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41. 发明授权

US08560442B1 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：US08560442B1
公开(公告)日：2013-10-15
申请号：US12453388
申请日：2009-05-08
申请人： Bruce Bent , Bruce Bent, II
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q20/10 , G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q40/00 , G06Q40/025
摘要： A method, system and program product, the method comprising: accessing databases comprising: aggregated accounts held at a first banking institution participating in an interchange program, the interchange program comprising a plurality of FDIC-insured and interest-bearing aggregated deposit accounts held in a plurality of banking institutions; and client account information obtaining transfer data for client accounts; receiving aggregated account transfer information for aggregated deposit accounts held in the first banking institution, based at least in part on a difference between the amount comprising a total of funds from the client transaction accounts of the first banking institution held in the aggregated deposit accounts in the other banking institutions participating in the interchange program and the total of funds held in the one or more aggregated deposit accounts held in the first banking institution; receiving a transfer of funds; updating the databases.
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，所述数据库包括：在参与交换程序的第一银行机构持有的汇总帐户，所述交换程序包括多个FDIC保险和计息累积存款账户，多个银行机构; 客户帐户信息获取客户账户的转账数据; 至少部分地基于在所述第一银行机构中存在的所述存款账户中的所述第一银行机构的客户交易账户的资金总额之间的差额，参加交换计划的其他银行机构和在第一银行机构中持有的一个或多个汇总存款账户中持有的资金总额; 接受资金转移; 更新数据库。

42. 发明授权

US08380621B1 Systems, methods and program products for swap processing for uninsured accounts 有权
标题翻译：用于未保险帐户交换处理的系统，方法和程序产品
公开(公告)号：US08380621B1
公开(公告)日：2013-02-19
申请号：US12025402
申请日：2008-02-04
申请人： Bruce Bent , Bruce Bent, II , Arthur Bent
发明人： Bruce Bent , Bruce Bent, II , Arthur Bent
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02
摘要： A method, system and program product, the method comprising: accessing in the performance of steps databases, comprising: aggregated deposit account information for a plurality of FDIC-insured and interest-bearing aggregated deposit accounts in first plurality of banks; client account information; accessing first client transaction data; determining total amounts of funds for a second plurality of banks; determining a set of client accounts having small balances; allocating funds of client accounts among the second plurality of the banks to match the respective total amounts set for the second plurality of banks, the allocating comprising allocating the small balance client accounts to force a distribution of respective of the client accounts; determining transfer information for funds from the one or more of the aggregated deposit accounts; receiving second transaction files; reallocating funds of client accounts among to match the respective total amounts set for the second plurality of the banks.
摘要翻译：一种方法，系统和程序产品，所述方法包括：访问步骤数据库的执行步骤，包括：针对第一多个银行中的多个FDIC保险和有息累积存款账户的汇总存款账户信息; 客户帐户信息; 访问第一客户端事务数据; 确定第二批银行的资金总额; 确定一组具有小余额的客户帐户; 在所述第二多个银行中分配客户账户的资金以匹配为所述第二多个银行设置的相应总金额，所述分配包括分配所述小额余额客户账户以强制分配所述客户账户; 确定来自所述一个或多个所述累计存款账户的资金的转移信息; 接收第二个交易文件; 重新分配客户账户的资金，以配合为第二批银行设定的各自的总金额。

43. 发明授权

US08355985B1 Systems and methods for providing enhanced account management services for multiple banks 有权
公开(公告)号：US08355985B1
公开(公告)日：2013-01-15
申请号：US12408507
申请日：2009-03-20
申请人： Bruce Bent , Bruce Bent, II
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： This invention includes methods for delivering account management services to multiple financial institutions that provide for customer deposit accounts without transaction but than nevertheless offer interest and receive enhanced deposit insurance. The methods apply at least one customer transaction to that customer's deposit account, and then re-allocate customer-deposited funds among the plurality of financial institutions in order that, for each customer, the risk of loss is not substantially increased, and that, for each financial institution, the amount of customer-deposited funds is not substantially decreased. Preferably, risk of loss is reduced by increasing the fraction of each customer's deposited funds covered by FDIC deposit insurance, and interest and enhanced insurance are available by innovative management of customer transactions and accounts. This invention also includes computer systems for practicing the methods and program products for accordingly configuring such computer systems.

