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1. 发明授权

US10832317B1 Systems, methods, and program products for performing deposit sweep transactions 有权
公开(公告)号：US10832317B1
公开(公告)日：2020-11-10
申请号：US16227993
申请日：2018-12-20
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 , G06Q20/10
摘要： Systems, methods, and program products for providing secure authentication for electronic messages are disclosed. A method may comprise generating an asymmetric private key based at least in part upon an invariant biometric feature vector derived from an input biometric reading. The private key may be further based at least in part upon a user password. The resulting private key may not be stored but rather may be generated when required to authenticate an electronic message, at which time it may be used to provide a digital signature for the electronic message. The private key may be deleted after use. The private key may be regenerated by inputting both a new instance of the biometric reading as well as a new instance of the password.

2. 发明授权

US09946997B1 Method and system for allocating deposits over a plurality of depository institutions 有权
公开(公告)号：US09946997B1
公开(公告)日：2018-04-17
申请号：US15602916
申请日：2017-05-23
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 , G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/108 , G06Q40/00 , G06Q40/02
摘要： Computer system, computer-implemented method, and program product for managing transactions that include administering clients' deposits to and withdrawals from client transaction accounts; determining a client available deposit amount, Di, 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 client deposit amount, Di, calculating, for the banks a respective net deposit amount; generating instructions to transfer funds; and updating.

3. 发明授权

US09607335B1 Method and system for allocating deposits over a plurality of depository institutions 有权
公开(公告)号：US09607335B1
公开(公告)日：2017-03-28
申请号：US15241959
申请日：2016-08-19
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 , G06Q40/02 , G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/108 , G06Q40/00 , 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.

4. 发明授权

US09569773B1 Invariant biohash security system and method 有权
标题翻译：不变生物安全系统和方法
公开(公告)号：US09569773B1
公开(公告)日：2017-02-14
申请号：US15146645
申请日：2016-05-04
申请人： Island Intellectual Property, LLC
发明人： Bruce R. Bent, II , Charles R. Buarque de Macedo
IPC分类号： G06Q20/38 , G06Q20/40 , H04L29/06 , H04L9/30
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 providing secure authentication for electronic messages are disclosed. A method may comprise generating an asymmetric private key based at least in part upon an invariant biometric feature vector derived from an input biometric reading. The private key may be further based at least in part upon a user password. The resulting private key may not be stored but rather may be generated when required to authenticate an electronic message, at which time it may be used to provide a digital signature for the electronic message. The private key may be deleted after use. The private key may be regenerated by inputting both a new instance of the biometric reading as well as a new instance of the password.
摘要翻译：公开了用于为电子消息提供安全认证的系统，方法和程序产品。方法可以包括至少部分地基于从输入生物测定读取导出的不变生物特征向量生成非对称私钥。私钥可以至少部分地基于用户密码进行。所产生的私钥可能不被存储，而是可以在需要验证电子消息时产生，此时可以用它来为电子消息提供数字签名。私钥在使用后可能会被删除。可以通过输入生物特征读数的新实例以及新密码实例来再生私钥。

5. 发明授权

US09374370B1 Invariant biohash security system and method 有权
标题翻译：不变生物安全系统和方法
公开(公告)号：US09374370B1
公开(公告)日：2016-06-21
申请号：US14933580
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： G06F21/00 , H04L29/06
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 providing secure authentication for electronic messages are disclosed. A method may comprise generating an asymmetric private key based at least in part upon an invariant biometric feature vector derived from an input biometric reading. The private key may be further based at least in part upon a user password. The resulting private key may not be stored but rather may be generated when required to authenticate an electronic message, at which time it may be used to provide a digital signature for the electronic message. The private key may be deleted after use. The private key may be regenerated by inputting both a new instance of the biometric reading as well as a new instance of the password.
摘要翻译：公开了用于为电子消息提供安全认证的系统，方法和程序产品。方法可以包括至少部分地基于从输入生物测定读取导出的不变生物特征向量生成非对称私钥。私钥可以至少部分地基于用户密码进行。所产生的私钥可能不被存储，而是可以在需要验证电子消息时产生，此时可以用它来为电子消息提供数字签名。私钥在使用后可能会被删除。可以通过输入生物特征读数的新实例以及新密码实例来再生私钥。

