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31. 发明授权

US09965750B1 Notification system and method 有权
公开(公告)号：US09965750B1
公开(公告)日：2018-05-08
申请号：US15789051
申请日：2017-10-20
申请人： Island Intellectual Property, LLC
发明人： Bruce R. Bent, II , Charles R. Buarque de Macedo
IPC分类号： G06Q40/02 , G06F21/62 , 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.

32. 发明授权

US08781931B1 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：US08781931B1
公开(公告)日：2014-07-15
申请号：US12638544
申请日：2009-12-15
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： A computer system, computer-implemented method, and program product for managing a plurality of client transaction accounts associated with a plurality of respective clients for a plurality of transactions, the system comprising: one or more configured to perform the steps: administering clients' deposits/transfers to and withdrawals/transfers from client transaction accounts; performing the following steps for each client transaction account, i, of a plurality of client transaction accounts: determining a client available deposit amount, Di, comprising funds to be distributed over Ni respective banks in the program; determining, for Di, a value of Ni banks for the respective client transaction account, wherein Ni is a whole number and (X) times (Ni) is equal to or less than 100, where X is a distribution percent value to be distributed to each of the Ni banks; allocating, the percentage, X, multiplied by the respective client available deposit amount, Di, calculating, for each bank of a plurality of the banks in the program, a respective net bank deposit amount for allocation; generating instructions to transfer funds to or from one or more of the aggregated deposit accounts in one or more of the respective banks in the program; and updating one or more of the electronic databases with update data for each of a plurality of the client transaction accounts.
摘要翻译：一种计算机系统，计算机实现的方法和程序产品，用于管理与用于多个事务的多个相应客户端相关联的多个客户端事务帐户，所述系统包括：一个或多个被配置为执行以下步骤：管理客户端的存款 /从客户交易账户转移和转账/转账; 为多个客户交易账户中的每个客户交易账户i执行以下步骤：确定客户可用存款金额，Di，包括将在该程序中的Ni相应银行分配的资金; 对于Di，为每个客户交易账户确定Ni银行的价值，其中Ni是整数，（X）乘以（Ni）等于或小于100，其中X是分配给每个Ni银行; 分配百分比X乘以相应的客户可用存款金额，Di，计算节目中多个银行的每个银行，分配净银行存款金额; 生成指示，将程序中的一个或多个相应银行中的一个或多个汇总存款账户中的一个或多个资金转入; 以及用多个所述客户交易账户中的每一个的更新数据更新所述电子数据库中的一个或多个。

33. 发明授权

US08712911B1 System and method for investing public deposits 有权
公开(公告)号：US08712911B1
公开(公告)日：2014-04-29
申请号：US13839890
申请日：2013-03-15
申请人： Island Intellectual Property LLC
发明人： Bruce Bent , Bruce Bent, II , Arthur T. Bent, III
IPC分类号： G06Q40/06
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.

34. 发明授权

US08688577B1 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：US08688577B1
公开(公告)日：2014-04-01
申请号：US13562961
申请日：2012-07-31
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： Method, system and program product, the system comprising: computer programmed for accessing databases comprising: aggregated deposit account information for plurality of FDIC-insured aggregated deposit accounts held in plurality of depository institutions; and client account information; obtaining fund transfer instructions; allocating fund amounts for other depository institutions; generating data for depositing funds to or withdrawing funds from at least one aggregated deposit account multiple times in a month period, comprising generating data for instructions for making a withdrawal from one depository institution more than six times during the month period, using methods: in person, by mail, messenger, telephone, automated teller machine, for withdrawals except for a set of at least 1-6 withdrawals within last six business days of the month period, and presenting instructions to depository institution using method that counts against a 6 withdrawal limit for this set of the withdrawals during the last six business days of month.
摘要翻译：方法，系统和程序产品，所述系统包括：用于访问数据库的计算机，包括：多个存放机构中存储的多个FDIC保险的累计存款账户的汇总存款账户信息; 和客户帐户信息; 取得资金转账指示; 为其他存托机构分配资金; 生成用于在一个月内多次从至少一个累计存款帐户存入资金或从其中撤回资金的数据，其中包括：在个人期间内使用以下方法生成用于从一个存托机构退出多于六次的指令的数据：通过邮件，信使，电话，自动取款机，除了在该月的最近六个工作日内至少提取一次至少1-6次提款，并向存放机构提供使用方法计数违反6个提款限额的指示在这几个月的最后六个工作日内提取这一套。

