions that provide for customer deposit accounts without transaction but than nevertheless offer interest and receive enhanced deposit insurance. The methods apply at least one customer transaction to that customer's deposit account, and then re-allocate customer-deposited funds among the plurality of financial institutions in order that, for each customer, the risk of loss is not substantially increased, and that, for each financial institution, the amount of customer-deposited funds is not substantially decreased. Preferably, risk of loss is reduced by increasing the fraction of each customer's deposited funds covered by FDIC deposit insurance, and interest and enhanced insurance are available by innovative management of customer transactions and accounts. This invention also includes computer systems for practicing the methods and program products for accordingly configuring such computer systems.

15. 发明授权

US08260705B1 Systems, methods and program products for deposit and withdrawal processing 有权
标题翻译：用于存取款处理的系统，方法和程序产品
公开(公告)号：US08260705B1
公开(公告)日：2012-09-04
申请号：US12974974
申请日：2010-12-21
申请人： Bruce Bent , Bruce Bent, II , David Edgar Gareis , Thomas J. O'Donnell
发明人： Bruce Bent , Bruce Bent, II , David Edgar Gareis , Thomas J. O'Donnell
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06
摘要： A method, system and program product, the method comprising: obtaining a plurality of net credit/debit amounts during a month period; generating data for depositing/transferring funds to or withdrawing/transferring funds from at least one of one or more aggregated deposit accounts multiple times in a month period, the data generating step comprising generating data for instructions for making a withdrawal/transfer from funds held at one of the one or more depository institutions more than six (6) times during the month period, comprising presenting instructions to the respective one depository institution using one or more of the methods: in person, or by mail, or, by messenger, or by telephone and distributed by mail, or by automated teller machine, or a combination thereof for substantially all of the withdrawals/transfers except for a set of at least one but not more than six withdrawals within the month period.
摘要翻译：一种方法，系统和程序产品，所述方法包括：在一个月期间内获得多个净信用/借记金额; 生成用于在一个月内多次从一个或多个聚合存款账户中的至少一个存入/转账资金或从其中提取资金的数据，所述数据生成步骤包括生成用于进行从其中一个或多个托管机构在该月份期间超过六（6）次，其中包括使用一种或多种方法向相应的一个存托机构提供指示：亲自或通过邮寄，或通过信使或通过电子邮件或自动取款机或其组合进行实质上所有的提款/转账，除了一个月内至少一次但不超过六次的提款。

16. 发明授权

US08260697B1 Systems and methods for money fund banking with flexible interest allocation 有权
标题翻译：货币基金银行的灵活利益分配制度和方法
公开(公告)号：US08260697B1
公开(公告)日：2012-09-04
申请号：US13181394
申请日：2011-07-12
申请人： Bruce Bent , Bruce Bent, II
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q40/00 , G06Q40/06 , G06Q40/08
摘要： This invention provides system and methods for managing accounts of clients at customer financial entities so that deposits of up to $100,000 or greater are insured, so that interest income earned on a portion of all of the account balances may be flexibly allocated according to customer instructions, and so that withdrawals are not limited. These objects are satisfied by holding client funds at interest-earning money market deposit accounts at one or more banks or savings institutions. More particularly, this invention provides methods for receiving client transaction information, determining a net transfer of funds into or out of each client account from transaction information, causing transfer of funds from the insured, interest-bearing deposit accounts to match the net transfer of funds into or out of each client account, and allocating interest earned by the deposit accounts to clients according to customer instructions. This invention also provides systems and software products implementing these methods.
摘要翻译：本发明提供了用于管理客户金融实体的客户帐户的系统和方法，使得保险金高达10万美元以上的存款，以便可以根据客户指令灵活地分配所有帐户余额中的一部分获得的利息收入，所以提款不受限制。通过将客户资金用于一家或多家银行或储蓄机构的赚钱市场存款账户来满足这些目标。更具体地，本发明提供了接收客户交易信息的方法，确定从交易信息中进入或退出每个客户帐户的资金的净转移，导致从被保险的有息存款账户转移资金以匹配净资金转移进入或退出每个客户帐户，并根据客户指示将存款帐户的利息分配给客户。本发明还提供了实现这些方法的系统和软件产品。

17. 发明授权

US11367138B1 Method and system for allocating deposits over a plurality of depository institutions 有权
公开(公告)号：US11367138B1
公开(公告)日：2022-06-21
申请号：US16715944
申请日：2019-12-16
申请人： Island Intellectual Property LLC
发明人： Bruce Bent , Bruce Bent, II , Rebecca Gareis Bent , David Edgar Gareis
IPC分类号： G06Q40/00 , G06Q40/06 , G06Q40/02
摘要： A method, system, and program product, the method comprising: (1) aggregated account information FDIC aggregated deposit accounts held in a plurality of banks; (2) client account information: (1) obtaining a client available deposit amount, Di; (2) determining, a bank number tier, Ti, for the client account, from among a plurality of tiers based, at least in part, on a level of funds associated with the respective client or relative to tier ranges, wherein each tier has a number of banks associated therewith or a function for computing the number of banks associated therewith; (3) allocating the client available deposit amount, Di, across a number of banks, NT, equal to the number associated electronically with the tier, Ti; and generating data to transfer funds to or from one or more of the banks.