6. 发明授权

US08606676B1 System and method for allocating excess funds in control account 有权
标题翻译：在控制账户中分配超额资金的制度和方法
公开(公告)号：US08606676B1
公开(公告)日：2013-12-10
申请号：US13842360
申请日：2013-03-15
申请人： Island Intellectual Property LLC
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q40/00 , G06Q40/02 , G06Q40/06 , G06Q20/10 , G06Q40/04
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/105 , G06Q40/06 , G06Q40/08
摘要： A method, program product and system, the comprising: one or more computers, configured for accessing databases comprising: aggregated deposit account information for a plurality of FDIC-insured interest-bearing aggregated deposit accounts held in depository institutions participating in program, and client account information; obtaining via an internet interface transfer data; allocating first amount to and/or from one depository institution, comprising: selecting sub-set of aggregated deposit accounts to deposit or to withdraw funds, while avoiding withdrawing funds for a respective sub-period one or more of other aggregated deposit accounts based on criteria; allocating funds to an aggregated deposit account held in one or more other depository institutions; allocating second fund amount from client accounts among the aggregated deposit accounts to substantially match the first amount; generating data for instructions to transfer funds to or from the sub-set of depository institutions.
摘要翻译：一种方法，程序产品和系统，包括：一个或多个计算机，被配置用于访问数据库，包括：存储在存储机构参与节目的多个FDIC保险的有息累计存款账户的汇总存款帐户信息，以及客户帐户信息; 通过互联网接口传输数据; 向一个存托机构分配第一笔金额和/或从一个存托机构分配第一笔金额，其中包括：选择存入或提取资金的汇总存款账户子集，同时避免根据标准为相应子期间提取一个或多个其他汇总存款账户的资金 ; 将资金分配给在一个或多个其他存托机构中持有的汇总存款账户; 从客户账户中分配第二笔资金到合并存款账户中，与第一笔款项基本相符; 产生用于向存储机构子集转移资金的指示数据。

7. 发明授权

US08571960B1 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 有权
公开(公告)号：US08571960B1
公开(公告)日：2013-10-29
申请号：US13759434
申请日：2013-02-05
申请人： Island Intellectual Property LLC
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q40/00 , G06Q40/02 , G06Q40/06 , G06Q20/10
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/105 , G06Q40/06 , G06Q40/08
摘要： A method, program product and system, the comprising: one or more computers, configured for accessing databases comprising: aggregated deposit account information for a plurality of FDIC-insured interest-bearing aggregated deposit accounts held in depository institutions participating in program, and client account information; obtaining via an internet interface transfer data; allocating first amount to and/or from one depository institution, comprising: selecting sub-set of aggregated deposit accounts to deposit or to withdraw funds, while avoiding withdrawing funds for a respective sub-period one or more of other aggregated deposit accounts based on criteria; allocating funds to an aggregated deposit account held in one or more other depository institutions; allocating second fund amount from client accounts among the aggregated deposit accounts to substantially match the first amount; generating data for instructions to transfer funds to or from the sub-set of depository institutions.

8. 发明授权

US08458089B1 System, method and program product for administering fund movements using depository institution groups 有权
标题翻译：使用存托机构组织管理资金流动的制度，方法和程序产品
公开(公告)号：US08458089B1
公开(公告)日：2013-06-04
申请号：US13032456
申请日：2011-02-22
申请人： David Edgar Gareis
发明人： David Edgar Gareis
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： A method, system and program product, the method comprising: obtaining at or before a first source reception cutoff time, first client account transaction information; obtaining a respective net transfer amount; selecting respective aggregated deposit account in depository institution in a first group based on selection rules, first group having recipient cutoff times in a first time range; generating transfer data; obtaining at or before a second source reception cutoff time, second client account transaction information; selecting an aggregated deposit account in a depository institution in a second group to deposit/transferor withdraw/transfer funds, based on selection rules, the second group having respective cutoff times in a second time range different from the first time range; generating transfer data; allocating funds from multiple of the client accounts to the transfers; and updating databases.
摘要翻译：一种方法，系统和程序产品，所述方法包括：在第一源接收截止时间或之前获得第一客户帐户交易信息; 获得相应的净转移量; 基于选择规则，在第一组中的存储机构中选择相应的累计存款账户，第一组在第一时间范围内具有接收者截止时间; 生成传输数据; 在第二源接收截止时间之前或之前获得第二客户帐户交易信息; 在第二组中的存放机构中选择汇总存款账户，以存储/转账方式，基于选择规则，第二组在与第一时间范围不同的第二时间范围内具有各自的截止时间; 生成传输数据; 从多个客户账户分配资金到转账; 并更新数据库。

