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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

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.

4. 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.

5. 发明授权

US08655689B1 System, method and program product for modeling fund movements 有权
标题翻译：用于建模资金流动的系统，方法和程序产品
公开(公告)号：US08655689B1
公开(公告)日：2014-02-18
申请号：US13650927
申请日：2012-10-12
申请人： Island Intellectual Property LLC
发明人： David Edgar Gareis
IPC分类号： G06Q40/00 , G06Q40/08
CPC分类号： G06Q40/08
摘要： A method, system and program product, the method comprising accessing, databases, comprising: aggregated account information for FDIC accounts; client account information for each of the respective client accounts, wherein the client account represents funds of the respective client held in the one or more aggregated deposit accounts holding funds of the respective client, the client account information; capacity caps; and obtaining, high, second and lowest stratification balances held in respective depository institutions; calculating for depository institutions a respective total balance in the program; calculating respective excess capacities for respective depository institutions; modifying, parameters selected from the group of a number of client accounts, additional client account funds, a total number of the depository institutions participating in the program, and the capacity caps for one or more of the depository institutions.
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：用于FDIC帐户的汇总帐户信息; 每个客户帐户的客户帐户信息，其中客户帐户代表持有在相应客户的资金的一个或多个汇总存款账户中持有的相应客户的资金，客户帐户信息; 容量上限并在各存托机构中获得高，二，最低的分层结余; 计算存放机构的方案中各自的总体余额; 计算各存托机构的过剩能力; 修改，从多个客户帐户组中选择的参数，额外的客户账户资金，参与该计划的存托机构总数，以及一个或多个存托机构的容量上限。

6. 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.

7. 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.

8. 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。

9. 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。

10. 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.

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