USRE43246E1 - Money fund bank system - Google Patents
Money fund bank system Download PDFInfo
- Publication number
- USRE43246E1 USRE43246E1 US10/825,440 US82544004A USRE43246E US RE43246 E1 USRE43246 E1 US RE43246E1 US 82544004 A US82544004 A US 82544004A US RE43246 E USRE43246 E US RE43246E
- Authority
- US
- United States
- Prior art keywords
- account
- transaction
- client
- accounts
- insured
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Lifetime
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
Definitions
- the novel system is in the field of account transaction processing and provides an administered money fund banking system that is integrated with an insured deposit account.
- the Federal Deposit Insurance Corporation (“FDIC”) is a federal governmental entity that provides insurance for deposits in most banks and savings institutions in the United States.
- Bank deposits are insured by the FDIC's Bank Insurance Fund (“BIF”) and savings institutions' deposits are insured by the FDIC's Savings Association Insurance Fund (“SAIF”).
- BIF Bank Insurance Fund
- SAIF FDIC's Savings Association Insurance Fund
- the rules governing insurance of deposits of institutions insured by the BIF and the SAIF are the same.
- the FDIC bases insurance coverage on the concept of ownership rights and capacities: finds funds held in different ownership categories are insured separately from each other, and funds of the same ownership but held in different accounts are subsumed under the same insurance coverage.
- the amount of insurance covered provided to depositors of each institution insured by BIF and SAIF is the same: $100,000.00 to the owner(s) of the funds in the account(s), including principal and interest.
- a “deposit” is any money put into a savings account, a checking account, or time account such as a certificate of deposit.
- a “demand” account is one from which the owner of the account can demand that funds be drawn and paid elsewhere, either to another account (of the same or a different owner) or to a third party. These payments are typically made via a bank draft or check, or a credit or debit card.
- a account different than a demand account is an account where all or a fixed amount of the principal must be maintained in the account for a period of time to achieve the particular benefits offered by that account.
- a “demand deposit” includes any deposit in account under which terms the depositor is authorized to make, during any month or statement cycle of at least four weeks, more than six transfers by means of a preauthorized or automatic transfer of telephone (including data transmission) agreement, order or instruction, which transfers are made to another account of the depositor at the same bank, to the bank itself, or to a third party provided that such an account will be deemed a demand deposit if more than three of the six authorized transfers are authorized to be made by check, draft, debit card or similar order made by the depositor. (12 C.F.R.
- this invention provides a system for managing a plurality of accounts for multiple clients by administering at a banking institution a single insured deposit account in which all of the funds for the insured deposit accounts are held, providing a database having client information for each client's account, administering clients' deposits to and withdrawals from each of their accounts, authorizing whether funds in a particular clients account can be used for each payment requested from that client's account, determining as the net transaction of the sum of the insured money market account deposits and withdrawals from the plurality of insured money market accounts on a regular periodic basis, using the determination of the net transaction to deposit funds to or withdraw funds from the single insured deposit account, distributing interest earned on the single deposit account to each of the clients in proportion to their portion of funds in the deposit account, and updating the database for each client's deposits and authorized demand payments.
- FIGS. 1 and 2 show flow chart depicting certain processing steps the system follows at the administrator's end.
- the present system will be described with reference to an administrator, which can be brokerage, a bank, or another entity with which clients can institute financial transactions such as deposits and demand payments.
- the administrator appears to each client as if it were, in part, a bank, by accepting deposits for the client's account and by authorizing (and then making) payments demanded by the client from his account.
- the funds for all of the clients are pooled into a single fund that is maintained as an insured deposit account at a licensed banking institution.
- This system is preferably implemented in combination with a brokerage account so that the client can centralize all of his financial needs: deposit of funds; demand orders for payment (checking); payment authorization by debit card; securities transactions; retirement plans; and the like.
- the following description of the hardware and software is for exemplification of a working system; other architectures can be fashioned to make the systems and perform the methods claimed herein.
- the system has been implemented on a mainframe computer (e.g., an IBM Application Starterpac 3000 model A20, which is capable of processing 63 million instructions per second) with an operating system such as OS/390 and MVS/ESA running a relational database (e.g., DB2 type database).
- the programing programming languages are IBM COBOL, CICS languages along with IBM's CSP screen generation language.
- memory requirements are satisfied with 768 Gigabytes of storage (preferably, e.g., 1024G with a disk storage and recovery system, such as RAID).
- Communications generally are run on a mixed SNA and TCP/IP network. Communications with a local area network via a local control unit can be implemented using a token ring. Connection to an internal network has been made via an IBM open systems adapter (OSA) running TCP/IP, which allows File Transfer Protocol (ftp) via a firewall. Bisynchronous and synchronous file transfer protocols are made through various dial-up media. Terminal Access runs on an Ethernet local area network, using an SAA gateway, and other gateways (e.g., Cytrix and Netsoft) for remote access. Additionally, several lease lines for several applications and terminal access are supported by the system.
- OSA IBM open systems adapter
- ftp File Transfer Protocol
- Bisynchronous and synchronous file transfer protocols are made through various dial-up media.
- Terminal Access runs on an Ethernet local area network, using an SAA gateway, and other gateways (e.g., Cytrix and Netsoft) for remote access. Additionally, several lease lines for several applications and terminal access are supported by the system.
- FIGS. 1 and 2 show flowchart depicting certain processing steps the system follows at the administrator's end. It should be understood that the order in which these steps are performed may be varied without impairing the achievement of the aforementioned objects of the invention.
- the client adds funds (“deposits”) to his account typically via check 101 , sweeps 103 of funds from another account (e.g., a broker/dealer account), and/or by wire and other transfers 105 (such as fed funds wire and direct deposit via ACH) for investment in an FDIC insured money fund account. These funds are deposited in a deposit account with a bank on behalf of the participant.
- the amount of each of the deposited items is summed 107 to determine the deposits for each client, preferably on a regular periodic basis (e.g., daily) or instantaneously.
- the administrator provides the participant with access to his funds by various methods: payments can be made from funds drawn from the account by check 109 ; electronic funds transfer 110 ; debit card 111 authorized by the client (and ACH debit); sweeps of funds 113 to another account (e.g., a broker/dealer account); and electronic and voice access 114 (e.g., internet on-line banking, banking by telephone) for automated transaction requests; and transactions authorized by mail.
- a “sweep” is a an automated movement of funds between a client's other account (e.g., a broker/dealer account) and his insured deposits account (in either direction).
- the registration on the other account and the insured deposit account are identical; there is a one for one relationship between the brokerage account and the insured deposits account.
- the sum of the deposits is processed 117 with information 119 from a database (described later) that stores information about the demand account for each client.
- Each client's account is credited 121 with the sum of the deposits for that particular account, which may amount to zero on a particular day.
- the sum and of withdrawals are processed 123 to determine what should be debited from the account, which may also amount to zero on a particular day.
- the deposits and withdrawals for each account during a given period are compared 125 to determine whether sufficient finds funds are present in the client's account, including the added funds, to pay the withdrawals requested by the client.
- processing determines which client accounts to credit or debit for the various transactions (sweep, checks, debit cards, ACH, etc.) received each business period (e.g., daily). These transactions can be received from one or more sources, such as brokerage firms (sweep transactions), banks (deposits made by wire trasfer transfer, checks presented for payment, ACH, debit card transactions), the mail (check deposits, redemption requests), and telephone requests. “Telephone” requests can be performed by voice, conversing with an operator/broker or a voice response system, or via a touch-tone phone using a menu system, or electronically via the internet using email or the World Wide Web (e.g., a web page, preferrably preferably secure, onto which users can log in and conduct on-line banking).
- the final step in the day's processing is to determine the net credit or debit for the deposit account at the bank; the net activity represents all transactions that were processed that day for all insured deposit accounts.
- the requested withdrawal(s) are denied and the client's total account information is again accessed to determine 129 if the client has sufficiently available margin to cover the requested withdrawal(s) (other than, preferably, sweep transactions). If insufficient funds and insufficient margin are available, then the requested withdrawal is denied 131 .
- the client's margin typically is determined by the value of the clients funds held in the client's broker/dealer (securities) account.
- a debit is made 133 to the client's insured deposit account in the amount of the withdrawal(s) allowed (based on the funds and margin then available) and the processed and authorized withdrawals are paid as directed by the client.
- the sum of the processed credits 121 and the processed debits 133 are determined for all of the administrator's clients to arrive at a net account activity determination 135 .
- the order in which credits and debits are processed depends upon a subjective protocol and/or operation of law.
- transactions that are pre-approved are likely to be processed when received; transactions requiring authorization or acceptance by a third party (such as a bank draft or check) may be credited to the insured deposit account but not available for withdrawal until authorization or acceptance.
- a third party such as a bank draft or check
- the net account activity determination 135 is then used to determine a net credit/debit 139 for the single deposit account held at the bank that contains all of the funds of all of the administrator's clients; the deposit account must be debited or credited to account for all clients' deposits and withdrawals during the period. If the net result is positive (e.g., amount of deposits processed minus amount of authorized withdrawals processed is positive), then the calculated amount is deposited 141 to the single account. If the net result is negative (e.g., amount of deposits processed minus amount of withdrawals processed is negative), then the calculated amount is withdrawn 143 from the single deposit account.
- An individual insured money market account is maintained for each client on a administrator's database. Each transaction received for an account is individually posted against the client's account on the database.
- Funds are exchanged between the appropriate parties to cover transactions (broker for sweep transactions; bank for debit cards, checks, ACH, etc.). These transactions are posted and settled prior to any activity taking place in the insured deposit account at the bank.
- the last movement of funds on each day is the net movement of funds (credit or debit) that takes place in the deposit account at the bank.
- the sum of the account balances (principle plus interest) for clients participating in the this system equals the balance in the deposit account at the bank.
- the information from the calculations of a net credit/debit 139 are used to implement the processing of the actual deposit or withdrawal ( 141 , 143 ) to the deposit account, and that information (and funds, if required) is sent to the bank 145 to execute the actual deposit or withdrawal required. If the deposit account is to be credited, then deposits are transferred to the bank and credited to the deposit account 147 ; conversely, if funds are to be withdrawn from the deposit account, a bulk withdrawal is made from the deposit account to account for the withdrawals that have been authorized from the clients' accounts; in essence, the withdrawal from the deposit account need only make up the difference between the authorized withdrawals and the deposits.
- the broker/dealer transmits the client's available margin line to the administrator regularly (preferably daily).
- the available margin line will be taken into consideration when checks, debit card, and other draft and order to pay transactions (e.g., ACH debits, on-line banking withdrawals, and other electronic payments) are processed.
- a loan will be created and transmitted to the broker dealer by the administrator.
- the broker dealer maintains the margin loan on his system and will pay the administrator for all funds advanced. Using this methodology for margin accounts, there is no effect on the deposit account at the bank.
- the bank pays interest 149 on the single deposit account to the administrator.
- the administrator determines the interest amount (if any) each client is owed (based also on the period during which the interest was determined on a particular account balance). Because all of the clients' finds funds are in a single account under the name of the administrator, the administrator earns the interest and distributes the interest earned to each of the clients. Further, the limitation on transfers from a an interest-bearing account is inapplicable to the clients because their funds are held by the administrator in a demand account and interest for the client is determined only on that portion of those finds funds maintained in the bank's deposit account. Preferably, if necessary, the administrator makes any withdrawals from the deposit account in person.
- This information is transferred back to the administrator's deposits database 151 .
- This database includes information about each client (such as name, address, and other important or desired demographic and tax information about each client's account), as well as financial information regarding the client's holdings on deposit in the bank (i.e., that client's portion of the single deposit account) and holdings with the administrator (e.g., securities and the like).
- the administrator maintains several relationships that provide services for the insured money market accounts. These various entities provide transaction data that is transmitted to the administrator and processed.
- the administrator is its own transfer agent and provides a shareholder accounting system.
- accounts may be opened through a broker dealer that is a client of the administrator, or directly with an application and check.
- the administrator may allow a client with an account under the present system to access his funds by check or with a debit card; in such a case, the administrator has arranged for these services and maintains these relationships which are separate and apart from the deposit account.
- Banks that provide check and card services will transmit a file each day to the administrator that contains the checks presented for payment and/or the debit card transactions.