9. 发明授权

US08401962B1 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：US08401962B1
公开(公告)日：2013-03-19
申请号：US12453390
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 deposit interchange system, method and program product for managing deposits and withdrawals among a plurality of financial institutions participating in a program, the system comprising: electronic databases, storing aggregated transaction account information; and client transaction account information for the respective client transaction accounts; computers with instructions: (a) receiving respective excess amount data, (b) allocating excess amounts between the financial institutions, comprising: (1) determining a respective primary client transaction account sum for the financial institutions; (2) comparing the primary client transaction account sum for the respective financial institution to fund balance in aggregated accounts of the financial institution to determine a surplus or a deficit for the financial institution; (3) allocating funds among the aggregated accounts in financial institutions to bring the balance of funds in the aggregated accounts in the financial institution into substantial equality with their respective primary client transaction account sum.
摘要翻译：一种用于在参与节目的多个金融机构中管理存取款的存款交换系统，方法和程序产品，所述系统包括：电子数据库，存储汇总交易账户信息; 和客户交易账户信息; 具有指示的计算机：（a）接收相应的超额数据，（b）在金融机构之间分配超额金额，其中包括：（1）确定金融机构各自的主要客户交易账户金额; （2）将各金融机构的主要客户交易账户金额与金融机构合并账面余额进行比较，确定金融机构盈余或赤字; （3）在金融机构的汇总账户中分配资金，使金融机构的账面余额与各自的主要客户交易账户金额大致相等。

10. 发明授权

US08386383B1 Money fund banking system with multiple banks and/or rates 有权
标题翻译：具有多个银行和/或利率的货币基金银行系统
公开(公告)号：US08386383B1
公开(公告)日：2013-02-26
申请号：US12622979
申请日：2009-11-20
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 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/108 , G06Q40/00 , G06Q40/025 , G06Q40/08
摘要： A method, system and program product for managing a plurality of individual client deposits for multiple clients, the method comprising: accessing, an electronic database, comprising: aggregated account information for a plurality of Federal Deposit Insurance Corporation (FDIC)-insured and interest-bearing aggregated deposit accounts held in a plurality of banking institutions, and client information for each of a plurality of the respective clients, i, comprising (i) a total of a respective client's funds deposited across a plurality of the FDIC-insured interest-bearing aggregated accounts held in a plurality of the banking institutions; and (ii) a maximum deposit percentage of the respective client funds to be held in at least one of the banking institutions; maintaining funds for said individual clients in a plurality of the FDIC-insured, interest-bearing aggregated deposit accounts at a plurality of banking institutions, wherein each of the banking institutions has at least one of the aggregated deposit accounts; processing, by computer, client transaction data comprising data for each of one or more deposits/transfers and/or one or more withdrawals/transfers for one or more of said clients, with the data comprising a respective amount for each respective deposit/transfer and each respective withdrawal/transfer; making needed deposits to, or needed withdrawals from one or more of said aggregated deposit accounts based on the data for one or more of the deposit/transfers and/or the withdrawals/transfers and based, at least in part, on the maximum deposit percentage in the database for one or more of the clients; and updating the database based on the client's deposits/transfers and/or withdrawals/transfers.
摘要翻译：一种用于管理多个客户端的多个个体客户存款的方法，系统和程序产品，所述方法包括：访问电子数据库，其包括：多个联邦存款保险公司（FDIC）的投保和利息 - 在多个银行机构中持有的累计存款账户以及多个客户中的每一个客户端的客户信息，i包括（i）跨多个FDIC保险的承付款存放的相应客户资金的合计多个银行机构的账户合计; 及（ii）至少一家银行机构所持有的客户资金的最高存款百分比; 在多个银行机构中为多个FDIC保险的有息累计存款账户维护所述个人客户的资金，其中每个银行机构具有至少一个汇总存款账户; 通过计算机处理客户交易数据，其中包括用于一个或多个所述客户端的一个或多个存款/转帐中的每一个的数据和/或一个或多个所述客户端的一个或多个提取/转移的数据，其中数据包括每个相应的存款/ 各自撤回/转让; 根据一个或多个存款/转账和/或提款/转账的数据，从一个或多个所述累计存款账户中提取或需要提取所需的存款，或至少部分地基于最大存款百分比在一个或多个客户端的数据库中; 并根据客户的存款/转账和/或提款/转账更新数据库。

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