44. 发明授权

US08352342B1 Method and system for determining fees for deposits allocated over a plurality of deposit institutions 有权
标题翻译：确定分配给多个存款机构的存款费用的方法和制度
公开(公告)号：US08352342B1
公开(公告)日：2013-01-08
申请号：US12816092
申请日：2010-06-15
申请人： Bruce Bent, II , David Gareis
发明人： Bruce Bent, II , David Gareis
IPC分类号： G06Q40/00
CPC分类号： G06Q40/06
摘要： A method, system and program product, the method accessing, one or more electronic databases, comprising: aggregated account information for one or more FDIC-insured and interest-bearing aggregated deposit accounts held in one or more deposit institutions, in a program; and client account information; determining or having determined or accessing a fee tier from among a plurality of fee tiers for the respective client account; allocating, funds of the client accounts to one or more of the aggregated deposit accounts based on one or more criteria, wherein some of the client accounts in a plurality of different fee tiers are allocated to the same aggregated deposit account; determining or having determined a total interest amount for the respective client account for a period, based, at least in part, on interest earned by the one or more amounts, Ani, of the respective client account held in each of the one or more aggregated deposit accounts holding funds of the respective client account; calculating or having calculated or obtaining a fee amount for the respective client account, based at least in part, on the fee tier for the respective client account; determining or having determined a client account interest so that the fee amount for the respective client account and the client account interest substantially equal the total interest amount for the respective client account; and updating the one or more databases.
摘要翻译：一种方法，系统和程序产品，所述方法访问一个或多个电子数据库，包括：在程序中的一个或多个存款机构中持有的一个或多个FDIC保险和有息累积存款账户的汇总帐户信息; 和客户帐户信息; 从各个客户帐户的多个费用层中确定或已经确定或访问费用层; 基于一个或多个标准将客户帐户的资金分配给一个或多个汇总存款账户，其中将多个不同费用层中的一些客户账户分配给相同的累计存款账户; 至少部分地基于所述一个或多个聚合的每一个中保存的相应客户账户中由所述一个或多个金额Ani获得的利息确定或已经确定了相应客户账户的总利息金额持有各自客户账户资金的存款账户; 至少部分地基于相应客户账户的费用层来计算或计算或获得相应的客户帐户的费用金额; 确定或确定客户帐户利益，使得相应的客户账户和客户账户的利息大致相等于相应客户账户的总利息金额; 并更新一个或多个数据库。

45. 发明授权

US07933821B1 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：US07933821B1
公开(公告)日：2011-04-26
申请号：US12385522
申请日：2009-04-10
申请人： Bruce Bent , Bruce Bent, II
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 for managing funds for a plurality of client accounts at a first banking institution, the system comprising: one or more electronic databases, comprising: (i) client account information; (ii) aggregated transaction account information for a plurality of FDIC-insured and interest-bearing aggregated deposit accounts held in a plurality of banks in a program including the first banking institution; and (iii) subaccount information; and one or more computers configured for (a) accessing the electronic database and administering clients' deposits and withdrawals from the client accounts, comprising processing transaction data for more than six (6) withdrawals and/or transfers from each of at least two of the client accounts; (b) determining, whether the balance of funds for the respective client in the aggregated deposit account at the first bank equals or exceeds a specified amount, and if not, then designating the first bank to receive the deposit, and if it does, determining another bank in the program and designating the deposit for the other bank.
摘要翻译：一种用于在第一银行机构管理多个客户帐户的资金的方法，系统和程序产品，所述系统包括：一个或多个电子数据库，包括：（i）客户帐户信息; （ii）在包括第一银行机构的方案中在多个银行中持有的多个FDIC保险和有息累计存款账户的汇总交易账户信息; 和（iii）子帐户信息; 以及一个或多个计算机，其被配置用于（a）访问所述电子数据库并且管理客户端从所述客户帐户中的存取款，所述计算机包括处理来自所述客户账户中的至少两个中的至少两个中的每一个的超过六（6）个提款和/或转账的交易数据客户帐户; （b）确定第一家银行的合计存款账户中相应客户的资金余额是否等于或超过指定金额，如果不是，则指定第一家银行接收存款，如果确定另一家银行在该计划中指定另一家银行的存款。