- the transactions that apply to his account under the present system are out sorted and processed against the administrator's database. The administrator will settle with each bank for the transactions that were processed.
- the administrator may accept direct deposit of payroll, social secerity security, or pensions for accounts.
- the clients' accounts are updated as these files are received and processed.
- the administrator may also accepts ACH debit transactions, which are initiated by the client's bank or a third party at the client's request.
- the administrator may also provide the participants with automated bill paying services. Participants preferably provided with a touchtone bill paying system and/or an internet on line banking service. Bill payment requests may be downloaded each morning for processing.
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Economics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Human Resources & Organizations (AREA)
- Operations Research (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims (32)
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/825,440 USRE43246E1 (en) | 1998-10-21 | 2004-04-14 | Money fund bank system |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/176,340 US6374231B1 (en) | 1998-10-21 | 1998-10-21 | Money fund banking system |
US10/825,440 USRE43246E1 (en) | 1998-10-21 | 2004-04-14 | Money fund bank system |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/176,340 Reissue US6374231B1 (en) | 1998-10-21 | 1998-10-21 | Money fund banking system |
Publications (1)
Publication Number | Publication Date |
---|---|
USRE43246E1 true USRE43246E1 (en) | 2012-03-13 |
Family
ID=22643961
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/176,340 Ceased US6374231B1 (en) | 1998-10-21 | 1998-10-21 | Money fund banking system |
US10/825,440 Expired - Lifetime USRE43246E1 (en) | 1998-10-21 | 2004-04-14 | Money fund bank system |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/176,340 Ceased US6374231B1 (en) | 1998-10-21 | 1998-10-21 | Money fund banking system |
Country Status (1)
Country | Link |
---|---|
US (2) | US6374231B1 (en) |
Cited By (21)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20050049964A1 (en) * | 2003-01-14 | 2005-03-03 | Winterer Mary Jo | Financial transaction card with automatic payment feature |
US20050209962A1 (en) * | 1998-08-31 | 2005-09-22 | Hogan Edward J | Financial transaction card with installment loan feature |
US20070250442A1 (en) * | 1998-08-31 | 2007-10-25 | Hogan Edward J | Financial Transaction Card With Installment Loan Feature |
US20100094735A1 (en) * | 2006-11-15 | 2010-04-15 | Charles Reynolds | Methods and systems for automated payments |
US20110295745A1 (en) * | 1998-08-31 | 2011-12-01 | Mastercard International Incorporated | Systems and methods for appending supplemental payment data to a transaction message |
US8234188B1 (en) | 2009-04-07 | 2012-07-31 | Promontory Interfinancial Network, Llc | Method, system and computer program product for managing funds in custodial deposit accounts |
US8311916B1 (en) | 1998-10-21 | 2012-11-13 | Island Intellectual Property Llc | Systems and methods for administering return sweep accounts |
US8386382B1 (en) | 2007-02-28 | 2013-02-26 | Island Intellectual Property Llc | System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts |
US8401962B1 (en) | 1998-10-21 | 2013-03-19 | Island Intellectual Property Llc | Systems and methods for providing enhanced account management services for multiple banks |
US8452702B1 (en) | 2011-09-08 | 2013-05-28 | Island Intellectual Property Llc | System, method and program product for minimizing fund movements |
US8458089B1 (en) | 2010-06-14 | 2013-06-04 | Island Intellectual Property Llc | System, method and program product for administering fund movements using depository institution groups |
US8521569B1 (en) | 2009-11-24 | 2013-08-27 | Island Intellectual Property Llc | Method and system for allocating funds over a plurality of time deposit instruments in depository institutions |
US8583545B1 (en) | 2010-09-20 | 2013-11-12 | Island Intellectual Property Llc | Systems and methods for money fund banking with flexible interest allocation |
US8655689B1 (en) | 2011-10-13 | 2014-02-18 | Island Intellectual Property Llc | System, method and program product for modeling fund movements |
US8712911B1 (en) | 2003-01-27 | 2014-04-29 | Island Intellectual Property Llc | System and method for investing public deposits |
US8781931B1 (en) | 2009-05-26 | 2014-07-15 | Island Intellectual Property Llc | Method and system for allocating deposits over a plurality of depository institutions |
US20160063620A1 (en) * | 2012-03-01 | 2016-03-03 | Bruce E. McLean | System and method of facilitating payday loans |
US9374370B1 (en) | 2015-01-23 | 2016-06-21 | Island Intellectual Property, Llc | Invariant biohash security system and method |
US10218859B1 (en) * | 2000-04-27 | 2019-02-26 | Precis Group Llc | Secured pre-payment for portable communication unit |
US20230126190A1 (en) * | 2014-12-31 | 2023-04-27 | Wells Fargo Bank, N.A. | Computer system and method for brokerage incentive program |
US12051104B1 (en) | 2020-11-24 | 2024-07-30 | Island Intellectual Property, Llc | Systems, methods and program products for allocation to maximize insurance or maximize interest for client accounts |
Families Citing this family (68)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6374231B1 (en) | 1998-10-21 | 2002-04-16 | Bruce Bent | Money fund banking system |
US7509286B1 (en) | 1998-10-21 | 2009-03-24 | Reserve Management Corporation | Systems and methods for money fund banking with flexible interest allocation |
US7519551B2 (en) * | 1998-10-21 | 2009-04-14 | Island Intellectual Property Llc | Systems and methods for administering return sweep accounts |
US7680734B1 (en) | 1998-10-21 | 2010-03-16 | Island Intellectual Property Llc | Money fund banking system |
US7668772B1 (en) | 1998-10-21 | 2010-02-23 | Island Intellectual Property Llc | Systems and methods for money fund banking with flexible interest allocation |
EP2360635A3 (en) * | 1999-04-30 | 2013-04-10 | PayPal, Inc. | System and method for electronically exchanging value among distributed users |
US7089202B1 (en) * | 1999-05-27 | 2006-08-08 | Cathleen Noland | Method and system for internet banking and financial services |
US7376583B1 (en) | 1999-08-10 | 2008-05-20 | Gofigure, L.L.C. | Device for making a transaction via a communications link |
US7720762B1 (en) | 2002-10-03 | 2010-05-18 | Gofigure Payments, Llc | System and method for electronically processing commercial transactions based upon threshold amount |
US8571975B1 (en) * | 1999-11-24 | 2013-10-29 | Jpmorgan Chase Bank, N.A. | System and method for sending money via E-mail over the internet |
US7536340B2 (en) * | 2000-07-24 | 2009-05-19 | Cashedge, Inc. | Compliance monitoring method and apparatus |
US7797207B1 (en) * | 2000-07-24 | 2010-09-14 | Cashedge, Inc. | Method and apparatus for analyzing financial data |
US8086508B2 (en) * | 2000-07-24 | 2011-12-27 | Cashedge, Inc. | Method and apparatus for delegating authority |
US7013310B2 (en) | 2002-01-03 | 2006-03-14 | Cashedge, Inc. | Method and apparatus for retrieving and processing data |
US7146338B2 (en) * | 2001-06-28 | 2006-12-05 | Checkfree Services Corporation | Inter-network financial service |
US20080015982A1 (en) * | 2000-09-20 | 2008-01-17 | Jeremy Sokolic | Funds transfer method and system including payment enabled invoices |
US7383223B1 (en) * | 2000-09-20 | 2008-06-03 | Cashedge, Inc. | Method and apparatus for managing multiple accounts |
US20030236728A1 (en) * | 2000-09-20 | 2003-12-25 | Amir Sunderji | Method and apparatus for managing a financial transaction system |
US7720755B1 (en) * | 2000-11-16 | 2010-05-18 | First Data Corporation | Card-based system and method for issuing negotiable instruments |
US7895098B2 (en) | 2001-03-01 | 2011-02-22 | Jpmorgan Chase Bank, N.A. | System and method for measuring and utilizing pooling analytics |
US7440914B2 (en) * | 2001-07-27 | 2008-10-21 | Promontory Interfinancial Networks, Llc | Method and apparatus for fully insuring large bank deposits |
US20050187867A1 (en) * | 2002-01-03 | 2005-08-25 | Sokolic Jeremy N. | System and method for associating identifiers with transactions |
US20040236653A1 (en) * | 2002-01-03 | 2004-11-25 | Sokolic Jeremy N. | System and method for associating identifiers with data |
US7203845B2 (en) * | 2002-01-11 | 2007-04-10 | Cashedge, Inc. | Multiple trust modes for handling data |
US7383227B2 (en) * | 2002-05-14 | 2008-06-03 | Early Warning Services, Llc | Database for check risk decisions populated with check activity data from banks of first deposit |
US20040019496A1 (en) * | 2002-05-30 | 2004-01-29 | Chevron U.S.A. Inc. | System and method for law practice information management |
US20040138973A1 (en) * | 2003-01-14 | 2004-07-15 | American Express Travel Related Services Company, Inc. | Method and system for exchange of currency related instructions |
US7873571B1 (en) | 2003-05-30 | 2011-01-18 | Wintrust Financial Corporation | Brokerage account fund management method |
US20080010189A1 (en) * | 2003-06-19 | 2008-01-10 | Ronald John Rosenberger | Multiple account multiple parameter debit method, apparatus and systems for transaction processor |
US20060259390A1 (en) * | 2003-06-19 | 2006-11-16 | Rosenberger Ronald J | Multiple account preset parameter method, apparatus and systems for financial transactions and accounts |
CA2529514A1 (en) * | 2003-07-15 | 2005-02-03 | American Express Travel Related Services Company, Inc. | System and method for activating or changing the status of an account associated with a prepaid card |
US7904372B2 (en) | 2003-08-21 | 2011-03-08 | Finistar, Inc. | Methods and systems for facilitating transactions between commercial banks and pooled depositor groups |
US8090651B2 (en) | 2003-08-21 | 2012-01-03 | Anova Financial Corporation | Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits |
US20050080739A1 (en) * | 2003-10-08 | 2005-04-14 | Michael Sherzan | Method of providing indexed certificates of deposit |
US20050080692A1 (en) * | 2003-10-10 | 2005-04-14 | Amarjit Padam | System and method for distributing payments between multiple accounts |
US7206761B2 (en) | 2003-11-13 | 2007-04-17 | Robert Charles Colvin | Methods and systems for securitization of certificates of deposit |
US8799120B2 (en) * | 2003-11-14 | 2014-08-05 | Capital One Financial Corporation | Systems and methods for managing a financial investment fund |
US7756767B2 (en) | 2004-01-21 | 2010-07-13 | Keycorp | System and method for renegotiating a financial instrument |
CN107545468A (en) * | 2004-04-14 | 2018-01-05 | 六大洲酒店有限公司 | Self-funded commission management system |
US20060047593A1 (en) * | 2004-09-01 | 2006-03-02 | Ubs Financial Services Inc. | Method and system for funds management |
US20060195398A1 (en) * | 2005-02-04 | 2006-08-31 | Sanjeev Dheer | Method and apparatus for processing payment requests |
US8788413B2 (en) * | 2005-05-05 | 2014-07-22 | Capital One Financial Corporation | System and method for managing related accounts |
US7814017B2 (en) | 2005-06-24 | 2010-10-12 | Wells Fargo Bank, N.A. | Simple on-line payments facility |
US8234215B2 (en) * | 2005-06-24 | 2012-07-31 | Cng Financial Corporation | Method for prepaid debit card with overdraft capabilities |
US7837100B2 (en) * | 2005-07-05 | 2010-11-23 | American Express Travel Related Services Company, Inc. | System, method, and computer program product for issuing and using debit cards |
US8660920B2 (en) * | 2005-08-16 | 2014-02-25 | New Affinity Concepts Corp. | Managed deposit program |
US20070067239A1 (en) * | 2005-09-19 | 2007-03-22 | Cashedge, Inc. | Method and Apparatus for Transferring Financial Information |
US20070100748A1 (en) * | 2005-10-19 | 2007-05-03 | Sanjeev Dheer | Multi-channel transaction system for transferring assets between accounts at different financial institutions |
US7886969B2 (en) | 2005-12-06 | 2011-02-15 | Visa U.S.A. Inc. | Method and system for loading and reloading portable consumer devices |
US7640199B1 (en) | 2006-11-03 | 2009-12-29 | Promontory Interfinancial Network, Llc | Auditing and reconciling custodial accounts |
US20080179393A1 (en) * | 2007-01-30 | 2008-07-31 | Nizam Antoo | Method and system using portable consumer device including payment capability |
US8380621B1 (en) | 2007-02-28 | 2013-02-19 | Island Intellectual Property Llc | Systems, methods and program products for swap processing for uninsured accounts |
US8260705B1 (en) | 2007-02-28 | 2012-09-04 | Island Intellectual Property Llc | Systems, methods and program products for deposit and withdrawal processing |
US8032456B1 (en) | 2008-02-11 | 2011-10-04 | Island Intellectual Property Llc | System, methods and program products for processing for a self clearing broker dealer |
US20080288376A1 (en) * | 2007-04-27 | 2008-11-20 | Cashedge, Inc. | Centralized payment hub method and system |
WO2008137748A1 (en) * | 2007-05-02 | 2008-11-13 | Cashedge, Inc. | Multi-channel and cross-channel account opening |
US20090063355A1 (en) * | 2007-08-31 | 2009-03-05 | Nizam Antoo | Method and system using reloadable portable consumer devices |
US8364586B1 (en) * | 2007-12-06 | 2013-01-29 | United Services Automobile Association (Usaa) | Systems and methods for implementing intelligent banking account system |
US20100030687A1 (en) * | 2008-01-18 | 2010-02-04 | Cashedge, Inc. | Real-Time Settlement of Financial Transactions Using Electronic Fund Transfer Networks |
US10255609B2 (en) | 2008-02-21 | 2019-04-09 | Micronotes, Inc. | Interactive marketing system |
US20090240567A1 (en) * | 2008-02-21 | 2009-09-24 | Micronotes, Llc | Interactive marketing system |
WO2009135225A1 (en) * | 2008-05-02 | 2009-11-05 | Cashedge, Inc. | Multi-product-multi-channel payment platform system and method |
US9235831B2 (en) | 2009-04-22 | 2016-01-12 | Gofigure Payments, Llc | Mobile payment systems and methods |
US8352342B1 (en) | 2009-06-19 | 2013-01-08 | Island Intellectual Property Llc | Method and system for determining fees for deposits allocated over a plurality of deposit institutions |
US8626659B1 (en) | 2012-09-28 | 2014-01-07 | Fiserv, Inc. | Facilitating presentation of content relating to a financial transaction |
US20140188728A1 (en) | 2012-12-31 | 2014-07-03 | Fiserv, Inc. | Systems and methods for performing financial transactions |
US10185946B2 (en) | 2014-12-31 | 2019-01-22 | Fiserv, Inc. | Facilitating presentation of content relating to a financial transaction |
US11551298B1 (en) | 2019-11-20 | 2023-01-10 | SolidusLink AG | Systems, methods, and program products for operating an exchange-traded fund |
Citations (141)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4232367A (en) * | 1978-06-12 | 1980-11-04 | Youden Robert H | Apparatus for maximizing interest earnings and providing payments from principal without interest penalty |
US4346442A (en) | 1980-07-29 | 1982-08-24 | Merrill Lynch, Pierce, Fenner & Smith Incorporated | Securities brokerage-cash management system |
US4376978A (en) | 1980-07-29 | 1983-03-15 | Merrill Lynch Pierce, Fenner & Smith | Securities brokerage-cash management system |
US4597046A (en) | 1980-10-22 | 1986-06-24 | Merrill Lynch, Pierce Fenner & Smith | Securities brokerage-cash management system obviating float costs by anticipatory liquidation of short term assets |
US4674044A (en) | 1985-01-30 | 1987-06-16 | Merrill Lynch, Pierce, Fenner & Smith, Inc. | Automated securities trading system |
US4694397A (en) | 1984-12-27 | 1987-09-15 | The Advest Group, Inc. | Banking/brokerage computer interface system |
US4700297A (en) | 1984-09-14 | 1987-10-13 | Merrill Lynch Relocation Management, Inc. | Relocation management and reporting system |
US4751640A (en) * | 1984-06-14 | 1988-06-14 | Citibank, Na | Automated investment system |
US4774663A (en) | 1980-07-29 | 1988-09-27 | Merrill Lynch, Pierce, Fenner & Smith Incorporated | Securities brokerage-cash management system with short term investment proceeds allotted among multiple accounts |
US4953085A (en) | 1987-04-15 | 1990-08-28 | Proprietary Financial Products, Inc. | System for the operation of a financial account |
US4985833A (en) | 1988-08-24 | 1991-01-15 | First City, Texas- N. A. | Extended coverage monetary regulation system |
US5126936A (en) | 1989-09-01 | 1992-06-30 | Champion Securities | Goal-directed financial asset management system |
US5206803A (en) | 1991-03-15 | 1993-04-27 | Vitagliano Francis M | System for enhanced management of pension-backed credit |
US5220501A (en) | 1989-12-08 | 1993-06-15 | Online Resources, Ltd. | Method and system for remote delivery of retail banking services |
US5235507A (en) | 1990-01-16 | 1993-08-10 | P. B. Toau And Company, Ltd. | Health insurance management system |
US5262942A (en) * | 1990-06-05 | 1993-11-16 | Bankers Trust Company | Financial transaction network |
