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1. 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.

2. 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.

3. 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。

4. 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.

5. 发明授权

US10552910B1 Method and system for allocating deposits over a plurality of depository institutions 有权
公开(公告)号：US10552910B1
公开(公告)日：2020-02-04
申请号：US15412771
申请日：2017-01-23
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： G06Q40/06 , 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.

6. 发明授权

US09811811B1 Method and system for allocating deposits over a plurality of depository institutions 有权
公开(公告)号：US09811811B1
公开(公告)日：2017-11-07
申请号：US13841778
申请日：2013-03-15
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 transaction comprising: 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.

7. 发明授权

US09430798B1 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：US09430798B1
公开(公告)日：2016-08-30
申请号：US13801874
申请日：2013-03-13
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
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.
摘要翻译：一种方法，系统和程序产品，所述方法包括：（1）在多个银行中持有的汇总账户信息FDIC汇总存款账户; （2）客户账户信息：（1）获得客户可用存款金额; （2）至少部分地基于与相应客户端相关联的资金级别或相对于层级范围从多个层级中确定用于客户帐户的银行号码层Ti，其中每层具有与其相关联的一些银行或用于计算与其相关联的银行数量的功能; （3）分配客户可用存款金额，跨越多个银行，NT等于与层级电子化相关联的数量Ti; 并生成数据以将资金转移到或来自一个或多个银行。

8. 发明授权

US08712911B1 System and method for investing public deposits 有权
公开(公告)号：US08712911B1
公开(公告)日：2014-04-29
申请号：US13839890
申请日：2013-03-15
申请人： Island Intellectual Property LLC
发明人： Bruce Bent , Bruce Bent, II , Arthur T. Bent, III
IPC分类号： G06Q40/06
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.

9. 发明授权

US08521569B1 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 有权
公开(公告)号：US08521569B1
公开(公告)日：2013-08-27
申请号：US13735631
申请日：2013-01-07
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 , G06Q40/06 , G06Q20/00
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.

10. 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.

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