46. 发明授权

US07680734B1 Money fund banking system 有权
标题翻译：货币基金银行系统
公开(公告)号：US07680734B1
公开(公告)日：2010-03-16
申请号：US10305439
申请日：2002-11-26
申请人： Bruce Bent , Bruce Bent, II
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/042 , G06Q20/102 , G06Q20/108 , G06Q40/00 , G06Q40/08
摘要： Providing interest to clients' deposited funds without the legal limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records for the clients' deposits and withdrawals, calculates the total of the deposits and withdrawals for all clients, and uses the calculation to determine whether funds are deposited to or withdrawn from a single deposit account in which all clients' deposit funds are kept. Clients can make unlimited withdrawals, such as by check, credit card, debit card, or electronic transfer, through the administrator. By placing the administrator as the holder of a single account, legal exemptions to the limitation on earning interest in demand accounts is facilitated.
摘要翻译：对客户的存款利息没有对存款账户提取需求的数量的法律限制，由管理系统完成，该系统保存客户存款和取款的所有记录，计算所有存款和取款的总额客户，并使用该计算来确定资金是否存入或退出存放所有客户存款资金的单一存款账户。客户可以通过管理员进行无限取款，例如支票，信用卡，借记卡或电子转帐。通过将管理员作为单一账户的持有人，可以方便地对限制利息的法定豁免。

47. 发明授权

US07672901B1 System and method for holdback procedure for after-hours transactions 有权
标题翻译：下班后交易的保留程序的系统和方法
公开(公告)号：US07672901B1
公开(公告)日：2010-03-02
申请号：US11767846
申请日：2007-06-25
申请人： Bruce Bent , Bruce Bent, II
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/10 , G06Q20/105 , G06Q40/06 , G06Q40/08
摘要： A method, program product and system for managing a group of aggregated accounts, each aggregated account held in a different one of a plurality of deposit institutions, each of the aggregated accounts associated with at least one financial entity and holding funds of a plurality of clients of the at least one financial entity, the method comprising: (a) conducting an allocation process to allocate net deposits of funds to and net withdrawals of funds from the aggregated accounts, the allocation process comprising: (1) determining for each request for a net withdrawal of funds from or a net deposit of funds to at least one of the aggregated accounts whether the request occurred after a cut-off time; (2) receiving or calculating for at least one request that occurred before the cutoff time a holdback amount from the net deposit to or net withdrawal from the one aggregated account relating to funds to be heldback that may be used in covering post cut-off time transactions; (3) holding back the holdback amount of funds for the at least one request that occurred before the cutoff time by requesting withdrawal of an amount of funds from or depositing of an amount of funds to the aggregated account based at least in part on the holdback amount; and (b) initiating a post cut-off time procedure that transfers an amount of funds required to satisfy the request for withdrawal from the holdback amount of funds when it is determined that the request for withdrawal or deposit of funds occurred after the cut-off time.
摘要翻译：一种用于管理一组聚合帐户的方法，程序产品和系统，每个汇总帐户保存在多个存款机构中的不同的一个存款机构中，每一个合并账户与至少一个金融实体相关联并且持有多个客户的资金所述方法包括：（a）进行分配过程以从所述汇总账户中分配资金净额和资金净额，所述分配过程包括：（1）根据每个所述请求确定一个是否在截止时间之后发生请求，从至少一个汇总帐户净资金净额或净存款净额; （2）接收或计算在截止时间之前发生的至少一个请求，从净存款到或从一个合并账户中扣除可能用于支付截止时间的资金的扣除金额交易; （3）至少部分地基于持续期限，通过请求从所述汇总账户中提取资金数额或将所述资金存入所述资金来阻止在所述截止时间之前发生的所述至少一个请求的所述资金的持续量量; （b）启动停职时间程序，在确定撤销或存款资金发生在截止后发生的请求后，将满足撤回请求所需资金的金额转入资金限额时间。