US5270922A (en) | 1984-06-29 | 1993-12-14 | Merrill Lynch & Company, Inc. | System for distributing, processing and displaying financial information |
US5291398A (en) | 1992-07-10 | 1994-03-01 | Hagan Bernard P | Method and system for processing federally insured annuity and life insurance investments |
US5297032A (en) | 1991-02-01 | 1994-03-22 | Merrill Lynch, Pierce, Fenner & Smith Incorporated | Securities trading workstation |
US5424938A (en) | 1992-10-13 | 1995-06-13 | First Chicago Corporation | Method and apparatus for providing access to a plurality of payment networks |
WO1995023379A1 (en) * | 1994-02-28 | 1995-08-31 | Hagan Bernard P | Data processing system and method for maintaining an insured savings account structure |
US5631828A (en) | 1992-07-10 | 1997-05-20 | Hagan; Bernard P. | Method and system for processing federally insured annuity and life insurance investments |
US5644727A (en) | 1987-04-15 | 1997-07-01 | Proprietary Financial Products, Inc. | System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing |
US5671363A (en) | 1992-09-01 | 1997-09-23 | Merril Lynch, Pierce, Fenner & Smith Inc. | Private stock option account control and exercise system |
US5689650A (en) * | 1995-02-23 | 1997-11-18 | Mcclelland; Glenn B. | Community reinvestment act network |
US5710889A (en) | 1995-02-22 | 1998-01-20 | Citibank, N.A. | Interface device for electronically integrating global financial services |
JPH1049590A (en) * | 1996-07-31 | 1998-02-20 | Kiyapitaru Asetsuto Planning:Kk | Efficient designing method for corporation insurance, and computer-readable storage medium storing program containing instruction making computer execute designing process |
US5765144A (en) | 1996-06-24 | 1998-06-09 | Merrill Lynch & Co., Inc. | System for selecting liability products and preparing applications therefor |
US5774880A (en) | 1992-06-10 | 1998-06-30 | Cantor Fitzgerald & Co., Inc. | Fixed income portfolio index processor |
US5781654A (en) | 1996-01-18 | 1998-07-14 | Merrill Lynch & Co., Inc. | Check authentication system utilizing payee information |
US5802499A (en) | 1995-07-13 | 1998-09-01 | Cedel Bank | Method and system for providing credit support to parties associated with derivative and other financial transactions |
US5806048A (en) | 1995-10-12 | 1998-09-08 | Mopex, Inc. | Open end mutual fund securitization process |
US5806049A (en) | 1993-04-21 | 1998-09-08 | Petruzzi; Christopher R. | Data processing system for global assessment of investment opportunity and cost |
US5812987A (en) | 1993-08-18 | 1998-09-22 | Barclays Global Investors, National Association | Investment fund management method and system with dynamic risk adjusted allocation of assets |
US5826243A (en) | 1994-01-03 | 1998-10-20 | Merrill Lynch & Co., Inc. | Integrated system for controlling master account and nested subaccount(s) |
US5852811A (en) | 1987-04-15 | 1998-12-22 | Proprietary Financial Products, Inc. | Method for managing financial accounts by a preferred allocation of funds among accounts |
US5864685A (en) | 1994-02-28 | 1999-01-26 | Hagan; Bernard P. | Increasing income trust computer transaction system and insured investment account system |
US5878405A (en) | 1996-09-25 | 1999-03-02 | Coordinated Data Services, Inc. | Pension planning and liquidity management system |
US5878258A (en) | 1996-05-06 | 1999-03-02 | Merrill Lynch, Pierce, Fenner & Smith | Seamless application interface manager |
US5890141A (en) | 1996-01-18 | 1999-03-30 | Merrill Lynch & Co., Inc. | Check alteration detection system and method |
US5893078A (en) | 1997-03-26 | 1999-04-06 | Carreker-Antinori, Inc. | System and method for determining optimal sweep threshold parameters for demand deposit accounts |
WO1999018529A1 (en) | 1997-10-03 | 1999-04-15 | Martin Joseph B Jr | Automated debt payment system and method using atm network |
US5903881A (en) | 1997-06-05 | 1999-05-11 | Intuit, Inc. | Personal online banking with integrated online statement and checkbook user interface |
US5905974A (en) | 1996-12-13 | 1999-05-18 | Cantor Fitzgerald Securities | Automated auction protocol processor |
US5940809A (en) | 1996-08-19 | 1999-08-17 | Merrill Lynch & Co. | Securities brokerage-asset management system |
US5941996A (en) | 1997-07-25 | 1999-08-24 | Merrill Lynch & Company, Incorporated | Distributed network agents |
US5946667A (en) | 1994-04-06 | 1999-08-31 | Morgan Stanley Group, Inc. | Data processing system and method for financial debt instruments |
US5950175A (en) | 1994-10-14 | 1999-09-07 | Merrill Lynch, Pierce, Fenner & Smith Incorporated | System for managing real estate SWAP accounts |
US5974390A (en) | 1997-07-21 | 1999-10-26 | The Mutual Life Insurance Company Of New York | System and method for assuring predictable gains |
US5978779A (en) | 1997-11-14 | 1999-11-02 | Merrill Lynch, Pierce, Fenner & Smith | Distributed architecture utility |
US6014642A (en) | 1996-05-06 | 2000-01-11 | Merrill Lynch & Co | System for benefits processing |
US6016482A (en) | 1996-01-11 | 2000-01-18 | Merrill Lynch & Co., Inc. | Enhanced collateralized funding processor |
US6026438A (en) | 1997-10-31 | 2000-02-15 | Merrill Lynch & Co., Inc. | Dynamic workstation configuration processor |
US6041314A (en) | 1997-12-22 | 2000-03-21 | Davis; Walter Lee | Multiple account portable wireless financial messaging unit |
US6044371A (en) | 1997-10-30 | 2000-03-28 | Merrill Lynch, Pierce, Fenner & Smith | Method for modifying computer system and system resulting therefrom |
US6047324A (en) | 1998-02-05 | 2000-04-04 | Merrill Lynch & Co. Inc. | Scalable distributed network controller |
US6049782A (en) | 1996-05-31 | 2000-04-11 | Citibank, N.A. | Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution |
US6052673A (en) | 1985-08-27 | 2000-04-18 | Trans Texas Holdings Corporation | Investment management |
US6105005A (en) | 1997-09-15 | 2000-08-15 | Merrill Lynch & Co., Inc. | System for enhanced financial trading support |
US6108641A (en) | 1994-01-03 | 2000-08-22 | Merrill Lynch, Pierce, Fenner & Smith | Integrated nested account financial system with medical savings subaccount |
US6112191A (en) | 1993-02-18 | 2000-08-29 | Every Penny Counts, Inc. | Method and system to create and distribute excess funds from consumer spending transactions |
US6119093A (en) | 1997-07-01 | 2000-09-12 | Walker Asset Management Limited Partnership | System for syndication of insurance |
US6131810A (en) | 1995-06-07 | 2000-10-17 | Citibank, N.A. | Integrated full service consumer banking system and system and method for opening an account |
US6154770A (en) | 1997-10-30 | 2000-11-28 | Merrill Lynch & Co. Inc. | Internetwork communication system using tiers of configurable multiple bandwidth capacity modes of operation |
US6192347B1 (en) | 1992-10-28 | 2001-02-20 | Graff/Ross Holdings | System and methods for computing to support decomposing property into separately valued components |
US6189785B1 (en) | 1998-04-14 | 2001-02-20 | International Check Services | Demand deposit account data processing system |
US6226623B1 (en) | 1996-05-23 | 2001-05-01 | Citibank, N.A. | Global financial services integration system and process |
US20010032182A1 (en) | 1998-12-08 | 2001-10-18 | Srihari Kumar | Interactive bill payment center |
US6317783B1 (en) | 1998-10-28 | 2001-11-13 | Verticalone Corporation | Apparatus and methods for automated aggregation and delivery of and transactions involving electronic personal information or data |
US6324523B1 (en) | 1997-09-30 | 2001-11-27 | Merrill Lynch & Co., Inc. | Integrated client relationship management processor |
US20020007330A1 (en) | 1998-12-08 | 2002-01-17 | Srihari Kumar | Interactive transaction center interface |
US6363360B1 (en) | 1999-09-27 | 2002-03-26 | Martin P. Madden | System and method for analyzing and originating a contractual option arrangement for a bank deposits liabilities base |
US6374231B1 (en) | 1998-10-21 | 2002-04-16 | Bruce Bent | Money fund banking system |
WO2002042952A1 (en) | 2000-11-27 | 2002-05-30 | Commonwealth Bank Of Australia | Aggregation service |
US20020069147A1 (en) | 2000-12-01 | 2002-06-06 | Sheehan Richard G. | System for determining a useful life of core deposits and interest rate sensitivity thereof |
US20020087454A1 (en) | 2000-12-30 | 2002-07-04 | Bea Calo | Global trading system |
US20020091637A1 (en) | 1998-10-21 | 2002-07-11 | Bruce Bent | Systems and methods for administering return sweep accounts |
US20020128951A1 (en) | 1995-10-12 | 2002-09-12 | Kenneth Kiron | Open end mutual fund securitization process |
US20020161707A1 (en) | 2001-03-30 | 2002-10-31 | Alan Cole | Method and system for multi-currency escrow service for web-based transactions |
US20020165757A1 (en) | 2001-05-01 | 2002-11-07 | Lisser Charles Steven | Systems, methods and computer program products for comparing business performance |
US20020178098A1 (en) | 2001-03-01 | 2002-11-28 | Beard Mark L. | System and method for measuring and utilizing pooling analytics |
US20020194099A1 (en) | 1997-10-30 | 2002-12-19 | Weiss Allan N. | Proxy asset system and method |
US6513020B1 (en) | 1997-10-30 | 2003-01-28 | Macro Securities Research, Llc | Proxy asset data processor |
US20030023529A1 (en) | 2001-07-27 | 2003-01-30 | Jacobsen Mark P. | Method and apparatus for fully insuring large bank deposits |
US20030041003A1 (en) | 2000-06-20 | 2003-02-27 | Leo Kayser | Automated matching system for borrowers and savers |
US20030149646A1 (en) | 2002-02-01 | 2003-08-07 | Ubs Painewebber Inc. | Method and system for providing an aggregated stock options report |
US20030163403A1 (en) | 2002-02-01 | 2003-08-28 | Ubs Painewebber Inc. | Method and system for providing a weighted average aggregated accounts report |
US20030177092A1 (en) | 2002-03-12 | 2003-09-18 | Paglin Renan C. | Emerging market banking system |
US20030191702A1 (en) | 2002-04-09 | 2003-10-09 | Hurley William J. | Asset backed debt consolidation |
US20030200174A1 (en) | 1999-05-10 | 2003-10-23 | Onecore Financial Network, Inc. | Systems and methods for depositing funds to a financial service provider |
US20030208438A1 (en) | 2000-06-06 | 2003-11-06 | Michael Rothman | System and method for extracting value for consumers and institutions from depth of relationships |
US20030236728A1 (en) | 2000-09-20 | 2003-12-25 | Amir Sunderji | Method and apparatus for managing a financial transaction system |
US20040039674A1 (en) | 2002-01-28 | 2004-02-26 | Coloma Jorge H. | Certificate of deposit portfolio system and method |
US20040107157A1 (en) | 2002-12-03 | 2004-06-03 | Daniel Bleunven | Network-based sub-allocation systems and methods for swaps |
US20040111361A1 (en) | 2002-11-15 | 2004-06-10 | Automatic Data Processing, Inc. | System and method for value delivery |
US20040128235A1 (en) | 2002-12-30 | 2004-07-01 | Fannie Mae | Cash flow aggregation system and method |
US20040128229A1 (en) | 2002-12-30 | 2004-07-01 | Fannie Mae | System and method for processing data pertaining to financial assets |
US20040138974A1 (en) | 2002-12-27 | 2004-07-15 | Atsushi Shimamura | Method and system for managing money of a customer |
US20040153398A1 (en) | 2003-01-30 | 2004-08-05 | First Data Corporation | Financial settlement systems and methods |
US20040162773A1 (en) | 2000-11-02 | 2004-08-19 | Del Rey Bernard M. | System and method for aggregate portfolio client support |
US20040177036A1 (en) | 2001-05-23 | 2004-09-09 | Atsuo Nutahara | Bank account automatic adjustment system |
US20050044038A1 (en) | 2003-08-21 | 2005-02-24 | Finistar, Inc. | Methods and systems for facilitating transactions between commercial banks and pooled depositor groups |
US20050091137A1 (en) | 2003-10-27 | 2005-04-28 | Woeber Andrew K. | Combination debt/equity units |
US20050102226A1 (en) | 2002-12-30 | 2005-05-12 | Dror Oppenheimer | System and method of accounting for mortgage related transactions |
US20050102225A1 (en) | 2002-12-30 | 2005-05-12 | Dror Oppenheimer | System and method for processing data pertaining to financial assets |
US20050108149A1 (en) | 1998-10-21 | 2005-05-19 | Reserve Management Corporation | System and methods for managing client accounts |
US20050108120A1 (en) | 2003-11-14 | 2005-05-19 | Capital One Financial Corporation | Systems and methods for managing a financial investment fund |
US20050114246A1 (en) | 2002-01-28 | 2005-05-26 | Coloma Jorge H. | Certificate of deposit portfolio system and method |
US20050154662A1 (en) | 2003-11-06 | 2005-07-14 | Langenwalter James A. | Asset allocation, rebalancing, and investment management system |
US6970843B1 (en) | 2000-08-24 | 2005-11-29 | Forte Patrick A | Financial management system |
US20060047593A1 (en) | 2004-09-01 | 2006-03-02 | Ubs Financial Services Inc. | Method and system for funds management |
US20060155644A1 (en) | 2005-01-12 | 2006-07-13 | Visa International | Pre-funding system and method |
WO2005006111A3 (en) | 2003-04-29 | 2006-07-13 | Visa Usa Inc | Method and system for facilitating switching of financial institution accounts |
US20060167773A1 (en) | 2003-11-12 | 2006-07-27 | Kangle Yang | Settlement of auctions by determining quantity before price |
US7089202B1 (en) | 1999-05-27 | 2006-08-08 | Cathleen Noland | Method and system for internet banking and financial services |
US20060213980A1 (en) | 2005-03-25 | 2006-09-28 | Bluko Information Group | Method and system of detecting cash deposits and attributing value |
US7124101B1 (en) | 1999-11-22 | 2006-10-17 | Accenture Llp | Asset tracking in a network-based supply chain environment |
US20060273152A1 (en) | 2005-06-07 | 2006-12-07 | First Data Corporation | Dynamic aggregation of payment transactions |
US20070043666A1 (en) | 2005-08-16 | 2007-02-22 | Burdette William R | Managed deposit program |
US7206761B2 (en) | 2003-11-13 | 2007-04-17 | Robert Charles Colvin | Methods and systems for securitization of certificates of deposit |
US7216100B2 (en) | 1999-01-11 | 2007-05-08 | Teq Development | Method for obtaining and allocating investment income based on the capitalization of intellectual property |
US20070118449A1 (en) | 2004-11-22 | 2007-05-24 | De La Motte Alain L | Trust-linked debit card technology |
US20070130065A1 (en) | 2005-12-05 | 2007-06-07 | E*Trade Bank | Methods and system for incentive maximizer aggregation account and automatic balance transfer |
US20070288400A1 (en) | 2006-06-08 | 2007-12-13 | Structured Investment Management | System and methods for continuously offered guaranteed mutual fund with full and permanent allocation to risky markets investments |
US20080015985A1 (en) | 2006-07-11 | 2008-01-17 | Armand Abhari | System and process for expedited payment through online banking/payment channel |
US20080046358A1 (en) | 1998-04-24 | 2008-02-21 | First Data Corporation | Methods For Processing A Group Of Accounts Corresponding To Different Products |
US20080065532A1 (en) | 2004-11-22 | 2008-03-13 | De La Motte Alan L | Revenue-producing bank card system & method providing the functionality & protection of trust-connected banking |
US20080097899A1 (en) | 2006-07-14 | 2008-04-24 | The Clearing House Payments Company L.L.C. | Method and system for electronic settlement of checks |
US7383223B1 (en) | 2000-09-20 | 2008-06-03 | Cashedge, Inc. | Method and apparatus for managing multiple accounts |
US20080133280A1 (en) | 2006-12-05 | 2008-06-05 | Ziegler Ronald L | Asset pool withdrawal guarantee |
US20080133396A1 (en) | 2006-08-01 | 2008-06-05 | De La Motte Alain L | System and method for executing secure exchange transactions |
US7401037B2 (en) | 2001-02-20 | 2008-07-15 | The Prudential Insurance Company Of America | System, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity |
US20090006985A1 (en) | 2007-06-29 | 2009-01-01 | Fong Spencer W | Using interactive scripts to facilitate web-based aggregation |
US20090012899A1 (en) | 2007-07-06 | 2009-01-08 | Mark Friesen | Systems and methods for generating and managing a linked deposit-only account identifier |
US7509286B1 (en) | 1998-10-21 | 2009-03-24 | Reserve Management Corporation | Systems and methods for money fund banking with flexible interest allocation |
US7536350B1 (en) | 1998-10-21 | 2009-05-19 | Island Intellectual Property Llc | Systems and methods for providing enhanced account management services for multiple banks |
US7640199B1 (en) | 2006-11-03 | 2009-12-29 | Promontory Interfinancial Network, Llc | Auditing and reconciling custodial accounts |
US7668772B1 (en) | 1998-10-21 | 2010-02-23 | Island Intellectual Property Llc | Systems and methods for money fund banking with flexible interest allocation |
US7668771B1 (en) | 2007-02-28 | 2010-02-23 | Island Intellectual Property Llc | System and method for allocation to obtain zero activity in a selected aggregated account |
US7680734B1 (en) | 1998-10-21 | 2010-03-16 | Island Intellectual Property Llc | Money fund banking system |
