专利快速检索-快速检索全球专利，免费商用专利数据库-IPRDB

71. 发明授权

US07536350B1 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：US07536350B1
公开(公告)日：2009-05-19
申请号：US10382946
申请日：2003-03-06
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。

72. 发明授权

US07519551B2 Systems and methods for administering return sweep accounts 有权
公开(公告)号：US07519551B2
公开(公告)日：2009-04-14
申请号：US10071053
申请日：2002-02-08
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 , G06Q20/102 , G06Q40/00 , Y10S707/99931
摘要： Novel systems and methods for managing a plurality of client demand accounts so as to allow a banking institution to retain client deposits on the bank's balance sheets while, at the same time, providing the client with the capability of implementing up to an unlimited number of transactions per month and also providing the client with interest on their account balances. These objectives are achieved through the use of a pooled deposit account at the client's savings institution or bank. Funds are transferred from individual client demand accounts to the pooled insured deposit account. All or a portion of the interest accrued from the pooled deposit account is then distributed to individual clients. The interest may, but need not, be distributed according to the relative proportions of each client's funds in the pooled deposit account. A database keeps track of deposits to, and withdrawals from, each of the client demand accounts, as well as each client's proportionate and/or monetary share in the pooled deposit account. On a regular, periodic, or recurring basis, a net transaction is calculated as the sum of individual client deposits and withdrawals from the plurality of demand accounts. The net transaction calculation is used to determine an amount of funds that need to be deposited into the pooled deposit account to cover client deposits, or an amount of funds that needs to be withdrawn from the pooled deposit account to cover client withdrawals. Individual account management calculations are performed to determine whether to deposit or withdraw funds from the pooled deposit account to each of a plurality of individual client demand accounts. The database is updated for each client's deposit and withdrawal activities. The invention permits funds to be deposited into a demand account from various sources, and also provides for the tendering of payments from the demand account via different instruments, without limitation as to the number of transfers, and with accrual of interest on the deposited funds.

你已经成功收藏专利！

检索式保存成功!

IPRDB

热门服务

关于我们

友情链接

联系方式