48. 发明授权

US07668772B1 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：US07668772B1
公开(公告)日：2010-02-23
申请号：US12271705
申请日：2008-11-14
申请人： Bruce Bent , Bruce Bent, II
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/108 , G06Q40/00 , G06Q40/06 , G06Q40/08
摘要： This invention provides system and methods for managing accounts of clients at customer financial entities so that deposits of up to $100,000 or greater are insured, so that interest income earned on a portion of all of the account balances may be flexibly allocated according to customer instructions, and so that withdrawals are not limited. These objects are satisfied by holding client funds at interest-earning money market deposit accounts at one or more banks or savings institutions. More particularly, this invention provides methods for receiving client transaction information, determining a net transfer of funds into or out of each client account from transaction information, causing transfer of funds from the insured, interest-bearing deposit accounts to match the net transfer of funds into or out of each client account, and allocating interest earned by the deposit accounts to clients according to customer instructions. This invention also provides systems and software products implementing these methods.
摘要翻译：本发明提供了用于管理客户金融实体的客户帐户的系统和方法，使得保险金高达10万美元以上的存款，以便可以根据客户指令灵活地分配所有帐户余额中的一部分获得的利息收入，所以提款不受限制。通过将客户资金用于一家或多家银行或储蓄机构的赚钱市场存款账户来满足这些目标。更具体地，本发明提供了接收客户交易信息的方法，确定从交易信息中进入或退出每个客户帐户的资金的净转移，导致从被保险的有息存款账户转移资金以匹配净资金转移进入或退出每个客户帐户，并根据客户指示将存款帐户的利息分配给客户。本发明还提供了实现这些方法的系统和软件产品。

49. 发明授权

US06374231B1 Money fund banking system 有权
标题翻译：货币基金银行系统
公开(公告)号：US06374231B1
公开(公告)日：2002-04-16
申请号：US09176340
申请日：1998-10-21
申请人： Bruce Bent , Bruce Bent, II
发明人： Bruce Bent , Bruce Bent, II
IPC分类号： G06F1760
CPC分类号： G06Q40/02 , G06Q40/025 , G06Q40/04 , G06Q40/06
摘要： Providing interest to clients' deposited finds without the legal limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records for the clients' deposits and withdrawals, calculates the total of the deposits and withdrawals for all clients, and uses the calculation to determine whether funds are deposited to or withdrawn from a single deposit account in which all clients' deposit funds are kept. Clients can make unlimited withdrawals, such as by check, credit card, debit card, or electronic transfer, through the administrator. By placing the administrator as the holder of a single account, legal exemptions to the limitation on earning interest in demand accounts is facilitated.
摘要翻译：对客户的存款发票提供利息，而对存款账户提取需求的数量没有法律限制，由管理系统完成，保存客户存款和取款的所有记录，计算所有存款和取款的总额客户，并使用该计算来确定资金是否存入或退出存放所有客户存款资金的单一存款账户。客户可以通过管理员进行无限取款，例如支票，信用卡，借记卡或电子转帐。通过将管理员作为单一账户的持有人，可以方便地对限制利息的法定豁免。

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