US8032456B1 (en) | 2008-02-11 | 2011-10-04 | Island Intellectual Property Llc | System, methods and program products for processing for a self clearing broker dealer |
-
1998
- 1998-10-21 US US09/176,340 patent/US6374231B1/en not_active Ceased
-
2004
- 2004-04-14 US US10/825,440 patent/USRE43246E1/en not_active Expired - Lifetime
Patent Citations (178)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US4232367A (en) * | 1978-06-12 | 1980-11-04 | Youden Robert H | Apparatus for maximizing interest earnings and providing payments from principal without interest penalty |
US4346442A (en) | 1980-07-29 | 1982-08-24 | Merrill Lynch, Pierce, Fenner & Smith Incorporated | Securities brokerage-cash management system |
US4376978A (en) | 1980-07-29 | 1983-03-15 | Merrill Lynch Pierce, Fenner & Smith | Securities brokerage-cash management system |
US4774663A (en) | 1980-07-29 | 1988-09-27 | Merrill Lynch, Pierce, Fenner & Smith Incorporated | Securities brokerage-cash management system with short term investment proceeds allotted among multiple accounts |
US4597046A (en) | 1980-10-22 | 1986-06-24 | Merrill Lynch, Pierce Fenner & Smith | Securities brokerage-cash management system obviating float costs by anticipatory liquidation of short term assets |
US4751640A (en) * | 1984-06-14 | 1988-06-14 | Citibank, Na | Automated investment system |
US5270922A (en) | 1984-06-29 | 1993-12-14 | Merrill Lynch & Company, Inc. | System for distributing, processing and displaying financial information |
US4700297A (en) | 1984-09-14 | 1987-10-13 | Merrill Lynch Relocation Management, Inc. | Relocation management and reporting system |
US4694397A (en) | 1984-12-27 | 1987-09-15 | The Advest Group, Inc. | Banking/brokerage computer interface system |
US4674044A (en) | 1985-01-30 | 1987-06-16 | Merrill Lynch, Pierce, Fenner & Smith, Inc. | Automated securities trading system |
US6052673A (en) | 1985-08-27 | 2000-04-18 | Trans Texas Holdings Corporation | Investment management |
US5852811A (en) | 1987-04-15 | 1998-12-22 | Proprietary Financial Products, Inc. | Method for managing financial accounts by a preferred allocation of funds among accounts |
US4953085A (en) | 1987-04-15 | 1990-08-28 | Proprietary Financial Products, Inc. | System for the operation of a financial account |
US5644727A (en) | 1987-04-15 | 1997-07-01 | Proprietary Financial Products, Inc. | System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing |
US5884285A (en) | 1987-04-15 | 1999-03-16 | Proprietary Financial Products, Inc. | System for managing financial accounts by reallocating funds among accounts |
US5875437A (en) | 1987-04-15 | 1999-02-23 | Proprietary Financial Products, Inc. | System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing |
US4985833A (en) | 1988-08-24 | 1991-01-15 | First City, Texas- N. A. | Extended coverage monetary regulation system |
US5126936A (en) | 1989-09-01 | 1992-06-30 | Champion Securities | Goal-directed financial asset management system |
US5220501A (en) | 1989-12-08 | 1993-06-15 | Online Resources, Ltd. | Method and system for remote delivery of retail banking services |
US5235507A (en) | 1990-01-16 | 1993-08-10 | P. B. Toau And Company, Ltd. | Health insurance management system |
US5262942A (en) * | 1990-06-05 | 1993-11-16 | Bankers Trust Company | Financial transaction network |
US5297032A (en) | 1991-02-01 | 1994-03-22 | Merrill Lynch, Pierce, Fenner & Smith Incorporated | Securities trading workstation |
US5206803A (en) | 1991-03-15 | 1993-04-27 | Vitagliano Francis M | System for enhanced management of pension-backed credit |
US5774880A (en) | 1992-06-10 | 1998-06-30 | Cantor Fitzgerald & Co., Inc. | Fixed income portfolio index processor |
US5631828A (en) | 1992-07-10 | 1997-05-20 | Hagan; Bernard P. | Method and system for processing federally insured annuity and life insurance investments |
US5291398A (en) | 1992-07-10 | 1994-03-01 | Hagan Bernard P | Method and system for processing federally insured annuity and life insurance investments |
US5671363A (en) | 1992-09-01 | 1997-09-23 | Merril Lynch, Pierce, Fenner & Smith Inc. | Private stock option account control and exercise system |
US5424938A (en) | 1992-10-13 | 1995-06-13 | First Chicago Corporation | Method and apparatus for providing access to a plurality of payment networks |
US20020046144A1 (en) | 1992-10-28 | 2002-04-18 | Graff Richard A. | Further improved system and methods for computing to support decomposing property into separately valued components |
US6192347B1 (en) | 1992-10-28 | 2001-02-20 | Graff/Ross Holdings | System and methods for computing to support decomposing property into separately valued components |
US6112191A (en) | 1993-02-18 | 2000-08-29 | Every Penny Counts, Inc. | Method and system to create and distribute excess funds from consumer spending transactions |
US5806049A (en) | 1993-04-21 | 1998-09-08 | Petruzzi; Christopher R. | Data processing system for global assessment of investment opportunity and cost |
US5812987A (en) | 1993-08-18 | 1998-09-22 | Barclays Global Investors, National Association | Investment fund management method and system with dynamic risk adjusted allocation of assets |
US7133840B1 (en) | 1994-01-03 | 2006-11-07 | Kenna Janine S | Integrated nested account financial system with medical savings subaccount |
US5826243A (en) | 1994-01-03 | 1998-10-20 | Merrill Lynch & Co., Inc. | Integrated system for controlling master account and nested subaccount(s) |
US6108641A (en) | 1994-01-03 | 2000-08-22 | Merrill Lynch, Pierce, Fenner & Smith | Integrated nested account financial system with medical savings subaccount |
US5864685A (en) | 1994-02-28 | 1999-01-26 | Hagan; Bernard P. | Increasing income trust computer transaction system and insured investment account system |
WO1995023379A1 (en) * | 1994-02-28 | 1995-08-31 | Hagan Bernard P | Data processing system and method for maintaining an insured savings account structure |
US6092056A (en) | 1994-04-06 | 2000-07-18 | Morgan Stanley Dean Witter | Data processing system and method for financial debt instruments |
US5946667A (en) | 1994-04-06 | 1999-08-31 | Morgan Stanley Group, Inc. | Data processing system and method for financial debt instruments |
US5950175A (en) | 1994-10-14 | 1999-09-07 | Merrill Lynch, Pierce, Fenner & Smith Incorporated | System for managing real estate SWAP accounts |
US5710889A (en) | 1995-02-22 | 1998-01-20 | Citibank, N.A. | Interface device for electronically integrating global financial services |
US5689650A (en) * | 1995-02-23 | 1997-11-18 | Mcclelland; Glenn B. | Community reinvestment act network |
US6131810A (en) | 1995-06-07 | 2000-10-17 | Citibank, N.A. | Integrated full service consumer banking system and system and method for opening an account |
US5802499A (en) | 1995-07-13 | 1998-09-01 | Cedel Bank | Method and system for providing credit support to parties associated with derivative and other financial transactions |
US5806048A (en) | 1995-10-12 | 1998-09-08 | Mopex, Inc. | Open end mutual fund securitization process |
US20020128951A1 (en) | 1995-10-12 | 2002-09-12 | Kenneth Kiron | Open end mutual fund securitization process |
US6088685A (en) | 1995-10-12 | 2000-07-11 | Mopex, Inc. | Open end mutual fund securitization process |
US6016482A (en) | 1996-01-11 | 2000-01-18 | Merrill Lynch & Co., Inc. | Enhanced collateralized funding processor |
US5890141A (en) | 1996-01-18 | 1999-03-30 | Merrill Lynch & Co., Inc. | Check alteration detection system and method |
US5781654A (en) | 1996-01-18 | 1998-07-14 | Merrill Lynch & Co., Inc. | Check authentication system utilizing payee information |
US6014642A (en) | 1996-05-06 | 2000-01-11 | Merrill Lynch & Co | System for benefits processing |
US5878258A (en) | 1996-05-06 | 1999-03-02 | Merrill Lynch, Pierce, Fenner & Smith | Seamless application interface manager |
US6226623B1 (en) | 1996-05-23 | 2001-05-01 | Citibank, N.A. | Global financial services integration system and process |
US6049782A (en) | 1996-05-31 | 2000-04-11 | Citibank, N.A. | Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution |
US5765144A (en) | 1996-06-24 | 1998-06-09 | Merrill Lynch & Co., Inc. | System for selecting liability products and preparing applications therefor |
JPH1049590A (en) * | 1996-07-31 | 1998-02-20 | Kiyapitaru Asetsuto Planning:Kk | Efficient designing method for corporation insurance, and computer-readable storage medium storing program containing instruction making computer execute designing process |
US5940809A (en) | 1996-08-19 | 1999-08-17 | Merrill Lynch & Co. | Securities brokerage-asset management system |
US5878405A (en) | 1996-09-25 | 1999-03-02 | Coordinated Data Services, Inc. | Pension planning and liquidity management system |
US5905974A (en) | 1996-12-13 | 1999-05-18 | Cantor Fitzgerald Securities | Automated auction protocol processor |
US5893078A (en) | 1997-03-26 | 1999-04-06 | Carreker-Antinori, Inc. | System and method for determining optimal sweep threshold parameters for demand deposit accounts |
US5903881A (en) | 1997-06-05 | 1999-05-11 | Intuit, Inc. | Personal online banking with integrated online statement and checkbook user interface |
US6119093A (en) | 1997-07-01 | 2000-09-12 | Walker Asset Management Limited Partnership | System for syndication of insurance |
US5974390A (en) | 1997-07-21 | 1999-10-26 | The Mutual Life Insurance Company Of New York | System and method for assuring predictable gains |
US5941996A (en) | 1997-07-25 | 1999-08-24 | Merrill Lynch & Company, Incorporated | Distributed network agents |
US6105005A (en) | 1997-09-15 | 2000-08-15 | Merrill Lynch & Co., Inc. | System for enhanced financial trading support |
US6324523B1 (en) | 1997-09-30 | 2001-11-27 | Merrill Lynch & Co., Inc. | Integrated client relationship management processor |
WO1999018529A1 (en) | 1997-10-03 | 1999-04-15 | Martin Joseph B Jr | Automated debt payment system and method using atm network |
US6513020B1 (en) | 1997-10-30 | 2003-01-28 | Macro Securities Research, Llc | Proxy asset data processor |
US6154770A (en) | 1997-10-30 | 2000-11-28 | Merrill Lynch & Co. Inc. | Internetwork communication system using tiers of configurable multiple bandwidth capacity modes of operation |
US20020194099A1 (en) | 1997-10-30 | 2002-12-19 | Weiss Allan N. | Proxy asset system and method |
US6044371A (en) | 1997-10-30 | 2000-03-28 | Merrill Lynch, Pierce, Fenner & Smith | Method for modifying computer system and system resulting therefrom |
US6026438A (en) | 1997-10-31 | 2000-02-15 | Merrill Lynch & Co., Inc. | Dynamic workstation configuration processor |
US5978779A (en) | 1997-11-14 | 1999-11-02 | Merrill Lynch, Pierce, Fenner & Smith | Distributed architecture utility |
US6041314A (en) | 1997-12-22 | 2000-03-21 | Davis; Walter Lee | Multiple account portable wireless financial messaging unit |
US6047324A (en) | 1998-02-05 | 2000-04-04 | Merrill Lynch & Co. Inc. | Scalable distributed network controller |
US6189785B1 (en) | 1998-04-14 | 2001-02-20 | International Check Services | Demand deposit account data processing system |
US20080046358A1 (en) | 1998-04-24 | 2008-02-21 | First Data Corporation | Methods For Processing A Group Of Accounts Corresponding To Different Products |
US7680734B1 (en) | 1998-10-21 | 2010-03-16 | Island Intellectual Property Llc | Money fund banking system |
US7672886B2 (en) | 1998-10-21 | 2010-03-02 | Island Intellectual Property Llc | Systems and methods for managing client accounts |
US20050228733A1 (en) | 1998-10-21 | 2005-10-13 | Reserve Management Corporation | Systems and methods for managing client accounts |
US20050108149A1 (en) | 1998-10-21 | 2005-05-19 | Reserve Management Corporation | System and methods for managing client accounts |
US20020091637A1 (en) | 1998-10-21 | 2002-07-11 | Bruce Bent | Systems and methods for administering return sweep accounts |
US20070271174A2 (en) | 1998-10-21 | 2007-11-22 | Reserve Management Corporation | Money fund banking system with multiple banks and/or rates |
US20080120228A1 (en) | 1998-10-21 | 2008-05-22 | Reserve Management Corporation | Money fund banking system with multiple banks and/or rates |
US7509286B1 (en) | 1998-10-21 | 2009-03-24 | Reserve Management Corporation | Systems and methods for money fund banking with flexible interest allocation |
US7519551B2 (en) | 1998-10-21 | 2009-04-14 | Island Intellectual Property Llc | Systems and methods for administering return sweep accounts |
US6374231B1 (en) | 1998-10-21 | 2002-04-16 | Bruce Bent | Money fund banking system |
US7536350B1 (en) | 1998-10-21 | 2009-05-19 | Island Intellectual Property Llc | Systems and methods for providing enhanced account management services for multiple banks |
US7933821B1 (en) | 1998-10-21 | 2011-04-26 | Island Intellectual Property Llc | Systems and methods for administering return sweep accounts |
US7668772B1 (en) | 1998-10-21 | 2010-02-23 | Island Intellectual Property Llc | Systems and methods for money fund banking with flexible interest allocation |
US7809640B1 (en) | 1998-10-21 | 2010-10-05 | Island Intellectual Property Llc | Money fund banking system |
US7769688B1 (en) | 1998-10-21 | 2010-08-03 | Island Intellectual Property Llc | Money fund banking system |
US7752129B2 (en) | 1998-10-21 | 2010-07-06 | Island Intellectual Property Llc | Systems and methods for managing client accounts |
US7716131B2 (en) | 1998-10-21 | 2010-05-11 | Island Intellectual Property Llc | Money fund banking system with multiple banks and/or rates |
US6317783B1 (en) | 1998-10-28 | 2001-11-13 | Verticalone Corporation | Apparatus and methods for automated aggregation and delivery of and transactions involving electronic personal information or data |
US20010032182A1 (en) | 1998-12-08 | 2001-10-18 | Srihari Kumar | Interactive bill payment center |
US20020007330A1 (en) | 1998-12-08 | 2002-01-17 | Srihari Kumar | Interactive transaction center interface |
US7216100B2 (en) | 1999-01-11 | 2007-05-08 | Teq Development | Method for obtaining and allocating investment income based on the capitalization of intellectual property |
US20030200174A1 (en) | 1999-05-10 | 2003-10-23 | Onecore Financial Network, Inc. | Systems and methods for depositing funds to a financial service provider |
US7089202B1 (en) | 1999-05-27 | 2006-08-08 | Cathleen Noland | Method and system for internet banking and financial services |
US6363360B1 (en) | 1999-09-27 | 2002-03-26 | Martin P. Madden | System and method for analyzing and originating a contractual option arrangement for a bank deposits liabilities base |
US20020082981A1 (en) | 1999-09-27 | 2002-06-27 | Madden Martin P. | System and method for analyzing and originating a contractual option arrangement for a bank deposits liabilities base |
US7124101B1 (en) | 1999-11-22 | 2006-10-17 | Accenture Llp | Asset tracking in a network-based supply chain environment |
US20030208438A1 (en) | 2000-06-06 | 2003-11-06 | Michael Rothman | System and method for extracting value for consumers and institutions from depth of relationships |
US20030041003A1 (en) | 2000-06-20 | 2003-02-27 | Leo Kayser | Automated matching system for borrowers and savers |
US6970843B1 (en) | 2000-08-24 | 2005-11-29 | Forte Patrick A | Financial management system |
US7383223B1 (en) | 2000-09-20 | 2008-06-03 | Cashedge, Inc. | Method and apparatus for managing multiple accounts |
US20030236728A1 (en) | 2000-09-20 | 2003-12-25 | Amir Sunderji | Method and apparatus for managing a financial transaction system |
US20040162773A1 (en) | 2000-11-02 | 2004-08-19 | Del Rey Bernard M. | System and method for aggregate portfolio client support |
US7103556B2 (en) | 2000-11-02 | 2006-09-05 | Jpmorgan Chase Bank, N.A. | System and method for aggregate portfolio client support |
US20060106703A1 (en) | 2000-11-02 | 2006-05-18 | First Usa Bank, Na | System and method for aggregate portfolio client support |
WO2002042952A1 (en) | 2000-11-27 | 2002-05-30 | Commonwealth Bank Of Australia | Aggregation service |
US7328179B2 (en) | 2000-12-01 | 2008-02-05 | Mcguire Performance Solutions, Inc. | System for determining a useful life of core deposits and interest rate sensitivity thereof |
US20020069147A1 (en) | 2000-12-01 | 2002-06-06 | Sheehan Richard G. | System for determining a useful life of core deposits and interest rate sensitivity thereof |
US20020087454A1 (en) | 2000-12-30 | 2002-07-04 | Bea Calo | Global trading system |
US7401037B2 (en) | 2001-02-20 | 2008-07-15 | The Prudential Insurance Company Of America | System, method, and computer program product for providing stabilized annuity payments and control of investments in a variable annuity |
US20020178098A1 (en) | 2001-03-01 | 2002-11-28 | Beard Mark L. | System and method for measuring and utilizing pooling analytics |
US20020161707A1 (en) | 2001-03-30 | 2002-10-31 | Alan Cole | Method and system for multi-currency escrow service for web-based transactions |
US20020165757A1 (en) | 2001-05-01 | 2002-11-07 | Lisser Charles Steven | Systems, methods and computer program products for comparing business performance |