35. 发明授权

US08560442B1 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：US08560442B1
公开(公告)日：2013-10-15
申请号：US12453388
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： G06Q20/10 , G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： A method, system and program product, the method comprising: accessing databases comprising: aggregated accounts held at a first banking institution participating in an interchange program, the interchange program comprising a plurality of FDIC-insured and interest-bearing aggregated deposit accounts held in a plurality of banking institutions; and client account information obtaining transfer data for client accounts; receiving aggregated account transfer information for aggregated deposit accounts held in the first banking institution, based at least in part on a difference between the amount comprising a total of funds from the client transaction accounts of the first banking institution held in the aggregated deposit accounts in the other banking institutions participating in the interchange program and the total of funds held in the one or more aggregated deposit accounts held in the first banking institution; receiving a transfer of funds; updating the databases.
摘要翻译：一种方法，系统和程序产品，所述方法包括：访问数据库，所述数据库包括：在参与交换程序的第一银行机构持有的汇总帐户，所述交换程序包括多个FDIC保险和计息累积存款账户，多个银行机构; 客户帐户信息获取客户账户的转账数据; 至少部分地基于在所述第一银行机构中存在的所述存款账户中的所述第一银行机构的客户交易账户的资金总额之间的差额，参加交换计划的其他银行机构和在第一银行机构中持有的一个或多个汇总存款账户中持有的资金总额; 接受资金转移; 更新数据库。

36. 发明授权

US08521569B1 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 有权
公开(公告)号：US08521569B1
公开(公告)日：2013-08-27
申请号：US13735631
申请日：2013-01-07
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 , G06Q40/06 , G06Q20/00
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.

37. 发明授权

US08380621B1 Systems, methods and program products for swap processing for uninsured accounts 有权
标题翻译：用于未保险帐户交换处理的系统，方法和程序产品
公开(公告)号：US08380621B1
公开(公告)日：2013-02-19
申请号：US12025402
申请日：2008-02-04
申请人： Bruce Bent , Bruce Bent, II , Arthur Bent
发明人： Bruce Bent , Bruce Bent, II , Arthur Bent
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： A method, system and program product, the method comprising: accessing in the performance of steps databases, comprising: aggregated deposit account information for a plurality of FDIC-insured and interest-bearing aggregated deposit accounts in first plurality of banks; client account information; accessing first client transaction data; determining total amounts of funds for a second plurality of banks; determining a set of client accounts having small balances; allocating funds of client accounts among the second plurality of the banks to match the respective total amounts set for the second plurality of banks, the allocating comprising allocating the small balance client accounts to force a distribution of respective of the client accounts; determining transfer information for funds from the one or more of the aggregated deposit accounts; receiving second transaction files; reallocating funds of client accounts among to match the respective total amounts set for the second plurality of the banks.
摘要翻译：一种方法，系统和程序产品，所述方法包括：访问步骤数据库的执行步骤，包括：针对第一多个银行中的多个FDIC保险和有息累积存款账户的汇总存款账户信息; 客户帐户信息; 访问第一客户端事务数据; 确定第二批银行的资金总额; 确定一组具有小余额的客户帐户; 在所述第二多个银行中分配客户账户的资金以匹配为所述第二多个银行设置的相应总金额，所述分配包括分配所述小额余额客户账户以强制分配所述客户账户; 确定来自所述一个或多个所述累计存款账户的资金的转移信息; 接收第二个交易文件; 重新分配客户账户的资金，以配合为第二批银行设定的各自的总金额。

38. 发明授权

US08355985B1 Systems and methods for providing enhanced account management services for multiple banks 有权
公开(公告)号：US08355985B1
公开(公告)日：2013-01-15
申请号：US12408507
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.

