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1. 发明授权

US08583545B1 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：US08583545B1
公开(公告)日：2013-11-12
申请号：US13237699
申请日：2011-09-20
申请人： Bruce Bent , Bruce Bent, II , David Edgar Gareis
发明人： Bruce Bent , Bruce Bent, II , 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: accessing, electronic databases, comprising: (i) aggregated account information for a plurality of government backed-insured and interest-bearing aggregated deposit accounts held in a plurality of program institutions; and (ii) source institution deposit information; obtaining transfer data, by a source institution; obtaining time dimension interest rate data, wherein the time dimension interest rate varies depending on how long the deposit has been held in one or more other of the recipient institutions participating in the program; allocating the deposit funds to one or more other of the recipient institutions; generating data for instructions to deposit/transfer funds and/or to withdraw/transfer funds; calculating a respective interest amount for funds of the respective source institutions, based on time dimension interest rate for the period of time; and generating data for allocating interest.
摘要翻译：一种方法，系统和程序产品，所述方法包括：访问电子数据库，其包括：（i）在多个计划机构中持有的多个政府支持投保和有息累积存款账户的汇总账户信息; 和（ii）来源机构存款信息; 由源机构获取转让数据; 获取时间维度利率数据，其中所述时间维度利率取决于所述存款在参与所述程序的一个或多个其他接收机构中被持有多长时间; 将存款资金分配给一个或多个其他受援机构; 产生存款/转账资金和/或提取/转账资金的指示数据; 根据一段时间的时间维度利率计算各个来源机构的资金的各自的利息金额; 并生成用于分配兴趣的数据。

2. 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。

3. 发明授权

US08311939B1 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：US08311939B1
公开(公告)日：2012-11-13
申请号：US12794545
申请日：2010-06-04
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： Method, system and program product, the method comprising: accessing databases, comprising: information for a plurality of FDIC-insured and interest-bearing aggregated deposit accounts held in a plurality of banks, and client account information; obtaining a deposit amount, Di; calculating a client first amount, FAi, comprising a first percentage X, multiplied by the deposit amount, Di, to be distributed approximately equally among a client Ni banks; calculating a client second amount, SAi, comprising a second percentage, Y, multiplied by the client amount, Di, to be distributed approximately equally among client Mi banks in the program; allocating a respective portion of the client first amount, FAi, to each of the respective client Ni banks in the program, and allocating a respective portion of the client second amount, SAi, to each of the respective client Mi banks in the program; generating data for transferring funds; and updating the electronic databases.
摘要翻译：方法，系统和程序产品，所述方法包括：访问数据库，包括：多个银行中持有的多个FDIC保险和计息累计存款账户的信息，以及客户帐户信息; 取得存款金额; 计算客户第一金额FAi，其包括第一百分比X乘以存款金额Di，以在客户端Ni银行中大致平均地分配; 计算客户端第二数量SAi，其包括第二百分比Y乘以客户端数量Di，以在程序中的客户端Mi组中大致相等地分布; 将客户端第一数量FAI的相应部分分配给节目中的各个客户端Ni银行，并将客户端第二数量SAi的相应部分分配给节目中的各个客户端Mi组; 产生转移资金的数据; 并更新电子数据库。

4. 发明授权

US08260705B1 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：US08260705B1
公开(公告)日：2012-09-04
申请号：US12974974
申请日：2010-12-21
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： A method, system and program product, the method comprising: obtaining a plurality of net credit/debit amounts during a month period; generating data for depositing/transferring funds to or withdrawing/transferring funds from at least one of one or more aggregated deposit accounts multiple times in a month period, the data generating step comprising generating data for instructions for making a withdrawal/transfer from funds held at one of the one or more depository institutions more than six (6) times during the month period, comprising presenting instructions to the respective one depository institution using one or more of the methods: in person, or by mail, or, by messenger, or by telephone and distributed by mail, or by automated teller machine, or a combination thereof for substantially all of the withdrawals/transfers except for a set of at least one but not more than six withdrawals within the month period.
摘要翻译：一种方法，系统和程序产品，所述方法包括：在一个月期间内获得多个净信用/借记金额; 生成用于在一个月内多次从一个或多个聚合存款账户中的至少一个存入/转账资金或从其中提取资金的数据，所述数据生成步骤包括生成用于进行从其中一个或多个托管机构在该月份期间超过六（6）次，其中包括使用一种或多种方法向相应的一个存托机构提供指示：亲自或通过邮寄，或通过信使或通过电子邮件或自动取款机或其组合进行实质上所有的提款/转账，除了一个月内至少一次但不超过六次的提款。