US20040177036A1 (en) | 2001-05-23 | 2004-09-09 | Atsuo Nutahara | Bank account automatic adjustment system |
US20080222053A1 (en) | 2001-07-27 | 2008-09-11 | Promontory Interfinancial Network, Llc | Method and apparatus for fully insuring large bank deposits |
US7603307B2 (en) | 2001-07-27 | 2009-10-13 | Promontory Interfinancial Network, Llc | Computer-implemented method for fully insuring large bank deposits |
US8051005B2 (en) | 2001-07-27 | 2011-11-01 | Promontory Interfinancial Network, Llc | Automated method and article of manufacture for fully insuring large bank deposits via a network of banks with limits on amount of orders that a bank and/or customer can place with the network |
US8036986B2 (en) | 2001-07-27 | 2011-10-11 | Promontory Interfinancial Network Llc | Automated method and article of manufacture for fully insuring large bank deposits via a network of banks wherein depositor's bank retains a portion of the large bank deposit and the network distributes the remainder |
US20030023529A1 (en) | 2001-07-27 | 2003-01-30 | Jacobsen Mark P. | Method and apparatus for fully insuring large bank deposits |
US20030135437A1 (en) | 2001-07-27 | 2003-07-17 | Promontory Interfinancial Network, Llc | Method and apparatus for fully insuring large bank deposits |
US7440914B2 (en) | 2001-07-27 | 2008-10-21 | Promontory Interfinancial Networks, Llc | Method and apparatus for fully insuring large bank deposits |
US20090138412A1 (en) | 2001-07-27 | 2009-05-28 | Promontory Interfinancial Network, Llc | Computer-implemented method for fully insuring large bank deposits |
US7596522B1 (en) | 2001-07-27 | 2009-09-29 | Promontory Interfinancial Network, Llc | Computer program product for fully insuring large bank deposits |
US7376606B2 (en) | 2001-07-27 | 2008-05-20 | Promontory Interfinancial Network, Llc | Method and apparatus for fully insuring large bank deposits |
WO2003012580A3 (en) | 2001-07-27 | 2004-03-11 | Promontory Interfinancial Netw | Method and apparatus for fully insuring large bank deposits |
US20040039674A1 (en) | 2002-01-28 | 2004-02-26 | Coloma Jorge H. | Certificate of deposit portfolio system and method |
US20050114246A1 (en) | 2002-01-28 | 2005-05-26 | Coloma Jorge H. | Certificate of deposit portfolio system and method |
US20030163403A1 (en) | 2002-02-01 | 2003-08-28 | Ubs Painewebber Inc. | Method and system for providing a weighted average aggregated accounts report |
US20030149646A1 (en) | 2002-02-01 | 2003-08-07 | Ubs Painewebber Inc. | Method and system for providing an aggregated stock options report |
US20030177092A1 (en) | 2002-03-12 | 2003-09-18 | Paglin Renan C. | Emerging market banking system |
US20030191702A1 (en) | 2002-04-09 | 2003-10-09 | Hurley William J. | Asset backed debt consolidation |
US20040111361A1 (en) | 2002-11-15 | 2004-06-10 | Automatic Data Processing, Inc. | System and method for value delivery |
US20040107157A1 (en) | 2002-12-03 | 2004-06-03 | Daniel Bleunven | Network-based sub-allocation systems and methods for swaps |
US20040138974A1 (en) | 2002-12-27 | 2004-07-15 | Atsushi Shimamura | Method and system for managing money of a customer |
US20040128229A1 (en) | 2002-12-30 | 2004-07-01 | Fannie Mae | System and method for processing data pertaining to financial assets |
US20040128235A1 (en) | 2002-12-30 | 2004-07-01 | Fannie Mae | Cash flow aggregation system and method |
US20070255655A1 (en) | 2002-12-30 | 2007-11-01 | Kemper John L | Cash flow aggregation system and method |
US20050102225A1 (en) | 2002-12-30 | 2005-05-12 | Dror Oppenheimer | System and method for processing data pertaining to financial assets |
US20050102226A1 (en) | 2002-12-30 | 2005-05-12 | Dror Oppenheimer | System and method of accounting for mortgage related transactions |
US20040153398A1 (en) | 2003-01-30 | 2004-08-05 | First Data Corporation | Financial settlement systems and methods |
WO2005006111A3 (en) | 2003-04-29 | 2006-07-13 | Visa Usa Inc | Method and system for facilitating switching of financial institution accounts |
US20050044038A1 (en) | 2003-08-21 | 2005-02-24 | Finistar, Inc. | Methods and systems for facilitating transactions between commercial banks and pooled depositor groups |
US20070276752A1 (en) | 2003-08-21 | 2007-11-29 | Whiting Richard W | Methods and Systems for Facilitating Transactions Between Commercial Banks and Pooled Depositor Groups |
US20050091137A1 (en) | 2003-10-27 | 2005-04-28 | Woeber Andrew K. | Combination debt/equity units |
US20050154662A1 (en) | 2003-11-06 | 2005-07-14 | Langenwalter James A. | Asset allocation, rebalancing, and investment management system |
US20060167773A1 (en) | 2003-11-12 | 2006-07-27 | Kangle Yang | Settlement of auctions by determining quantity before price |
US20070143196A1 (en) | 2003-11-13 | 2007-06-21 | Colvin Robert C | Methods and systems for the securitization of certificates of deposit |
US7206761B2 (en) | 2003-11-13 | 2007-04-17 | Robert Charles Colvin | Methods and systems for securitization of certificates of deposit |
US20050108120A1 (en) | 2003-11-14 | 2005-05-19 | Capital One Financial Corporation | Systems and methods for managing a financial investment fund |
US20060047593A1 (en) | 2004-09-01 | 2006-03-02 | Ubs Financial Services Inc. | Method and system for funds management |
US20070118449A1 (en) | 2004-11-22 | 2007-05-24 | De La Motte Alain L | Trust-linked debit card technology |
US20080065532A1 (en) | 2004-11-22 | 2008-03-13 | De La Motte Alan L | Revenue-producing bank card system & method providing the functionality & protection of trust-connected banking |
US20060155644A1 (en) | 2005-01-12 | 2006-07-13 | Visa International | Pre-funding system and method |
US20060213980A1 (en) | 2005-03-25 | 2006-09-28 | Bluko Information Group | Method and system of detecting cash deposits and attributing value |
US20060273152A1 (en) | 2005-06-07 | 2006-12-07 | First Data Corporation | Dynamic aggregation of payment transactions |
US20070043666A1 (en) | 2005-08-16 | 2007-02-22 | Burdette William R | Managed deposit program |
US20070130065A1 (en) | 2005-12-05 | 2007-06-07 | E*Trade Bank | Methods and system for incentive maximizer aggregation account and automatic balance transfer |
US20070288400A1 (en) | 2006-06-08 | 2007-12-13 | Structured Investment Management | System and methods for continuously offered guaranteed mutual fund with full and permanent allocation to risky markets investments |
US20080015985A1 (en) | 2006-07-11 | 2008-01-17 | Armand Abhari | System and process for expedited payment through online banking/payment channel |
US20080097899A1 (en) | 2006-07-14 | 2008-04-24 | The Clearing House Payments Company L.L.C. | Method and system for electronic settlement of checks |
US20080133396A1 (en) | 2006-08-01 | 2008-06-05 | De La Motte Alain L | System and method for executing secure exchange transactions |
US7640199B1 (en) | 2006-11-03 | 2009-12-29 | Promontory Interfinancial Network, Llc | Auditing and reconciling custodial accounts |
US20080133280A1 (en) | 2006-12-05 | 2008-06-05 | Ziegler Ronald L | Asset pool withdrawal guarantee |
US7752107B1 (en) | 2007-02-28 | 2010-07-06 | Island Intellectual Property Llc | System and method for managing aggregated accounts |
US7680716B1 (en) | 2007-02-28 | 2010-03-16 | Island Intellectual Property Llc | System and method for allocating excess funds in aggregated control account |
US7668771B1 (en) | 2007-02-28 | 2010-02-23 | Island Intellectual Property Llc | System and method for allocation to obtain zero activity in a selected aggregated account |
US7672901B1 (en) | 2007-02-28 | 2010-03-02 | Island Intellectual Property Llc | System and method for holdback procedure for after-hours transactions |
US7672902B1 (en) | 2007-02-28 | 2010-03-02 | Island Intellectual Property Llc | System and method for pre-funding interest for early termination of client account having funds in one or more aggregated accounts |
US20090006985A1 (en) | 2007-06-29 | 2009-01-01 | Fong Spencer W | Using interactive scripts to facilitate web-based aggregation |
US20090012899A1 (en) | 2007-07-06 | 2009-01-08 | Mark Friesen | Systems and methods for generating and managing a linked deposit-only account identifier |
US8032456B1 (en) | 2008-02-11 | 2011-10-04 | Island Intellectual Property Llc | System, methods and program products for processing for a self clearing broker dealer |
Non-Patent Citations (482)
Title |
---|
"Bank of Oak Ridge to Offer FDIC Insurance on up to $1.5 Million," Dialog Web Command Mode, 2 Sheets, Sep. 25, 2003, http://www.dialogweb.com/cgi/dwclient. |
"Man Bites Dog: Funds Move Into Banking," IBC's Money Fund Selector, 2 Sheets, Nov. 6, 1998. |
"Reverse Ups Insurance Limit on Money Market Account," Thomson Financial Inc., Mutual Fund Market News, 1 Sheet, Aug. 26, 2002. |
"The Bank of New York adds a $300,000 FDIC-Insured Money Market Account Option to its Dividend Income Checking Account," PR Newswire Associations, Inc., PR Newswire, 2 Sheets, Apr. 18, 2002. |
"The Reverse Funds to Offer up to $600,000 of FDIC Insurance on Reserve Insured Deposits; Addressing Investor Needs for Increased Safety, Flexibility and a Competitive Yield," Business Wire, Inc. Business Wire, 2 Sheets, Aug. 13, 2002. |
§204.134, 12 CFR Ch. 11 (Jan. 1, 2009 Edition), 2 sheets. |
12 C.F.R. Part 329—Interest on Deposit, Source: 51 FR 10808, Mar. 31, 1986, 5 Sheets. |
12 CFR Ch. II (Jan. 1, 2009 Edition), pp. 124-125. |
1985 SEC No-Act. Lexis 2756, Investment Company Act of 1940-Section 3(a)(1), 2(a)(36); Securities Act of 1933-Section 2(1), Nov. 29, 1985, Kemper Financial Services, Inc., 9 pages. |
2 CDs (1) Non-Confidential Exhibits and Material regarding Deutsch Bank Trust Company Americas' (DBTCA) 2nd Supp Res to Double Rock's Interrogatory No. 2; (2) Prior Art for IC Non-Confidential Material-Bates-numbered documents for Exhibits 2, 5, 8, 9, and 10 Invalidity Charts, Jul. 2010. |
A Guide to Your CMA Account, 1995, 19 pgs. |
AB 2011 Assembly Bill—Bill Analysis, Senate Amendments http://www.leginfo.ca.gov/pub/bill/asm/ab—2001-2050/ab—2011—cfa—20060811—161755—asm—floor.html, 2006, pp. 1-3. |
AB 2011 Assembly Bill—Bill Analysis, Senate Rules Committee, Third Reading, http://www.leginfo.ca.gov/pub/bill/asm/ab—2001-2050/ab—2011—cfa—20060705—161454—sen—floor.html.2006, pp. 1-7. |
AB 2011 Assembly Bill—Chaptered, http://www.leginfo.ca.gov/pub/bill/asm/ab—2001-2050/ab—bill—20060925—chaptered.html, 2006, pp. 1-3. |
AB 2011 Assembly Bill—Enrolled, http://www.leginfo.ca.gov/pub/bill/asm/ab—2001-2050/ab—2011—bill—20060816—enrolled.html, 2006, pp. 1-3. |
AB 2011 Assembly Bill—History, Complete Bill History, http://www.leginfo.ca.gov/pub/bill/asm/ab—2001-2050/ab—2011—bill—20060925—history.html, 2006, p. 1. |
About iMoneyNet, Inc., About iMoneyNet's Money Funds Division, 4 Sheets, Aug. 21, 2003, http://www.ibcdata.com/about.htm. |
Addendum to Insured Savings Agency Agreement, 1 pg. |
Adler, Joe, "Promontory to Roll Out Deposit Service Insuring Liquid Funds", American Banker, Feb. 22, 2010, 1 sheet. |
Advertisement: It's 1997, Do You Know Where Your Interest Is?, Mutual Funds, Dec. 1993, p. 46. |
Advertisement: Where Your Interest is?, Mutual Funds, Oct. 1997; 1 page. |
Alliance Insured Account, Information Statement, Sep. 1999, 6 sheets. |
Amencan Express—Meeting Notes, Sep. 26, 2000, 2 pages. |
American Banker, Salomon's Sweep Plan Raises FDIC Fund Alarm [online], Dec. 6, 2000 [retrieved on Apr. 13, 2009]. Retrieved form the Internet: <URL: http://www.americanbanker.com/printthis.html?id=2000120603YJGEZD>, 2 pages. |
American Express Conference Call Minutes, Jan. 25, 2001 @ 3:00pm-4:00pm, Topic: Tiered Balances, 2 pages. |
American Express Conference Call Minutes, Topic: Tiered Balances, Jan. 25, 2001 @ 3:00pm-4:00pm, 2 pages. |
American Express Financial Advisors Customized FDIC Product with Tiered Balances, Jan. 24, 2001, 2 pages. |
American Express—Meeting Notes Sep. 26, 2000, 2 pages. |
American Express—Meeting Notes, Sep. 26, 2000, 2 pages. |
An iMoneyNet Special Report, Brokerage Cash Sweep Options: The Shift from Money Funds to FDIC-Insured Bank Deposit Accounts, by Peter G. Crane & Michael F. Krasner, iMoneyNet, Nov. 2004, 66 pages. |
An Introduction to the Smith Barney Insured Deposit Account, 1995, 8 pgs. |
An Introduction to the Smith Barney Insured Deposit Account, 8 pages. |
Anderson et al. "Retail Sweep Programs and Bank Reserves," Federal Reserve Bank of St. Louis Review, Bell & Howell Information and Learning Company, vol. 83, Issue 1, 24 Sheets, Jan. 1, 2001. |
Announcing Changes in Automatic "Sweep" Investment Options, LPL Financial Services, Linsco/Private Ledger, Member NASD/SIPC, 26 Sheets. |
Automatic Insured Deposit Method, Patent Application Information, Jul. 11, 1988, 17 pgs. |
Bank Deposit program Disclosure Statement, Salomon Smith Barney, 3 sheets. |
Bank Deposit Program, Online http://web.archive.org/web/20030620100115/http:/www.smithbarney.com/products servi, Jan. 19, 2001, 4 Sheets. |
Bent et al., Office Action, App. No. 10/071,053, with attached SB08, date considered Mar. 10, 2009, 2 pages. |
Bent, "Bruce Bent Makes Money Market Funds Act Like Bank Accounts," Equity BBDP, Oct. 5, 1998, 3 Sheets. |
Blackwell, "New Pitch: Deposit Insurance Sharing", American Banker Online, pp. 1-4, Jan. 21, 2003. |
Blackwell, Aba to Approve System for Sharing Deposit Coverage, American Banker (Feb. 11, 2003). |
Blackwell, Rob, Salomon's Sweep Plan Raises FDIC Fund Alarm, American Banker, Dec. 6, 2000, 2 pgs. |
Blank form letter from Edward N. Piner, May 24, 1991, 1 pg. |
Blank form letter to Oliver Ireland, Oct. 7, 1994, 1 pg. |
Board of Governors of the Federal Reserve System, "The May 1998 Senior Financial Officer Survey," May 1998, (attached Appendix A: Survey Questions and Responses; Appendix B: Glossary; Appendix C: Examples of Key Reserve Concepts), 48 pages. |
Board of Governors of the Federal Reserve System, 1984 Fed. Res. Interp. Ltr. LEXIS 56, Nov. 16, 1984, 3 Sheets. |
Board of Governors of the Federal Reserve System, 1988 Fed. Res. lnterp. Ltr. LEXIS 141, Jun. 22, 1988, 3 Sheets. |
Board of Governors of the Federal Reserve System, 1989 Fed. Res. Interp. Ltr. LEXIS 154, Jun. 21, 1989, 2 Sheets. |
Board of Governors of the Federal Reserve System, 1989 Fed. Res. Interp. Ltr. LEXIS 77, Mar. 14, 1989, 2 Sheets. |
Board of Governors of the Federal Reserve System, 1990 Fed. Res. lnterp. Ltr. LEXIS 94, Feb. 1, 1990, 1 Sheet. |
Board of Governors of the Federal Reserve System, 1991 Fed. Res. Interp. Ltr. LEXIS 232, Jan. 30, 1991, 2 Sheets. |
Board of Governors of the Federal Reserve System, 1994 Fed. Res. Interp. Ltr. LEXIS 156, Jun. 24, 1994, 3 Sheets. |
Board of Governors of the Federal Reserve System, 1994 Fed. Res. Interp. Ltr. LEXIS 314, Oct. 17, 1994, 2 Sheets. |
Board of Governors of the Federal Reserve System, 1994 Fed. Res. Interp. Ltr. LEXIS 419, Oct. 14, 1994, 4 Sheets. |
Board of Governors of the Federal Reserve System, Blank Form Letter, Apr. 22, 2004, 8 pgs. |
Britt, Phil; "Struggling with sweep accounts", America's Community Banker, v6, n12, p. 18-23, Dec. 1997. * |
California Independent Bankers, ICBA Independent Community Bankers of America, Banker Bulletin, 2006, CIB 16th Annual Convention, vol. 4, Issue 6, http://www.cib.org/banker—bulletin.htm 2 Shhets. |
Canada Deposit Insurance Corporation, 1 page, (http://www.cdic.ca/e/index.html). |
Canadian Payments Association, 2 pages, (http://www.cdnpay.ca/home/home.asp). |
Capital Briefs: Corporate Checking Account Relief Sought, American Banker v162, p2 Jul. 28, 1997. * |
Capital Briefs: Corporate Checking Account Relief Sought, American Banker, vol. 162, Jul. 28, 1997, 1 Sheet. |
Case for "CORE" Deposits, Historic Degree of Stability, 2006, 1 page. |
Cash Management Balance Monitoring Agreement and Memorandum from Ed Piner to Cash management Line of Business Representatives dated May 21, 1991(with attachments), 8 pages. |
Cash Management Balance Monitoring Agreement Form 1 sheet. |
Certificate of Deposit Registry Service: Keeping deposits in the corn patch; Banknews, Mar. 2003. |
Chapelle et al. "Peering Into Tomorrow: At the Threshold of a New Century, Brokers and Others Discuss Where They were Going," Securities Data Publishing on Wall Street, 6 Sheets, Dec. 1, 1999. |
Chapelle, "Merrill's Rivals Say They, Too. Offer Services Beyond Banking," Securities Data Publishing on Wall Street, 2 Sheets, Feb. 1, 2003. |
CIBC World Markets, "Insured Bank Deposit Account," Information Statement, Jul. 1, 2000, 2 pages. |
CMA Insured Savings Account Fact Sheet, 1994, 9 pgs. |
CMA Insured Savings Account Fact Sheet, 1997, 13 pgs. |
CMA, "A Guide to Your CMA Account," Jan. 1995, 38 pages. |
CMA, Insured Savings Account Fact Sheet, Merrill Lynch, Pierce, Fenner & Smith Incorporated, 1997, pp. 49-57. |
CMA, Insured Savings Account Fact Sheet, Merrill Lynch, Pierce, Fenner & Smith Incorporated, Jul. 1994, pp. 47-54. |
