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1. 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.

2. 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.

3. 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。

4. 发明授权

US08719062B1 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：US08719062B1
公开(公告)日：2014-05-06
申请号：US13842630
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 , G06Q40/08 , G06Q40/06 , G06Q20/10
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

US08571984B1 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：US08571984B1
公开(公告)日：2013-10-29
申请号：US13801501
申请日：2013-03-13
申请人： Island Intellectual Property LLC
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： Method, system and program product, the method , comprising: generating by first banking institution file comprising transaction information for funds of client transaction accounts to be transferred to or from aggregated accounts in other banking institutions in an interchange program comprising plurality of FDIC-insured and interest-bearing aggregated deposit accounts; determining/receiving a total amount of funds to be held in first banking institution in its aggregated deposit account; generating transaction information for funds to be transferred to or from the aggregated accounts in other banking institutions; determining difference between an amount comprising total of funds from the client transaction accounts of the first banking institution held in the aggregated deposit accounts in the other banking institutions and total of funds held in the aggregated deposit account in the first banking institution; determining transfer information to deposit or to withdraw funds, based at least in part on the difference.
摘要翻译：方法，系统和程序产品，该方法包括：通过第一银行机构文件生成包括客户交易账户的交易信息的交易信息，以在其他银行机构的汇总账户中转移到或从其他银行机构的汇总账户中转移，所述交换程序包括多个FDIC保险和有息累计存款账户; 确定/接收在其合并存款账户中在第一银行机构中持有的资金总额; 为其他银行业务机构的汇总账户转入或转出资金交易信息; 确定其他银行机构的累计存款账户中持有的第一银行机构的客户交易账户的资金总额与第一银行机构存入账户总额的金额之间的差额; 至少部分地基于差异来确定转账信息以存入或提取资金。

6. 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.

7. 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.

8. 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。

9. 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.

10. 发明授权

US08612324B1 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：US08612324B1
公开(公告)日：2013-12-17
申请号：US13651932
申请日：2012-10-15
申请人： Island Intellectual Property LLC
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: allocating client funds of respective client accounts among aggregated deposit accounts, 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 instructions to transfer funds to or from one or more of the respective aggregated deposit accounts 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 databases.
摘要翻译：一种方法，系统和程序产品，所述方法包括：将各个客户帐户的客户资金分配到汇总的存款账户中，从存储机构中的一个存储机构上保存的汇总存款账户确定客户资金将被超过六（6）次一个月内同时保留累计存款账户的被保险人和生息人; 产生指示，通过汇总的定期存款，从计划中的一个或多个相应的累计存款账户转入资金，并在一个月内超过六（6）次从一个累计存款账户提取和/或转账 ; 并更新数据库。

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