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1. 发明授权

US08566201B1 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：US08566201B1
公开(公告)日：2013-10-22
申请号：US13591818
申请日：2012-08-22
申请人： Bruce Bent , Bruce Bent, II
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q40/00 , G06Q40/06 , G06Q20/10 , G06Q40/02
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q40/00 , G06Q40/06 , G06Q40/08
摘要： Method, system and program product, the method comprising: accessing databases, comprising: aggregated account information for FDIC-insured aggregated deposit accounts in banks in a program, client account information; receiving via the Internet fund transfer data for client accounts; allocating amounts to banks participating in the program to be held in aggregated deposit accounts based at least in part on the fund transfer data; determining an amount of funds to be transferred to or from banks based on the allocating step; determining for plurality of client accounts a respective interest rate from among at least three different interest rates; calculating for each client account determined to have first interest rate a respective interest for funds of the client account; calculating for each client account have second interest rate interest for the client account; determining for respective client accounts interest earned.
摘要翻译：方法，系统和程序产品，该方法包括：访问数据库，包括：程序中银行的FDIC保险累计存款帐户的汇总帐户信息，客户帐户信息; 通过互联网资金接收客户账户的转账数据; 至少部分基于资金转移数据，向参与计划的银行分配金额; 根据分配步骤确定要转移到银行的资金数额; 从至少三个不同的利率中确定多个客户帐户的相应利率; 为每个客户账户计算确定首次利率是客户账户资金的相应利息; 每个客户帐户的计算对客户帐户具有第二利率利息; 确定相应的客户帐户所赚取的利息。

2. 发明授权

US08498933B1 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：US08498933B1
公开(公告)日：2013-07-30
申请号：US12453387
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
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： A method, system and program product, the system computers configured to perform the steps: 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，所述系统计算机被配置为执行以下步骤：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聚合帐户，所述交换程序包括多个FDIC保险和兴趣聚合多个银行机构存放户口; 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储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。

3. 发明授权

US08386382B1 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 有权
标题翻译：用于分配的系统和方法，以在一个或多个选定的汇总存款账户中获得零活动
公开(公告)号：US08386382B1
公开(公告)日：2013-02-26
申请号：US13529540
申请日：2012-06-21
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： G06Q40/00 , 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。

4. 发明授权

US08370236B1 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 有权
标题翻译：通过存款机构中的多种定期存款工具分配资金的方法和系统
公开(公告)号：US08370236B1
公开(公告)日：2013-02-05
申请号：US12953221
申请日：2010-11-23
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： 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.
摘要翻译：一种方法，系统和程序产品，一个实施例中的方法包括：一种方法，包括：访问数据库，其包括：用于多个相应客户端中的每一个的客户端信息，包括所述客户端的资金余额; 分配百分比值，Xi，用于付款; 持有一系列客户资金的多个政府支持保险的定期存款工具的信息，包括：利率; 存放机构的识别; 一个条件; 并确定给定的客户端可用分配量，Di; 至少部分地基于Xi的百分比来确定存储在每个Ni存储机构中的客户付款的数量，以便客户付款大致相等并被保险; 确定Ni存托机构分配客户付款; 向Ni存托机构分配相应的客户付款; 生成用于传送各个客户端付款的指令的数据; 更新，数据库。

5. 发明授权

US08359267B1 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：US08359267B1
公开(公告)日：2013-01-22
申请号：US13248647
申请日：2011-09-29
申请人： Bruce Bent , Bruce Bent, II , Arthur T. Bent, III
发明人： Bruce Bent , Bruce Bent, II , Arthur T. Bent, III
IPC分类号： G06Q40/00
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。

6. 发明授权

US08311916B1 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：US08311916B1
公开(公告)日：2012-11-13
申请号：US13052696
申请日：2011-03-21
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, the method comprising: accessing one or more electronic databases, comprising: (i) aggregated transaction account information; and (ii) client account information; allocating client funds of respective client accounts among more than one of aggregated deposit accounts, so that at least a portion of these client funds are maintained in the aggregated deposit account in a first depository institution and at least a portion of the client funds are maintained in an aggregated deposit account held in a second depository institution in a different financial institution; determining client funds to be withdrawn from the aggregated deposit account held at one of the depository institutions more than six (6) times during a month while preserving an insured and interest-bearing status of the aggregated deposit account; generating one or more instructions to transfer funds to or from one or more of the respective aggregated deposit accounts in the respective depository institutions in the program through an aggregated demand deposit and making a withdrawal and/or transfer from the one aggregated deposit account more than six (6) times during the month period; and updating the one or more electronic databases.
摘要翻译：一种方法，系统和程序产品，所述方法包括：访问一个或多个电子数据库，包括：（i）汇总的交易账户信息; 和（ii）客户帐户信息; 将多个客户账户中的客户资金分配到多个汇总存款账户中，以便这些客户资金中的至少一部分被保存在第一个存托机构的汇总存款账户中，至少一部分客户资金被维持在在不同金融机构的第二个存托机构举行的汇总存款账户; 确定客户资金从一个月内六个（6）次以上的一个存托机构存入的汇总存款账户中退出，同时保留累计存款账户的保险和计息状态; 产生一个或多个指令，以便通过汇总的定期存款从存款方案中的相应存款机构中的一个或多个相应的累计存款账户转移资金，并从一个累计存款帐户提取和/或转账多于六个（6）次; 以及更新所述一个或多个电子数据库。