CMA, The Investor Credit Line Service, Cost-Effective Financing for the '90s, Merrill Lynch, Pierce, Fenner & Smith Incorporated, 1997, pp. 36-46. |
CMA, The Merrill Lynch Cash Management Account Financial Service, Insured Savings Account Participating Depository Institutions, Merrill Lynch, Pierce, Fenner & Smith Incorporated, Mar. 1995, 2 Sheets. |
CMA, The Merrill Lynch Cash Management Account Financial Service, Insured Savings Account Participating Depository Institutions, Merrill Lynch, Pierce, Fenner & Smith Incorporated, Nov. 1992, 2 Sheets. |
CMA, The Merrill Lynch Cash Management Account Financial Service, Merrill Lynch, Pierce, Fenner & Smith Incorporated, Jan. 1997, 35 Sheets. |
Coyle, "A Look at commercial Demand Deposit Options," America's Community Banker, vol. 9, Issue 2, Bell & Howell Information and Learning Company, 9 Sheets, Feb. 1, 2000. |
Crane, P. & Krasner, Mike, An iMoney Net Special ReportSM, "Brokerage Cash Sweep Options: The Shift from Money Funds to FDIC-Insured Bank Deposit Accounts", Nov. 2004, 64 pgs. |
Crockett, "Big Banks Found Stepping Up Marketing of 'Sweep' Accounts," American Banker, vol. 159, No. 198, American Banker Inc., 3 Sheets, Oct. 13, 1994. |
Declaration of Mr. Bruce Bent II, Vice Chairman and Registrant of Applicant on the date of first commercial use of the service providing interest and FDIC insurance for checking accounts by means of a system using money market deposit accounts (MMDA's) of Oct. 23, 1997. |
Declaration of Mr. Bruce Bent II, Vice Chairman and Registrant of Applicant. (3 Sheets) and Exhibits A, B, C and D (6 Sheets). |
Deposit Growth Strategies for Financial Institutions, New Sweep Account Helps Retain $40 Million in Business Deposits, vol. 7, No. 12, The Reserve Funds, May 2001, 1 Sheet. |
Deutsche Bank Insured Deposit Program, Marketing Literature 2007, 3 pages. |
DI 48, Excerpts of Transcript of Hearing, U.S. Dist. Ct., District of Delaware, Civil Action No. 82-680, Apr. 8, 1983, 5 sheets. |
DI 56, Interrog. Response, U.S. Dist. Ct. District of Delaware, Civil Action No. 82-680, May 20, 1983, 15 Sheets. |
DI 99, Suppl. Interrogatory Response, U.S. Dist. Ct., District of Delaware, Civil No. 82-630, May 30, 1984, 6 Sheets. |
Dreyfus Insured Deposit Program Disclosure Statement and Terms and Conditions, received Mar. 2008, 12 pages. |
Dreyfus Insured Deposit Program, Disclosure Statement and Terms and Conditions, Dreyfus A BNY Mellon Company, 8 Sheets. |
Dreyfus Insured Deposit Program, Multiple List Program—Effective May 11, 2009, 1 Sheet. |
E.D.S.—First City Austin Electronic Mail, from J. Oncken, to T. Cyr, Re: Depository Levels at Insured Savings Depositories, Nov. 2, 1989, 1 page. |
Email from John Oncken re: Depository Levels at Insured Savings Depositories, Nov. 2, 1989, 1 pg. |
Email from Olivia Kim to Charles Macedo on Jun. 9, 2010 with attachment of Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation, and Intrasweep LLC against Deutshe Bank Trust Company Americas and Total Bank Solutions, LLC, Defendant Deutsche Bank Trust Company America's responses to Intrasweep's common interrogatory Nos. 1-5, Confidential-Attorneys only, Civil Action No. 09 Civ. 2675 (VM) (AJP). |
Email from Olivia Kim to Charles Macedo on May 13, 2010 with attachment of Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation, and Intrasweep LLC against Deutshe Bank Trust Company Americas and Total Bank Solutions, LLC, Defendant Deutsche Bank Trust Company America's responses to Double Rock's Common interrogatory Nos. 1-10 to defendants Reservation of Right, Civil Action No. 09 Civ. 2675 (VM) (AJP). |
Email from Olivia Kim to Charles Macedo on May 13, 2010 with attachment of Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation, and Intrasweep LLC against Deutshe Bank Trust Company Americas and Total Bank Solutions, LLC, Defendant Total Bank Solutions, LLC's responses to Double Rock's Common interrogatory Nos. 1-10 to defendants, Reservation of Right, Civil Action No. 09 Civ. 2675 (VM) (AJP). |
Email to abufalino@vedderprice.com, from S. Johnson, Re: ReserveFunds and Wayne Hummer, dated Jul. 14, 2003 (attached email to S. Johnson, from abufalino@vedderprice.com on Jun. 26, 2003, Re: ReserveFunds and Wayne Hummer), 2 pages. |
Exhibit 1, "FA/FB Account 1997 First Transactions, TRX Types: PU, PP, TA, PT," Aug. 2003, p. 1-2. |
Exhibit 1, Invalidity Chart: IMA and Insurance Plus Service Agreement, U.S. Patent No. 7,509,286, 21 pgs. |
Exhibit 10, Invalidity Chart: Merrill Lynch Banking Advantage Program ("MLBA Program"), U.S. Patent No. 7,509,286, 22 pgs. |
Exhibit 10, Invalidity Chart: U.S. Patent Application Publication No. 2007/0043666 (Burdette), U.S. Pat. No. 7,668,771, Jul. 2010, 9 pages. |
Exhibit 11, Invalidity Chart: Merrill Lynch & You + MLBA Information Statement, U.S. Patent No. 7,509,286, 18 pgs. |
Exhibit 12, Invalidity Chart: Smith Barney Insured Deposit Account, U.S. Patent No. 7,509,286, 22 pgs. |
Exhibit 13, Invalidity Chart: Smith Barney Bank Deposit Program, U.S. Patent No. 7,509,286, 18 pgs. |
Exhibit 14, Invalidity Chart: Alliance Insured Account, U.S. Patent No. 7,509,286, 16 pgs. |
Exhibit 15, Invalidity Chart: Reserve's American Express Presentation, U.S. Patent No. 7,509,286, 16 pgs. |
Exhibit 16, Invalidity Chart: U.S. Patent No. 7,376,606 (Jacobsen), U.S. Patent No. 7,536,350, 6 pgs. |
Exhibit 17, Obviousness Combinations Chart, U.S. Patent No. 7,509,286, 351 pgs. |
Exhibit 2, Invalidity Chart: Investors Money AccountSM System, U.S. Patent No. 7,509,286, 26 pgs. |
Exhibit 2, Invalidity Chart: U.S. Appl. No. 4,985,833 (Oncken)-U.S. Pat. No. 7,668,771, Jul. 2010, 14 pages. |
Exhibit 3, Invalidity Chart: Insured Money Account System, U.S. Patent No. 7,509,286, 26 pgs. |
Exhibit 4, Invalidity Chart: U.S. Patent No. 4,985,833 (Oncken), U.S. Patent 7,509,286, 21 pgs. |
Exhibit 5, Invalidity Chart: First City Bank of Texas' Insured Savings Program, U.S. Patent No. 7,509,286, 39 pgs. |
Exhibit 5, Invalidity Chart: Merrill Lynch Business Advantage Program-U.S. Pat. No. 7,668,772, Jul. 2010, 7 pages. |
Exhibit 6, Invalidity Chart: Quest Insured Account, U.S. Patent No. 7,509,286, 19 pgs. |
Exhibit 7, Invalidity Chart: CIBC World Markets—Insured Bank Deposit Account, U.S. Patent No. 7,509,286, 16 pgs. |
Exhibit 8, Invalidity Chart: Harken Financial Services Sweep Product-U.S. Pat. No. 7,668,771, Jul. 2010, 9 pages. |
Exhibit 8, Invalidity Chart: Merrill Lynch CMA/ISA Service, U.S. Patent No. 7,509,286, 72 pgs. |
Exhibit 9, Invalidity Chart: 1983 Fed Letter, U.S. Patent No. 7,509,286, 16 pgs. |
Exhibit 9, Invalidity Chart: Wayne Hummer-Insured Bank Deposit Program-U.S. Pat. No. 7,668,771, Jul. 2010, 12 pages. |
Fax to T. Vezeau, from L. Boone, Re: BBII's request to fax to you, dated Dec. 26, 2002 (attached Memo to K.A. Jacklin, from A. Rova, Re: Lert discovery, dated Dec. 23, 2002), 3 pages. |
FDIC Federal Register Citations: Email from Bert Ely to Comments, Mar. 8, 2006, Subject: Large-Bank Deposit Insurance Determination Proposal- RIN 3064-AC98—Regs@fdic.gov. Attached, also from FDIC Federal Register Citations: Email From American Banker, by Bert Ely, Feb. 24, 2006, Viewpoint: FDIC's Account-Link Plan a Pointless, Costly Threat. |
FDIC Law, Regulations, Related Acts, 4000—Advisory Opinions, FDIC-86-21, Jul. 23, 1986, 2 sheets. |
FDIC Law, Regulations, Related Acts, 4000—Advisory Opinions, FDIC-87-25, Oct. 22, 1987, 1 sheet. |
FDIC Law, Regulations, Related Acts, 4000—Advisory Opinions, FDIC-93-35, Jun. 28, 1993, 2 sheets. |
FDIC, FDIC Law, Regulations, Related Acts—4000—Advisory Opinions, Jul. 23, 1986, D. H. Jones [online] [Retrieved on Jan. 22, 2010]. Retrieved from the Internet: URL: <www.fdic.gov/regulations/laws/rules/4000-2120.html#fdic400086-21>, 2 pages. |
FDIC, FDIC Law, Regulations, Related Acts—4000—Advisory Opinions, Jun. 28, 1993, J. A. DiNuzzo, [online] [Retrieved on Jan. 22, 2010]. Retrieved from the Internet: URL: <www.fdic.gov/regulations/laws/rules/4000-8240.html>, 2 pages. |
FDIC, FDIC Law, Regulations, Related Acts—4000—Advisory Opinions, Oct. 22, 1987, J. W. Via, Jr., Counsel [online] [Retrieved on Jan. 22, 2010]. Retrieved from the Internet: URL: <http://www.fdic.gov/regulations/laws/rules/4000-2560.html>, 1 page. |
FDIC, Federal Deposit Insurance Corporation, Letter to Mr. Ronald Rexter, Feb. 28, 2003, From Michelle M. Borzillo, Counsel Supervision and Legislation Section, 2 Sheets. |
Federal Register: Oct. 9, 1997 (vol. 62, No. 196), pp. 52809-52868. http://www.fdic.gov/news/news/inactivefinancial/1997/fil97111b.html. |
Federal Reserve System, Lexsee 47 FR 55207, "Reserve Requirements of Depository Institutions; Money Market Deposit Account," Dec. 8, 1982, Action: Final Rule, 5 pages. |
Federal Reserve System, Lexsee 51 FR 9632, "Definition of Deposit and Technical Amendments," Action: Final Rule, Mar. 20, 1986, 13 pages. |
Federal Reserve System, Lexsee 56 FR 15494, "Regulation D--Reserve Requirements of Depository Institutions," Action: Final Rule, Apr. 17, 1991, 5 pages. |
Federal Reserve System, Part 201—Reserve Requirements of Depository Institutions (Regulation D)12 CFR Ch. II (1-1-10 Edition), pp. 94-128, Pt. 204-Pt. 205. |
Financial Services Industry, "Web Watch: Trading Company Bundles CDs for Better Rates," Community Banker, Jun. 2002, online, http://findarticles.com/p/articles/mi—ga5344/is—200206/ai—n21313883/. |
Finistar Reg. No. 2,939,558, Registered Apr. 12, 2005. |
Finistar, Providing FDIC Insured Funds as a Stable Source of Deposits to Commercial Banking Institutions, 16 Sheets, www.Finistar.com. |
First City, Texas Insured Savings Agency Agreement with Exhibits A-B and Insured Savings Program, 10 pgs. |
First City, Texas—Austin, Special Products, Feb. 20, 1992, with Schedule A & Schedule B, 6 pgs. |
First National Bank in Brookings, Certificates of Deposit [online] [retrieved on Jul. 17, 2009]. Retrieved from the Internet: Certificates of Deposit, <URL: http://web.archive.org/web/20000524121111/www.firstnb.com/cd.htm>; Multi-Bank CDs, <URL: http://web.archive.org/web/20000524132934/www.firstnb.com/mbcd.htm>, 5 pages. |
First National Bank in Brookings, Certificates of Deposit, 5 sheets. |
Form 8-K Merill Lynch & Co Inc—MER, Filed: Mar. 7, 2002, Report of unscheduled material events or corporate changes, 41 pgs. |
Fredrickson, "Rising Rates Rescue Money Fund Firm Reserve Profits by Picking Niches," Crain's New York Business, Crain Communications Inc., vol. 20, Issue 51, 2 Sheets; Dec. 20, 2004. |
Frost Bank, Member FDIC, Checking Accounts, 1 Sheet, Sep. 19, 2003, https://www.frostbank.com/cgi-bin/ecomm/frost1/scripts/products/product—detail.jsp?BV— . . . |
Garmhausen, "Matching Small Banks with Large Muni Deposits," American Banker, Online The Financial Services Resource, Oct. 4, 2005, 4 pages, http://www.finstar.com/docs/AmericanBanker.html. |
Garton, Thomas W.; Are LLC Banks in the Cards? Stay Tuned; Fredrikson & Byron, P.A.; Jun. 2003; http://www.fredlaw.com/articles/banking/bank—0306—twig.html; 2 pages. |
Ginovsky, Heavyweight Funding, Bankers News, vol. II, Issue 5, p. 1-2 Mar. 4, 2003. |
Hencke, "New Rules for FDIC deposit Insurance", ABA Bank Compliance, vol. 20, No. 7, Jul./Aug. 1999, pp. 31-37. |
Hoffman, "Reserve's FDIC-Insured Account Draws Regionals; But some see little need for insurance," Crain Communications Inc., Investment News, 2 Sheets, Jun. 4, 2001. |
IDC Deposits, online, http://idcdeposits.com/ , 2009, 1 Sheet. |
In The Know, Important Information About Your Account, Smith Barney Citigroup, 2005, 6 Sheets. |
Information Statement, "Alliance Insured Account," Sep. 1999; 6 pages. |
Information Statement, "Quest Insured Account," (attached Appendix A), 5 pages. |
Insured Bank Deposit Account, Information Statement, Jul. 1, 2000, 2 sheets. |
Insured Bank Deposit Program Summary Information Statement, Information Statement, and list of Eligible Program Banks Effective Feb. 10, 2005, 11 pages. |
Insured Bank Deposits™ Program Information Statement, (attached List of Eligible Program Banks, Effective May 9, 2002; New Account Application, Joint Account Agreement), 11 pages. |
Insured Bank Deposits™ Program Summary Information Statement, 11 pages. |
Insured Cash Account Program Disclosure Booklet, LPL Financial Services, Linsco/Private Ledger, Member NASD/SIPC, 14 Sheets. |
Insured Deposit Account (IDA), May 21, 1996, 11 pgs. |
Insured Deposit Account, May 21, 1996, 14 pages. |
Insured Deposit Account, Product Description for the Investor, Draft as of Sep. 20, 1995, 8 pages. |
Insured Money Account Program Agreement and Disclosure Statement, (attached Schedule A—Deposit Account Terms), faxed Mar. 28, 2000; 10 pages. |
Insured Money Account Program Agreement and Disclosure Statement, 11 sheets. |
Insured Savings Account Fact Sheet, The Merrill Lynch Cash Management Account Financial Service, 1985, 4 pgs. |
Insured Savings Account Fact Sheet, The Merrill Lynch Cash Management Account Financial Service, 1987, 11 pgs. |
Insured Savings Balance Limits form, 1 sheet. |
Insured Savings Correspondent Agreement with Exhibits A-D, 28 pgs. |
Insured Savings Product Description, Product Name: Insured Savings, Product Description: U.S. Appl. No. 4,985,833, 3 pgs. |
Insured Savings Project Team Meeting, Feb. 2, 1989, 16 pgs. |
Insured Savings Rate Change Notice, 1 pg. |
Insured Savings Remote Site Sweep Procedures, 3 pgs. |
Insured Savings, "Correspondent Agreement," including Exhibits A-D, 28 pages. |
Insured Savings, "Overview & Marketing Plan," Presented by: J.E. Oncken, Dec. 6, 1988, (including Exhibit A), 23 pages. |
Insured Savings, "Project Team Meeting," Feb. 2, 1989, 21 pages. |
Insured Savings, Overview & Marketing Plan, Dec. 6, 1988, 23 pgs. |
Interest Rate Review, A Publication of the Meyer Weekly Interest Rate Survey, "A Look at Tiers," Apr. 1987, 6 pages, vol. 11, No. 4. |
Interest Rate Review© A Publication of Meyer Weekly Interest Rate Survey, A Look At Tiers, vol. II, No. 4, Apr. 1987, 6 pgs. |
Interest Rate Review© A Publication of Meyer Weekly Interest Rate Survey, A Study of Historical Rates and Yields, vol. II, No. 6, Jun. 1987, 8 pgs. |
Introducing our MaxSafe CD with up to $700,000 of FDIC Insurance, 4 Sheets. |
Investment Company Act of 1940—Section 3(a)(1), 2(a)(36); Securities Act of 1933—Section 2(1), Nov. 29, 1985, Kempter Financial Services, Inc., 9 pgs. |
Investors Money AccountSM (an FDIC-insured money market account), IMA-1 (Mar. 1994), 4 pages. |
Investors MoneyAccountSM (an FDIC-insured money market account), 4 sheets. |
Investors MoneyAccountSM and Insurance Plus Service Agreement, Schedule A, 3 sheets. |
Investors MoneyAccountSM The FDIC-Insured Money Market with an Important Plus., 2 sheets. |
Investors MoneyAccountSM, "The FDIC-Insured Money Market Investment with an Important Plus," IMA Oct. 1995, 2 pages. |
Investors MoneyAccountsSM and Insurance Plus Service Agreement, attached Schedule A (List of Banks Participating in the Insurance Plus Service), IMAD Mar. 1994, 3 pages. |
Jong et al., "The Valuation and Hedging of Variable Rate Savings Accounts," University of Amsterdam, Nov. 15, 2001, 23 Sheets. |
Keenan, "Tapping Brokerages for Alternative to CDs," American Banker, The Financial Services Daily, 3 Sheets, Feb. 18, 2004. |
Lake Forest Bank & Trust Company, Introducing MaxSafe Deposit Accounts with up to $3.75 Million in FDIC Insurance, www.lakeforestbank.com/maxsafe, 2 Sheets. |
Lavine, "Check Out High-Yield Checking Accounts," Broward Daily Business Review, vol. 39, No. 102, 2 Sheets, Apr. 27, 1998. |
Lawsuit by Carlo DeBlascio et al. against Merrill Lynch & Co., Inc. et al., Declaration of Joel P. Laitman in Support of Plaintiffs' Memorandum of Law in Opposition to Defendants' Motion for Dismissal of the Second Amended Class Action Complaint, Including: . . . Feb. 5, 2008 (Document 74). |
Lawsuit by Carlo DeBlascio et al. against Merrill Lynch & Co., Inc. et al., Declaration of Joel P. Laitman in Support of Plaintiffs' Memorandum of Law in Opposition to Defendants' Motion For Dismissal of the Second Amended Class Action Complaint, Including: . . . Feb. 5, 2008 (Document 75). |
Lawsuit by Carlo DeBlasio et al. against Merrill Lynch & Co., Inc. et al., Declaration of Andrew W. Stern, including Exhibits A, B, C, D, E and F, Nov. 12, 2007, Case No. 07-cv-318 (RJS) (Document 59). |
Lawsuit by Carlo DeBlasio et al. against Merrill Lynch & Co., Inc. et al., Declaration of Joel P. Laitman in Support of Plaintiffs' Memorandum of Law in Opposition to Defendants' Motion for Dismissal of the Second Amended Class Action Complaint, Including: . . . Feb. 5, 2008 (Document 72). |
Lawsuit by Carlo DeBlasio et al. against Merrill Lynch & Co., Inc. et al., Declaration of Joel P. Laitman in Support of Plaintiffs' Memorandum of Law in Opposition to Defendants' Motion for Dismissal of the Second Amended Class Action Complaint, Including: . . . Feb. 5, 2008 (Document 73). |