39. 发明授权

US08352342B1 Method and system for determining fees for deposits allocated over a plurality of deposit institutions 有权
标题翻译：确定分配给多个存款机构的存款费用的方法和制度
公开(公告)号：US08352342B1
公开(公告)日：2013-01-08
申请号：US12816092
申请日：2010-06-15
申请人： Bruce Bent, II , David Gareis
发明人： Bruce Bent, II , David Gareis
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06
摘要： A method, system and program product, the method accessing, one or more electronic databases, comprising: aggregated account information for one or more FDIC-insured and interest-bearing aggregated deposit accounts held in one or more deposit institutions, in a program; and client account information; determining or having determined or accessing a fee tier from among a plurality of fee tiers for the respective client account; allocating, funds of the client accounts to one or more of the aggregated deposit accounts based on one or more criteria, wherein some of the client accounts in a plurality of different fee tiers are allocated to the same aggregated deposit account; determining or having determined a total interest amount for the respective client account for a period, based, at least in part, on interest earned by the one or more amounts, Ani, of the respective client account held in each of the one or more aggregated deposit accounts holding funds of the respective client account; calculating or having calculated or obtaining a fee amount for the respective client account, based at least in part, on the fee tier for the respective client account; determining or having determined a client account interest so that the fee amount for the respective client account and the client account interest substantially equal the total interest amount for the respective client account; and updating the one or more databases.
摘要翻译：一种方法，系统和程序产品，所述方法访问一个或多个电子数据库，包括：在程序中的一个或多个存款机构中持有的一个或多个FDIC保险和有息累积存款账户的汇总帐户信息; 和客户帐户信息; 从各个客户帐户的多个费用层中确定或已经确定或访问费用层; 基于一个或多个标准将客户帐户的资金分配给一个或多个汇总存款账户，其中将多个不同费用层中的一些客户账户分配给相同的累计存款账户; 至少部分地基于所述一个或多个聚合的每一个中保存的相应客户账户中由所述一个或多个金额Ani获得的利息确定或已经确定了相应客户账户的总利息金额持有各自客户账户资金的存款账户; 至少部分地基于相应客户账户的费用层来计算或计算或获得相应的客户帐户的费用金额; 确定或确定客户帐户利益，使得相应的客户账户和客户账户的利息大致相等于相应客户账户的总利息金额; 并更新一个或多个数据库。

40. 发明授权

US07933821B1 Systems and methods for administering return sweep accounts 有权
标题翻译：管理退货账户的系统和方法
公开(公告)号：US07933821B1
公开(公告)日：2011-04-26
申请号：US12385522
申请日：2009-04-10
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 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q40/00 , G06Q40/025 , G06Q40/08
摘要： A method, system, and program product for managing funds for a plurality of client accounts at a first banking institution, the system comprising: one or more electronic databases, comprising: (i) client account information; (ii) aggregated transaction account information for a plurality of FDIC-insured and interest-bearing aggregated deposit accounts held in a plurality of banks in a program including the first banking institution; and (iii) subaccount information; and one or more computers configured for (a) accessing the electronic database and administering clients' deposits and withdrawals from the client accounts, comprising processing transaction data for more than six (6) withdrawals and/or transfers from each of at least two of the client accounts; (b) determining, whether the balance of funds for the respective client in the aggregated deposit account at the first bank equals or exceeds a specified amount, and if not, then designating the first bank to receive the deposit, and if it does, determining another bank in the program and designating the deposit for the other bank.
摘要翻译：一种用于在第一银行机构管理多个客户帐户的资金的方法，系统和程序产品，所述系统包括：一个或多个电子数据库，包括：（i）客户帐户信息; （ii）在包括第一银行机构的方案中在多个银行中持有的多个FDIC保险和有息累计存款账户的汇总交易账户信息; 和（iii）子帐户信息; 以及一个或多个计算机，其被配置用于（a）访问所述电子数据库并且管理客户端从所述客户帐户中的存取款，所述计算机包括处理来自所述客户账户中的至少两个中的至少两个中的每一个的超过六（6）个提款和/或转账的交易数据客户帐户; （b）确定第一家银行的合计存款账户中相应客户的资金余额是否等于或超过指定金额，如果不是，则指定第一家银行接收存款，如果确定另一家银行在该计划中指定另一家银行的存款。

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