5. 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。

6. 发明授权

US08589289B1 System, method and program product for administering fund movements 有权
标题翻译：管理资金流动的制度，方法和程序产品
公开(公告)号：US08589289B1
公开(公告)日：2013-11-19
申请号：US13032467
申请日：2011-02-22
申请人： Thomas J. O'Donnell , David Edgar Gareis
发明人： Thomas J. O'Donnell , 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: accessing, one or more electronic databases, comprising: (i) aggregated account information for a plurality of government-backed insured and interest-bearing aggregated deposit accounts held in a plurality of recipient depository institutions, with one or more of the recipient depository institutions with an interest-bearing aggregated deposit account having at least one associated aggregated transaction account having an overdraft facility; and (ii) client account information for each of a plurality of the respective client accounts; obtaining client account transaction information; obtaining a respective net transfer amount for the one or more sub-periods of time for each of one or more of the respective source institutions; for at least one or more of the sub periods of time where the net transfer amount requires a first withdrawal/transfer amount selecting at least one of the recipient depository institutions that has at least one aggregated transaction account with an overdraft facility based at least in part on one or more selection rules; generating first transfer data reflecting a wire or other electronic transfer that uses the overdraft facility; generating second transfer data reflecting withdrawal/transfer by the at least one recipient depository institution of at least one second withdrawal/transfer amount in partial of full settlement of the overdraft; allocating amounts of funds from multiple of the client accounts among multiple of the recipient depository institutions to substantially match the transfer of funds; and updating one or more of the 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，所述电子数据库包括：（i）在多个接收者托管中保存的多个政府支持的投保和有息累积存款账户的汇总账户信息机构与一个或多个具有至少一个相关联的汇总交易账户具有透支设施的有息累计存款账户的收件人存托机构; 和（ii）多个各个客户帐户中的每一个的客户帐户信息; 获取客户账户交易信息; 为各个源机构中的一个或多个的每个的一个或多个子时段获得相应的净转移金额; 对于至少一个或多个子时间段，其中净转移金额要求至少部分地选择至少一个具有至少一个汇总交易账户的收款存托机构的至少一个具有透支设施的第一提取/转账金额关于一个或多个选择规则; 产生反映使用透支设施的电线或其他电子转移的第一传输数据; 产生反映由所述至少一个收件人托管机构提取/转移的第二转移数据至少一个第二撤回/转移金额，部分地完全解决透支; 在多个接收方存托机构之间分配多个客户账户的资金，以大量匹配资金转移; 并更新一个或多个电子数据库。

7. 发明授权

US08452702B1 System, method and program product for minimizing fund movements 有权
标题翻译：用于最小化资金流动的系统，方法和程序产品
公开(公告)号：US08452702B1
公开(公告)日：2013-05-28
申请号：US13228031
申请日：2011-09-08
申请人： Thomas J. O'Donnell , David Edgar Gareis
发明人： Thomas J. O'Donnell , 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: accessing databases, comprising (i) aggregated account information for a plurality of government-backed insured interest-bearing aggregated deposit accounts held in a plurality of recipient depository institutions, and (ii) client account information; obtaining client account transaction information of client accounts of a first financial institution; obtaining a first amount of funds for the first financial institution; allocating the first amount of funds to other of the recipient depository institutions; allocating a second amount of funds sourced from other of the financial institutions to the first financial institution, based on criteria; netting the first amount and the second amount to obtain a net amount; if the net amount is different from zero, allocating a positive or a negative third amount, to make the second amount equal to the first amount, so no transfer is necessary.
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，包括（i）在多个接收者托管机构中持有的多个政府支持的带有保费的有息累计存款账户的汇总账户信息，以及（ii）客户端账户信息; 获取第一家金融机构客户账户的客户账户交易信息; 为第一家金融机构获得第一笔资金; 将第一笔资金分配给其他收款人托管机构; 根据标准，向第一家金融机构分配其他金融机构的第二笔资金; 扣除第一笔金额和第二笔金额，取得净额; 如果净额不同于零，则分配正或负的第三量，以使第二数量等于第一量，因此不需要转移。

8. 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。

9. 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。

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