Lawsuit by Carlo DeBlasio et al. against Merrill Lynch & Co., Inc. et al., Declaration of Joel P. Laitman in Support of Plaintiffs' Memorandum of Law in Opposition to Defendants' Motion for Dismissal of the Second Amended Class Action Complaint, Including: "Client Commitment"; "Get Started Today"; "Total Merrill"; "Guideline for Business Conduct"; "Commitment To Clarity"; "Cash Management Account"; "Information Statement Regarding Changes To Interest Rates On Deposits in Merrill Lynch Banks", . . . |
Lawsuit by Carlo DeBlasio et al. against Merrill Lynch & Co., Inc. et al., Declaration of Kenneth I. Schacter, including Exhibits A, B, C, D, F, G, H, I, J, K, L, M, N, O, P, Q and R, Nov. 14, 2007, Case No. 07-cv-318 (RJS) (Document 69). |
Lawsuit by Carlo DeBlasio et al. against Merrill Lynch & Co., Inc. et al., Declaration of Mathew J. Terry in Support of Motion to Dismiss by Defendants Wachovia Corporation, Wachovia Securities, LLC, Wachovia Bank, N.A., and Wachovia Bank of Delaware, N.A., including Exhibits A, B, C and D, Nov. 14, 2007, Case No. 07-318 (RJS) (Document 67). |
Lawsuit by Carlo DeBlasio et al. against Merrill Lynch & Co., Inc. et al., Declaration of Scott D. Musoff in Support of The Merrill Lynch Defendants' Motion to Dismiss The Second Amended Class Action Complaint, ECF Case, Nov. 12, 2007, Case No. 07-cv-318 (RJS) (Document 64). |
Lawsuit by Carlo DeBlasio et al. against Merrill Lynch & Co., Inc. et al., Reply Declaration of Kenneth Schacter including Exhibits S and T, Mar. 6, 2008, Case No. 07-cv-318 (RJS) (Document 81). |
Lawsuit by Carlo DeBlasio et al. against Merrill Lynch & Co., Inc. et al., Second Amended Class Action Complaint, Jury Trial Demanded, Introduction and Summary of Allegations, Jun. 11, 2007, Case No. 07-cv-318-VM. |
Lawsuit by Carlo DeBlasio et al. against Merrill Lynch & Co., Inc. et al., Supplemental Declaration of Matthew J. Terry in Support of Motion to Dismiss by Defendants Wachovia Corp., Wachova Securities, LLC, Wachovia Bank N.A., and Wachovia Bank of Delaware, N.A., including Exhibits A and B, Mar. 6, 2008, Case No. 07-cv-318 (RJS) (Document 79). |
Lawsuit by Carlo DeBlasio et al. And Merrill Lynch & Co., Inc. et al., Opinion and Order, Jul. 27, 2009, Civil Action No. 07 CIV. 318, 47 pgs. |
Lawsuit by Carlo DeBlasio et al. And Merrill Lynch & Co., Inc. et al., Second Amended Class Action Complaint, Jury Trial Demanded, Jun. 11, 2007, Civil Action No. 07 cv 318, 137 pgs. |
Lawsuit by Carlo DeBlasio, et al. against Merrill Lynch & Co., Inc., et al., Opinion and Order Regarding Motions, Jul. 27, 2009, Case No. 07 CIV 318(RJS). |
Lawsuit by Island Intellectual Property LLC against Clearview Correspondent Services, LLC, et al.; Complaint for Patent Infringement; Civil Action No. 1:11-cv-448 (LO/TRJ); Apr. 26, 2011; 55 pages. |
Lawsuit by Island Intellectual Property LLC against First Southwest Company; Complaint for Patent Infringement; Civil Action No. 1:11-cv-00371-UNA; Apr. 26, 2011; 42 pages. |
Lawsuit by Island Intellectual Property LLC and Intrasweep LLC against Deutsche Bank Trust Company Americas and Total Bank Solutions, Complaint for Patent Infringement, Jury Trial Demanded, Feb. 23, 2010, Case No. 10 CV 1518, (Document 1). |
Lawsuit by Island Intellectual Property LLC and Intrasweep LLC against Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC Deutsche Bank Trust Company Americas' answer to plaintiffs' Feb. 23, 2010 Complaint and Counterclaims, May 4, 2010, Civil Action No. 09 Civ. 2675 (VM) (AJP). |
Lawsuit by Island Intellectual Property LLC and Intrasweep LLC against Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Total Bank Solutions, LLC's answer to plaintiffs' Feb. 23, 2010 Complaint and Counterclaims, May 4, 2010, Civil Action No. 09 Civ. 2675 (VM) (AJP). |
Lawsuit by Island Intellectual Property LLC and Intrasweep LLC against Institutional Deposits Corp., Complaint for Patent Infringement, Jury Trial Demanded, Nov. 4, 2009, Civil Action No. 09 CV 3079. |
Lawsuit by Island Intellectual Property LLC and Intrasweep LLC against Institutional Deposits Corp., Consent Order, Apr. 21, 2010, Case No. 09-CV-3079 (JEC). |
Lawsuit by Island Intellectual Property LLC and Intrasweep LLC against Institutional Deposits Corp., Defendant Institutional Deposits Corp.'s Preliminary Invalidity Contentions, Case No. 09-CV-03079-JEC. |
Lawsuit by Island Intellectual Property LLC and Intrasweep LLC, Answer of Defendant Institutional Deposits Corp. to Complaint for Patent Infringement, Dec. 10, 2009, Case No. 09 CV 03079 (JEC), (Document 16). |
Lawsuit by Island Intellectual Property LLC and Lids Capital LLC against Deutsche Bank Trust Company Americas and Total Bank Solutions, Complaint for Patent Infringement, Jury Trial Demanded, Mar. 16, 2010, Case No. 10 CV 2268. |
Lawsuit by Island Intellectual Property LLC and Lids Capital LLC against Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Deutsche Bank Trust Company Americas' answer to plaintiffs' Mar. 16, 2010 Complaint and Counterclaims, May 4, 2010, Civil Action No. 09 Civ. 2675 (VM) (AJP). |
Lawsuit by Island Intellectual Property LLC and Lids Capital LLC against Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Total Bank Solutions LLC's answer to plaintiffs' Mar. 16, 2010 Complaint and Counterclaims, May 4, 2010, Civil Action No. 09 Civ. 2675 (VM). |
Lawsuit by Island Intellectual Property LLC et al., against Deutsche Bank Trust Company Americas, et al.; Expert Report of Richard T. Powers Concerning Invalidity of U.S. Pat. Nos. 7,509,286; 7,519,551; 7,536,350; 7,668,771; 7,668,772, 7,672,886; and 7,680,734; and Exhibits A-R; Civil Action No. 09 Civ.2675(VM)(AJP), Oct. 28, 2010; 1,119 pages. |
Lawsuit by Island Intellectual Property LLC v. Clearview Correspondent Services, LLC, et al.; Branch Banking & Trust Company's Answer to Complaint and Counterclaims; Civil Action No. 1:11-cv-448-LO-IDD; Jun. 20, 2011; 13 pages. |
Lawsuit by Island Intellectual Property LLC v. Clearview Correspondent Services, LLC, et al.; Clearview Correspondent Services, LLC's Answer to Complaint and Counterclaims; Civil Action No. 1:11-cv-448-LO-IDD; Jun. 20, 2011; 12 pages. |
Lawsuit by Island Intellectual Property LLC v. Clearview Correspondent Services, LLC, et al.; Scott & Stringfellow, LLC's Answer to Complaint and Counterclaims; Civil Action No. 1:11-cv-448-LO-IDD; Jun. 20, 2011; 12 pages. |
Lawsuit by Island Intellectual Property LLC v. First Southwest Company; First Southwest Company's Answer to Complaint and Counterclaims; Civil Action 1:11-cv-371-SD; Jun. 20, 2011; 11 pages. |
Lawsuit by Island Intellectual Property LLC, et al. against Deutsche Bank Trust Company Americas, et al.; Expert Report of Ivan Zatkovich Regarding Validity and Enforceability of the Asserted Claims of the Patents-in-Suit; Civil Action No. 09 Civ. 2675 (VM)(AJP); Nov. 23, 2010; 192 pages. The redacted items were designated as confidential in a Protective Order in this case. |
Lawsuit by Island Intellectual Property LLC, et al. against Deutsche Bank Trust Company Americas, et al.; Expert Report of the Honorable Gerald J. Mossinghoff and Exhibits A-E; Civil Action No. 09 Civ. 2675 (VM)(AJP); Nov. 23, 2010; 107 pages. |
Lawsuit by Island Intellectual Property LLC, et al. v. Deutsch Bank Trust Company Americas, et al.; Defendant Deutsche Bank Trust Company Americas' Second Supplemental Responses to Double Rock's Interrogatories Nos. 2, 8 and 9, Jul. 2010, 65 pages. |
Lawsuit by Island Intellectual Property LLC, et al. v. Deutsche Bank Trust Company Americas et al.; Declaration of Olivia M. Kim in Support of Defendants' Motion for Summary Judgment of Invalidity Under 35 U.S.C. § 101; Oct. 6, 2011; Case 1:09-cv-02675-VM, Document 197. |
Lawsuit by Island Intellectual Property LLC, et al. v. Deutsche Bank Trust Company Americas, et al. Plaintiffs' Memorandum of Law in Opposition to Defendants' Motion for Summary Judgment of Invalidity Under 35 U.S.C. § 101; Nov. 2, 2011; Case 1:09-cv-02675-VM, Document 201. |
Lawsuit by Island Intellectual Property LLC, et al. v. Deutsche Bank Trust Company Americas, et al.; Defendants Reply in Support of Their Motion for Summary Judgment of Invalidity Under 35 U.S.C. § 101; Nov. 15, 2011; Case 1:09-cv-02675-VM, Document 208. |
Lawsuit by Island Intellectual Property LLC, et al. v. Deutsche Bank Trust Company Americas, et al.; Defendants' Response to Plaintiffs' Statement of Additional Material Facts in Support of Plaintiffs' Opposition to Defendants' Motion for Summary Judgment of Invalidity Under 35 U.S.C. § 101; Nov. 15, 2011; Case 1:09-cv-02675-VM, Document 209. |
Lawsuit by Island Intellectual Property LLC, et al. v. Deutsche Bank Trust Company Americas, et al.; Order; Dec. 7, 2011; Case 1:09-cv-02675-VM, Document 212. |
Lawsuit by Island Intellectual Property LLC, et al. v. Deutsche Bank Trust Company Americas, et al.; Special Master's Report and Recommended Decision on Defendants' Summary Judgment Motion of Invalidity Under 35 U.S.C. § 101; Dec. 19, 2011. |
Lawsuit by Island Intellectual Property LLC, et al. v. Deutsche Bank Trust Company Americas, et al.; Supplemental Declaration of Olivia M. Kim in Support of Defendants' Opening and Reply Claim Construction Briefs; Nov. 15, 2011; Case 1:09-cv-02675-VM, Document 207. |
Lawsuit by Island Intellectual Property LLC, et al., against Deutsche Bank Trust Company Americas, et al.; Defendant Deutsche Bank Trust Company Americas' Fifth Supplemental Responses to Island IP's First Set of Common Interrogatores to All Defendants (No. 7); Case No. 09 Civ. 2675 (VM)(AJP); Sep. 16, 2010; 9 pages. |
Lawsuit by Island Intellectual Property LLC, et al., against Deutsche Bank Trust Company Americas, et al.; Defendant Total Bank Solutions, LLC's Fifth Supplemental Responses to Island IP's First Set of Common Interrogatores to All Defendants (No. 7); Case No. 09 Civ. 2675 (VM)(AJP); Sep. 16, 2010; 9 pages. |
Lawsuit by Island Intellectual Property LLC, Intrasweep LLC and Double Rock Corporation against Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Complaint for Patent Infringement, May 19, 2009, Case No. 09 CIV 4673. |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, and Double Rock Corporation against Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, including Cover Sheet, Summons, Complaint and Rule 7.1 Statement, Mar. 24, 2009, Case No. 09 CV 2677. |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, and Double Rock Corporation against Promontory Interfinancial Network, LLC and MBSC Securities Corporation, including Cover Sheet, Summons, Complaint and Rule 7.1 Statement, Mar. 24, 2009, Case No. 09 CV 2675. |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Stipulated Dismissal of Deutsche Bank AG Without Prejudice, Nov. 19, 2009, Civil Action No. 09 CIV 2675 (VM) (AJP) (Document 79). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Deutsche Bank Trust Company Americas' First Amended Answer to Consolidated First Amended Complaint and Counterclaims, Dec. 4, 2009, Civil Action No. 09 CIV 2675 (VM) (AJP), (Document 86). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Total Bank Solutions, LLC's First Amended Answer to Consolidated First Amended Complaint and Counterclaims Dec. 4, 2009, Civil Action No. 09 CIV 2675 (VM) (AJP) (Document 87). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Answer and Counterclaims, Answer of Defendant MBSC Securities Corporation, Jun. 25, 2009, Case No. 09 CV 2675 (VM). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Answer and Counterclaims, Answer of Defendant Promontory Interfinancial Network, LLC, Jun. 25, 2009, Case No. 09 CV 2675 (VM). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Consolidated First Amended Complaint, Jury Trial Demanded, Jun. 11 2009, Civil Action No. 09 CIV 2675 (VM). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Jury Trial Demanded, Deutsche Bank AG's Answer To Consolidated First Amended Complaint, Jun. 25, 2009, Civil Action No. 09 CIV 2675 (VM). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Jury Trial Demanded, Deutsche Bank Trust Company Americas' Answer to Consolidated First Amended Complaint and Counterclaims, Jun. 25, 2009, Civil Action No. 09 CIV 2675 (VM). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Jury Trial Demanded, Total Bank Solutions, LLC's Answer to Consolidated First Amended Complaint and Counterclaims, Jun. 25, 2009, Civil Action No. 09 CIV 2675 (VM). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Stipulated Dismissal of Counts I-III of Defendant Promontory Interfinancial Network, LLC's, Counterclaim with Prejudice, Oct. 19, 2009, (Document 68). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Stipulation and Order, Oct. 29, 2009, Case No. 09 CV 2675 (VM) (AJP) (Document 73). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, The Island Plaintiffs' Reply to Defendant Deutsche Bank Trust Company Americas' Counterclaims, Jul. 9, 2009, Civil Action No. 09 CIV 2675 (VM). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, The Island Plaintiffs' Reply to Defendant MBSC Securities Corporation's Counterclaims, Jul. 9, 2009, Civil Action No. 09 CIV 2675 (VM). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation and Intrasweep LLC against Promontory Interfinancial Network LLC, MBSC Securities Corporation, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, The Island Plaintiffs' Reply to Defendant Promontory Interfinancial Network LLC's Counterclaims, Jul. 9, 2009, Civil Action No. 09 CIV 2675 (VM). |
Lawsuit by Island Intellectual Property LLC, Lids Capital LLC, Double Rock Corporation, and Intrasweep LLC against Deutsche Bank Trust Company Americas, and Total Bank Solutions, LLC, Defendants' Preliminary Invalidity Contentions, Mar. 12, 2010, Civil Action No. 09 Civ. 2675 (VM) (AJP). |
Lawsuit by Island Intellectual Property LLC, Lids Capital. LLC, Double Rock Corporation and Intrasweep LLC, against Promontory Interfinancial Network, LLC, Deutsche Bank AG, Deutsche Bank Trust Company Americas and Total Bank Solutions, LLC, Complaint, Apr. 14, 2009, Case No. 09 CV 3750. |
Lawsuit by Promontory Interfinancial Network, LLC against Double Rock Corporation p/k/a Reserve Management Corporation, Island Intellectual Property LLC, Lids Capital LLC and Intrasweep LLC, Amended Complaint, Apr. 15, 2009, Civil Action No. 3:09 CV 217. |
Lawsuit by Promontory Interfinancial Network, LLC against Double Rock Corporation p/k/a Reserve Management Corporation, Island Intellectual Property LLC, Lids Capital LLC and Intrasweep LLC, Complaint, May 19, 2009, Civil Action No. 3:09 CV 322. |
Lawsuit by Promontory Interfinancial Network, LLC against Double Rock Corporation, p/k/a Reserve Management Corporation, Island Intellectual Property LLC and Lids Capital LLC, including Cover Sheet, Summons and Complaint, Apr. 14, 2009, Civil Action No. 3:09 CV 217. |
Letter From Colleen Curran Harvey, Deputy Chief Counsel, Jan. 8, 1985; Letter From Merle Y. Waldman, Nov. 14, 1984; Letter From Merle Y. Waldman, Sep. 24, 1984; Letter From Merle Y. Waldman, Aug. 8, 1984, Lexsee 1985 Sec No- Act., Lexis 1593, Securities Exchange Act of 1934—Section 15(a), 11 Sheets. |
Letter from First City National Bank of Austin, Sep. 20, 1982, 5 pgs. |
Letter from Gilbert T. Schwartz, Skadden, Arts, Slate, Meagher & Flom to Oliver Ireland, Associate General Counsel, Board of Governors of the Federal Reserve System; Dec. 18, 1987; 19 sheets. |
Letter From Jamey Basham, Attorney, LEXSEE 1990 FDIC Interp. Ltr., Lexis 1, Federal Deposit Insurance Corporation, FDIC-90-02, Jan. 3, 1990, 2 Sheets. |
Letter From Joseph A. DiNuzzo, Counsel, Oct. 20, 1999, FDIC, Federal Deposit Insurance Corporation, 1 Sheet. |
Letter from Marilyn J. Hensle, announcing Salomon Smith Barney Bank Deposit Program.SM, with Q&A, 14 sheets. |
Letter from Michael Bradfield, General Counsel, Board of Governors of the Federal Reserve System, Nov. 16, 1984, 4 Sheets. |
Letter From Oliver I. Ireland, Associate General Counsel, Board of Governors of the Federal Reserve System, Jun. 22, 1988, 5 Sheets. |
Letter From Oliver I. Ireland, Associate General Counsel, Board of Governors of the Federal Reserve System, Jun. 22, 1988, 5 Sheets. (Previously disclosed). |
Letter From Roger A. Hood, Assistant General Counsel, Jul. 16, 1986, FDIC, Federal Deposit Insurance Corporation, Legal Division, 1 Sheet. |
Letter from Roger M. Zaitzeff, Seward & Kissel to Gilbert T. Schwartz, Associate General Counsel, Board of Governors of the Federal Reserve System; May 10, 1983, 5 sheets. |
Letter from Stephanie Martin, Assoc. General Counsel, Board of Govenors of the Federal Reserve System, Apr. 22, 2004, 8 Sheets. |
Letter From William W. Wiles, Secretary of the Board, Board of Governors of the Federal Reserve System, Jun. 22, 1983, 6 Sheets. |