7. 发明授权

US07752107B1 System and method for managing aggregated accounts 有权
标题翻译：用于管理汇总帐户的系统和方法
公开(公告)号：US07752107B1
公开(公告)日：2010-07-06
申请号：US11689247
申请日：2007-03-21
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： G06Q40/00 , G06Q20/10 , G06Q20/105 , G06Q40/06 , G06Q40/08
摘要： A method, program product and system for managing a group of aggregated accounts, each aggregated account held in a different one of a plurality of deposit institutions, each of the aggregated accounts associated with at least one financial entity and holding funds of a plurality of clients of the at least one financial entity, each of the clients having a client asset balance in a respective client account associated with the at least one financial entity, the method comprising: (1) allocating fund deposits to and fund withdrawals from the aggregated accounts, the step of allocating comprising: (a) calculating an aggregated transaction amount based on a total net transaction from among the plurality of the client accounts during a period of time; (b) selecting at least one aggregated account from among the group of aggregated accounts associated with the at least one of the financial entities in the different deposit institutions to which to deposit or to withdraw funds based, at least in part, on determining a relationship between a respective amount of net assets in the at least one of the aggregated accounts and a minimum cap or a maximum cap; and (2) withdrawing funds from or depositing funds to the at least one of the aggregated accounts based on the allocation.
摘要翻译：一种用于管理一组聚合帐户的方法，程序产品和系统，每个汇总帐户保存在多个存款机构中的不同的一个存款机构中，每一个合并账户与至少一个金融实体相关联并且持有多个客户的资金在所述至少一个金融实体中，每个客户在与所述至少一个金融实体相关联的相应客户账户中具有客户资产余额，所述方法包括：（1）分配资金存款并从所述汇总账户中提取资金，分配步骤包括：（a）在一段时间内根据多个客户账户中的总净交易计算汇总交易金额; （b）从至少部分地确定关系的至少存款或提取资金的不同存款机构中的与至少一个金融实体相关联的集合帐户中选择至少一个汇总账户。在至少一个汇总帐户中的相应净资产数量与最低上限或最大上限之间; 和（2）根据分配从至少一个汇总帐户中提取资金或存入资金。

8. 发明授权

US07716131B2 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：US07716131B2
公开(公告)日：2010-05-11
申请号：US11932762
申请日：2007-10-31
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： Providing interest to clients' deposited funds without limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records for the clients' deposits and withdrawals, calculates the total of the deposits and withdrawals for all clients, and uses the calculation to determine whether funds are deposited to or withdrawn from one or more deposit accounts in which all clients' deposit funds are kept. Clients can make unlimited withdrawals, such as by check, credit card, debit card, or electronic transfer, through the administrator. By placing the administrator as the holder of the deposit account(s), exemptions to the limitation on earning interest in demand accounts is facilitated; additionally, dispersing the deposit account funds among multiple banks allows the client to obtain FDIC insurance for all of the deposited funds, which may amount to insurance in excess of the statutory maximum allowed (presently $100,000.00).
摘要翻译：对客户的存款利息提供利息，而不限制从存款帐户提取的需求数量，由管理系统完成，保存客户存款和取款的所有记录，计算所有客户的存款和取款总额，并使用该计算来确定资金是否存入或退出存放所有客户存款资金的一个或多个存款账户。客户可以通过管理员进行无限取款，例如支票，信用卡，借记卡或电子转帐。通过将管理人作为存款账户的持有人，有利于对需求账户的利息限制的豁免; 另外，将存款账户资金分散到多个银行之间，允许客户获得所有存款资金的FDIC保险，这可能超过允许的法定最高保证金额（目前为100,000.00美元）。

9. 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。

10. 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.

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