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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

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.

9. 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.

10. 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.

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