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1. 发明授权

US08719157B1 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：US08719157B1
公开(公告)日：2014-05-06
申请号：US13715370
申请日：2012-12-14
申请人： Island Intellectual Property LLC
发明人： Bruce Bent , Bruce Bent, II , Arthur T. Bent, III
IPC分类号： G06Q20/10 , G06Q40/04
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。

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