18. 发明授权

US10068294B1 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 有权
公开(公告)号：US10068294B1
公开(公告)日：2018-09-04
申请号：US14268479
申请日：2014-05-02
申请人： Island Intellectual Property LLC
发明人： Bruce Bent , Bruce Bent, II , Rebecca Gareis Bent , David Edgar Gareis
IPC分类号： G06Q40/00 , G06Q40/08
CPC分类号： G06Q40/08 , G06Q20/00 , G06Q40/00 , G06Q40/04 , G06Q40/06
摘要： A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective clients, comprising a balance of funds of the client; a distribution percent value, Xi, for tranches; information for each of multiple government backed-insured aggregated time deposit instruments holding a tranche of client funds, comprising: a rate; an identification of the depository institution; a term; and determining a given client available distribution amount, Di; determining an amount of a client tranche to be deposited in each of Ni depository institutions based at least in part on the percentage, Xi, in order that the client tranches are approximately equal and are insured; determining Ni depository institutions to distribute the client tranches; allocating substantially equally respective client tranches to the Ni depository institutions; generating data for instructions to transfer the respective client tranches; updating, the databases.

19. 发明授权

US09805344B1 Notification system and method 有权
公开(公告)号：US09805344B1
公开(公告)日：2017-10-31
申请号：US14933703
申请日：2015-11-05
申请人： Island Intellectual Property, LLC
发明人： Bruce R. Bent, II , Charles R. Buarque de Macedo
IPC分类号： G06Q20/10
CPC分类号： G06Q20/10 , G06F3/0482 , G06F3/04842 , G06Q20/3827 , G06Q20/3829 , G06Q20/40145 , G06Q2220/00 , H04L9/30 , H04L63/0442 , H04L63/061 , H04L63/083 , H04L63/0861 , H04L63/126
摘要： Systems, methods, and program products for performing cash sweep transactions with customer control are disclosed. A deposit sweep computer system may determine first allocations of funds for a plurality of customers. The system may determine for a first subset of the customers that their funds are allocated to respective different depository institutions than previously used for the respective customer. The system may generate and transmit to client devices associated with the first subset of customers machine-readable instructions to render respective destination institution management graphical user interfaces providing an indication of the respective different depository institutions along with accept options and reject options. The system may receive one or more selections of accept options or reject options. The system may then determine and execute second allocations based at least in part upon the first allocations and the one or more selections of the reject options.

20. 发明授权

US08719157B1 System and method for investing public deposits 有权
标题翻译：投资公共存款的制度和方法
公开(公告)号：US08719157B1
公开(公告)日：2014-05-06
申请号：US13715370
申请日：2012-12-14
申请人： Island Intellectual Property LLC
发明人： Bruce Bent , Bruce Bent, II , Arthur T. Bent, III
IPC分类号： G06Q20/10 , G06Q40/04
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q40/00
摘要： A method, system and program product for operating an exchange method for municipal and/or state funds from banking institutions, comprising: accessing, one or more electronic databases holding data on client transaction accounts and funds in aggregated accounts and banking institutions holding Federal government securities; obtaining transaction data; generating instructions to deposit/transfer funds to or withdraw/transfer funds; receiving data for a first deposit from a first one of the banking institutions, where the first deposit comprises municipal funds and/or state funds; selecting, at least another of the banking institutions holding government securities to receive at least a portion of the first deposit of municipal funds and/or state funds; selecting, a plurality of client transaction accounts from one or more of the other banking institutions for the transfer of funds to the first banking institution; generating instructions to deposit/transfer funds.
摘要翻译：一种用于操作银行机构的市政和/或国家资金的交换方法的方法，系统和程序产品，包括：访问一个或多个电子数据库，其中存储客户交易账户数据和汇总账户中的资金以及持有联邦政府证券的银行机构 ; 获取交易数据; 产生存款/转账资金或转出资金的指示; 接收来自第一家银行机构的第一笔存款的数据，其中第一笔存款包括市级基金和/或国家资金; 选择至少另一个持有政府证券的银行机构至少收到市政资金和/或国家资金首次存款的一部分; 从一个或多个其他银行机构中选择多个用于向第一银行机构转移资金的客户交易账户; 生成存款/转账资金的指示。

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