Letter From William W. Wiles, Secretary of the Board, Board of Governors of the Federal Reserve System, Jun. 22, 1983, 6 Sheets. (Previously disclosed). |
Letter to A.J. Bufalino, from C.R. Macedo, Re: Reserve Management Corporation, Wayne Hummer Investments LLC, May 8, 2007, (enclosing Jan. 3, 2006 letter to A.J. Bufalino, Feb. 23, 2006 letter to A.J. Bufalino, Mar. 16, 2006 letter to C. Macedo, U.S. Appl. No. 6,374,231, U.S. Publication No. 2002/0091637 A1, U.S. Publication No. 2005/0108149 A1, U.S. Publication No. 2005/0228733 A1, U.S. Publication No. 2006/0212385 A2, U.S. Publication No. 2006/0212389 A2), 510 pages. |
Letter to A.J. Bufalino, from C.R. Macedo, Re: Reserve Management Corporation, Wayne Hummer Investments LLC, Our File: 71297/80, dated Feb. 23, 2006, 1 page. |
Letter to A.J. Bufalino, from C.R. Macedo, Re: Reserve Management Corporation, Wayne Hummer Investments LLC, Our File: 71297/80, dated Jan. 3, 2006, 2 pages. |
Letter to A.J. Bufalino, from C.R. Macedo, Re: Reserve Management Corporation, Wayne Hummer Investments LLC, Our File: 71297/80, dated May 8, 2007 (attached Appendices 1-3) 6 pages. |
Letter to A.J. Bufalino, from C.R. Macedo, Re: Reserve Management Corporation, Wayne Hummer Investments LLC, Our File: 71297/80, dated May 8, 2007, 2 pages. |
Letter to A.J. Bufalino, from S. Johnson, Re: Response to May 29, 2003 letter/email correspondence dated Aug. 5, 2003 (enclosing Jul. 16, 2003 letter to T.M. McDonald, May 29, 2003 fax to B. Bent II, Jan. 10, 2003 letter to R.L. Kratzer, note page), 7 pages. |
Letter to A.J. Bufalino, from S. Johnson, Re: Response to May 29, 2003 letter/email correspondence, dated Aug. 5, 2003, 1 page. |
Letter to A.J. Bufalino, from S. Johnson, Re: U.S.P.N. 6,374,231, dated May 29, 2003, 2 pages. |
Letter to A.J. Bufalino, from T.J. Vezeau, Re: U.S.P.N. 6,374,231, dated Feb. 11, 2003, 1 page. |
Letter to Bill Goertz, Jul. 3, 1990, 1 pg. |
Letter to Brenda L. Skidmore, Aug. 30, 1995, 4 pgs. |
Letter to C.R. Macedo, from A.J. Bufalino, Re: Reserve Management Corporation, Wayne Hummer Investments LLC, Our File: 71297/80, dated Mar. 16, 2006, 1 page. |
Letter to C.R. Macedo, from R.L. Rainey, Re: Promontory Interfinancial Network, LLC, dated Feb. 23, 2009, (attached Exhibit A-B), 21 pages. |
Letter to C.R. Macedo, from R.L. Rainey, Re: Promontory Interfinancial Network, LLC, dated Jul. 22, 2008, (attached Attachments A-E), 35 pages. |
Letter to C.R. Macedo, from R.L. Rainey, Re: Promontory Interfinancial Network, LLC, dated Oct. 16, 2008, (attached Attachments A-C), 22 pages. |
Letter to Client, from M.J. Hensle, Re: Salomon Smith Barney Bank Deposit ProgramSM, (attached Q&A: Important Information about the New Salomon Smith Barney Bank Deposit Program), Aug. 16, 2020, 14 pages. |
Letter to G.T. Schwartz, from O.I. Ireland, dated Jun. 22, 1988 (response to Dec. 18, 1987 letter re: proposed modifications to Merrill Lynch's CMA Program), 5 pages. |
Letter to G.T. Schwartz, from O.I. Ireland, dated Jun. 22, 1988, Re: response to letter of Dec. 18, 1987 regarding proposed modifications to Merrill Lynch's CMA Program, 5 pages. |
Letter to J. Van De Graff, from R.L. Kratzer, Re: Reserve Management Corp. Assertion, dated Feb. 13, 2003, 1 page. |
Letter to James E. Creekman, Aug. 1, 1995, 4 pgs. |
Letter to Jerry Crutsinger, Jul. 3, 1990, 1 pg. |
Letter to John Lovell, Jul. 3, 1990, 1 pg. |
Letter to L.P. Fleming, Jr. Esq., Feb. 7, 1995, 3 pgs. |
Letter to M.L. Duke from K. Johnson, dated Dec. 27, 1989, (attached Insured Savings Correspondent Agreement, Exhibits A-D, letter to M.L. Duke from K. Johnson dated Nov. 21, 1989 and Account Information Sheet), 39 pages. |
Letter to Malcolm L. Duke, Dec. 27, 1989 with Insured Savings Correspondent Agreement, Exhibits A-D, and Letter to Malcolm L. Drake, Nov. 21, 1989, 37 pgs. |
Letter to Mr. James E. Creekman, Group Vice President, From Oliver Ireland, Associate General Counsel, Aug. 1, 1995, 4 Sheets. |
Letter to Mr. Jonathan L. Levin, Esq., From Oliver Ireland, Associate General Counsel, Oct. 18, 1996, 2 Sheets. |
Letter to Mr. L.P. Fleming, Jr., Esq., From Oliver Ireland, Associate General Counsel, Feb. 7, 1995, 3 Sheets. |
Letter to Ms. Brenda L. Skidmore, Senior Vice President, From Oliver Ireland, Associate General Counsel, Aug. 30, 1995, 4 Sheets. |
Letter to Paula Martin, Jul. 3, 1990, 1 pg. |
Letter to R.L. Kratzer, from T.J. Vezeau, Re: U.S. Appl. No. 6,374,231, dated Jan. 10, 2003 (with various attachments), 128 pages. |
Letter to R.L. Kratzer, from T.J. Vezeau, Re: U.S. Appl. No. 6,374,231, dated Jan. 10, 2003, 1 page. |
Letter to R.L., Kratzer, from T.J. Vezeau, Re: U.S.P.N. 6,374,231, dated Jan. 10, 2003, 1 page. |
Letter to R.M. Zaitzeff, from W.W. Wiles, dated Jun. 22, 1983 (response to May 10, 1983 letter re: offering of MMDAs), 6 pages. |
Letter to Susan Goodwin, Jul. 3, 1990, 1 pg. |
Letter to T.J. Vezeau, from A.J. Bufalino, Re: U.S.P.N. 6,374,231, dated Feb. 7, 2003, 1 page. |
Letter to T.M. McDonald, from B. Bent II, Re: FDIC insured money market products, dated Jul. 16, 2003 (enclosing Jul. 14, 2003 email to abufalino@vedderprice.com, May 29, 2003 letter to A.J. Bufalino, Feb. 13, 2003 letter to J. Van De Graaff, Feb. 11, 2003 letter to A.J. Bufalino, Feb. 7, 2003 letter to T.J. Vezeau, Jan. 10, 2003 letter to R.L. Kratzer), 9 pages. |
Letter to T.M. McDonald, from B. Bent II, Re: FDIC insured money market products, dated Jul. 16, 2003, 1 page. |
Letter to Tim C. Lear, Sep. 20, 1988, 1 pg., with Memorandum from Ed Piner, re: Insured Savings Product, Nov. 9, 1988, and Letter from Tara L. Cyr, Dec. 9, 1988, 1 pg. |
Letter to V.J. Best, from J.E. Oncken, dated Apr. 18, 1988, 2 pages. |
Letter to William R. Burdette, CEO, Apr. 6, 2009, FDIC, Federal Deposit Insurance Corporation, 2 pages. |
Letter to William R. Burdette, CEO, Nov. 15, 2007, FDIC, Federal Deposit Insurance Corporation, 5 Sheets. |
LexisNexis, the American Banker, "Merrill Joins Money Market Account, CMA; Broker Begins Testing With 12 Institutions," Sep. 23, 1983, 4 pages. |
LexisNexis, The American Banker, Sep. 23, 1983, Merrill Joins Money Market Account, CMA; Broker Begins Testing With 12 Institutions, Byline: A. Arvan, 4 pages. |
Liberman et al., Market Watch, "How Important are Banks?" FDIC Insurance on Deposits Just One Continuing Advantage, Oct. 17, 2006, 3 Sheets. |
Martens, Don W.; letter to Hon. Victor Marrero re. supplement to letter of Nov. 28, 2011 on tentative rulings on claim construction in Island Intellectual Property LLC et al. v. Deutsche Bank Trust Co., et al.; Nov. 28, 2011; Case 1:09-cv-02675-VM; Document 211. |
Martens, Don W.; letter to Hon. Victor Marrero re. tentative rulings on claim construction in Island Intellectual Property LLC et al. v. Deutsche Bank Trust Co., et al.; Nov. 28, 2011; Case 1:09-cv02675-VM, Document 210. |
McReynolds et al. "Unusual Products for Unusual Times," Securities Data Publishing on Wall Street, 6 Sheets, May 1, 2001. |
McReynolds, "The Power of Cash: Ho-hum cash can be great product (and lead to more business) in troubled times," Securities Data Publishing on Wall Street, 3 Sheets, Jun. 1, 2002. |
Memo to Bruce Bent, from Bruce Bent II, Re: S&M Status, Oct. 15, 1997 (cc: Arthur, Mary, Marianne, Joe, Pat, Cathy, Michelle), 1 page. |
Memo to Marianne, Pat, Bruce Bent, from Bruce Ben II, Re: Reserve Insured Deposit Account, Sep. 4, 1997, 1 page. |
Memo to Marianne, Pat, Bruce Bent, from Bruce Bent II, Re: Reserve Insured Deposit Account, Sep. 4, 1997, 1 page. |
Memo to Marianne, Ralph, Customer Service, from Bruce Bent II, Re: Reserve IDA, Sep. 4, 1997, 1 page. |
Memorandum from Dick Zinser, re: A First City-Austin deposit program to hold existing customers' deposits, Mar. 17, 1988, 7 pgs. |
Memorandum from Ed Piner re: Insured Savings Product Update, Feb. 1, 1990, 4 pgs. |
Memorandum from Ed Piner, Subject: Discontinuation of Automatic Balance Monitoring in conjunction with Insured Savings Accounts, May 21, 1991, 1 pg. |
Memorandum from John E. Oncken re: Brokered Deposit Issue vs. Insured Savings, Mar. 22, 1990, 8 pgs. |
Memorandum from John E. Oncken re: Insured Savings Update, Jun. 15, 1990, 7 pgs. |
Memorandum from Ken Johnson re: Insured Deposit Products, Aug. 18, 1992, 3 pgs. |
Memorandum from Ken Johnson, re: Attached Insured Savings Letters, Jul. 5, 1990, 1 pg. |
Memorandum from Ted Hamilton re: Insured Deposit Account, Oct. 10, 1995, 13 pgs. |
Memorandum to J. Oncken, J. Scurlock, B. Standefer, E. Piner, T. Cyr, from K. Johnson, dated Jul. 5, 1990, Re: Attached Insured Savings Letters (with attachments), 9 pages. |
Memorandum to M. Peterson, J. Whitt, R. Wroten, E. Naumes, E. Deal, B. McCain, from J.E. Oncken, Jun. 15, 1990, Re: Insured Savings Update (with attachments), 7 pages. |
Merriam-Webster Online Dictionary, 10th Edition, Definition of "Associated", 2 Sheets. |
Merrill Joins Money Market Account, CMA; Broker Begins Testing With 12 Institutions, Lexis Nexis, Sep. 23, 1983, 4 pgs. |
Merrill Lynch & Co Inc—MER, 10k Wizard, Form 8-K, "Report of Unscheduled Material Events or Corporate Changes," Filed Mar. 7, 2002, 51 pages. |
Merrill Lynch & Co., Inc. Form 10-K405 (Annual Report (Regulation S-K, item 405)), Filed Mar. 14, 2002 for the Period Ending Dec. 28, 2001, with Schedules, Exhibits, and 2001 Annual Report, 248 pgs. |
Merrill Lynch & Co., Inc., Form 10-K405 (Annual Report (Regulation S-K, item 405)), Filed Mar. 14, 2002 for the Period Ending Dec. 28, 2001, 248 pages. |
Merrill Lynch & You, "Financial Services The Way You Want, When You Want Them," Jan. 2000 4 Sheets. |
Merrill Lynch & You, "Financial Services The Way You Want, When You Want Them," Jan. 2000, 16 pages. |
Merrill Lynch & You, "Financial Services The Way You Want, When You Want Them," Jan. 2000, 4 Sheets. (Previously disclosed). |
Merrill Lynch Announces Beyond Banking, The Power of Advice For Smarter Cash Management, Jan. 8, 2 Sheets. |
Merrill Lynch Money Markets, Inc., Merrill Lynch Capital Markets, "The Insured Savings Account, Issuer Guide to Offering MMDAs through Merrill Lynch," Sep. 1986; 36 pages. |
Merrill Lynch, "Information Statement Regarding changes to Interest Rates on Deposits in the Merrill Lynch Banks," Nov. 12, 2007, 2 pages. |
Merrill Lynch, "Insured Savings™ Account Fact Sheet," The Merrill Lynch Cash Management Account® Financial Service, 11 pages. |
Merrill Lynch, Information Statement Regarding Changes to Interest Rates on Deposits in the Merrill Lynch Banks, Document 64-14, Nov. 12, 2007, Case 1:07-cv-00318, 2 sheets. |
Merrill Lynch, Insured Savings Account Fact Sheet, The Merrill Lynch Cash Management Account® Financial Service, Jan. 1986, 4 pages. |
Merrill Lynch, Pierce, Fenner & Smith Incorporated, "Information Statement," 2000, 12 Sheets. |
Merrill Lynch, Pierce, Fenner & Smith Incorporated, "Information Statement," 2000, 12 Sheets. (Previously disclosed). |
Merrill Lynch, The Merrill Lynch Capital BuildersSM Account Financial Service, Insured SavingsSM Account Participating Depository Institutions, 1996, 2 pages. |
Merrill Lynch—Pierce, Fenner & Smith, Inc., "The Merrill Lynch Cash Management Account®," Financial Service, Jan. 1985, 18 pages. |
Merrill Moves CMA Cash to Bank, Street Talk, on Wall Street, Nov. 2000, p. 26. |
Money Fund $$ Moving to Bank Deposits, 6 FRC Monitor, Dec. 2003, 2 sheets. |
Money Fund Report, Bank of New York Adds Insured Sweeps Option, Friday, May 3, 2002, The Reserve Funds, 1 Sheet. |
Money Fund Report, IBC Financial Data, Inc., Nov. 6, 1998, 1 Sheet. |
Money Fund Report, Insured Cash Sweep Options Proliferate, Friday, Jun. 1, 2001, The Reserve Funds, 1 Sheet. |
Money Market Insight's, Goldman Sachs May Create Bank to Offer Insured Cash Sweeps, Aug. 2002 Issue, 3 Sheets. |
Munk, Merrill Makes New Push Into Traditional Banking, Dow Jones Newswires, Jan. 3, 2003, 1 Sheet. |
Mutual Fund Dealers Association, 1 page, (http://www.mfda.ca/. |
Mutual Funds Magazine, Bargain Basement Funds, Oct. 1997, 1 Sheet. |
Mutual Funds Magazine, Bargain Basement Funds, Oct. 1997, 2 Sheets. |
News article; "Regulators Support Demand Deposit Bill", Regulatory Compliance Watch-Mar. 9, 1998; p. 1; vol. 9, No. 10. * |
O'Brian, "Money-Market Funds Suit Many Investors, But Proud Creator Frets About Extra Risk," Re-Printed From the Wall Street Journal, Monday, Nov. 6, 2000, Dow Jones & Company, Inc., 2 Sheets. |
OCC Insured Bank Deposit Account (attached are p. 2 of Quest for Value Funds Daily Data, Jun. 1993; OCC Insured Account Rate Table), 3 pages. |
OCC Insured Bank Deposit Account, 3 sheets. |
On Wall Street, Helping Brokers Build A More Successful Business, The Power of Cash, Jun. 2002, 2 Sheets. |
On Wall Street, Helping Brokers Build A More Successful Business, Unusual Products For Unusual Times, May 2001, 2 Sheets. |
Online, www.usabancshares.com, Brave New World, 1999, 2 Sheets. |
Part: 2, Monetary Policy and Reserve Requirements, Subpart—Regulation D, Board Interpretations of Regulation D, Transaction Accounts—Linked to Time Deposits, vol. 1, Federal Reserve Regulatory Service, 2 Sheets. |
Potter, "As Sweep Accounts Continue to Grow, So do Community Bank Options," America's Community Banker, vol. 9, Issue 8, Bell & Howell Information and Learning Company, 3 Sheets, Aug. 1, 2000. |
Product Bulletin from Bill McCain, Subject: Insured Savings Product Announcement, May 8, 1989, 7 pgs. |
Product Strategy, "Money Fund $$ Moving to Bank Deposits, Distributors Start to Install Bank Deposit Accounts to Replace Money Funds," 6 FRC Monitor, Dec. 2003, 2 pages. |
Promontory Interfinancial Network, 3, Sheets, http://www.promnetwork.com/index.html, (2003). |
Promontory Interfinancial Network, Promontory Interfinancial Network Announces New Deposit Placement Service, Jan. 21, 2003, 3 Sheets. |
Promontory Interfinancial Network: Frequently Asked Questions (FAQs), Feb. 5, 2003, 5 pages. |
Quest Cash Management Services Memorandum to Tom Duggan, Re: Quest Insure Account, Nov. 16, 1993. |
Quest Insured Account, Information Statement, 5 sheets. |
Quest Insured Account, QUESTessentials, 3 sheets. |
QUESTessentials, "Quest Insured Account," May 17, 1994, 3 pages. |
Reserve Insured Deposits, United States Patent and Trademark Office, Reg. No. 2,694,910, Registered Mar. 11, 2003, 1 Sheet. |
Reserve Management Corporation, Reserve Insured Deposits, U.S. Appl. No. 76/315,600, Issued. |
Ring, National/Global, "Amex Spans The Globe in Retail Bank Buildup," Nov. 27, 2000, 1 Sheet. |
Salomon Smith Barney, "Bank Deposit Program Disclosure Statement," 3 pages. |
Service Mark Application, Applicant: Reserve Management Corporation, Mark: Reserve Insured Deposits, (attached Power of Attorney, Declaration, Drawing Page Sep. 21, 2001, 6 pages. |
Seven Times the Security of a Normal CD, Introducing our MaxSafe CD, 4 Sheets. |
Share, "New Service Skirts FDIC's $100K Limit," Dialog Web Command Mode, 2 Sheets, Jun. 13, 2003, http://www.dialogweb.com/cgi/dwclient. |
Smith Barney Inc. Capital Markets, Debt Origination Group Memo, to J. Mandelbaum, from T. Hamilton, cc: R. Holloman, H. Bald, S. Becton, Re: Insured Deposit Account, Oct. 10, 1995; Smith Barney Inc. Capital Markets, Debt Origination Group Memo, to B. Holloman, from T. Hamilton, cc: W. Heinzerling, H. Morris, COPs, Re: New Product Proposal for Insured Deposit Account, Sep. 18, 1995, 2 pages. |
Smith, "IBAA Won't Push Interest-Bearing Checking for Business; Says Too Few Members Want It," The American Banker, 2 Sheets, Apr. 18, 1996. |
Stafford, "New Bank Program Allows $1 Million in Insured Deposits," Dialog Web Command Mode, 3 Sheets, Aug. 24, 2003, http://www.dialogweb.com/cqi/dwclient. |
Street Talk, "Merrill Moves CMA Cash to Bank", On Wall Street, Nov. 2000, 1 sheet. |
Summary of Commentary on Current Economic Conditions by Federal Reserve Districts, Jan. 1985, 44 pages. |
Sweeping Your Firm Into FDIC Insured Deposits, Harken Financial Services, Aug. 4, 2006, 8 Sheets. |
Testimony of Bruce R. Bent, CEO of The Reserve Funds, Before The Financial Institutions and Consumer Credit Subcommittee House Financial Services Committee U.S. House of Representative, Hearing On H.R. 758 and H.R. 859, Mar. 5, 2003, 4 Sheets. |
The Depository Trust Company, B#: 3875, Oct. 1, 2002, Settlement/Underwriting, From: Denise Russo, Director, Underwriting, 6 Sheets. |
The Insured Deposit Account: "Money in the Bank," p. 5; Three Little Letters. Three Big Ways to Save in 1998, p. 4. |
The Insured Deposit Account: "Money in the Bank", 1997, 2 sheets. |
The Insured Savings Account, Issuer Guide to Offering MMDAs through Merrill Lynch, 27 pgs. |
The Insured Savings Account, Issuer Guide to Offering MMDAs Through Merrill Lynch, Merrill Lynch Money Markets, Inc., "Operational Guide to the Merrill Lynch MMDA Program 1986", Sep. 1986 3 Sheets. |
The May 1998 Senior Financial Officer Survey, Board of Govenors of the Federal Reserve System, with Appendix A, 48 pgs. |
The Merrill Lynch Cash Management Account, Financial Service, 18 pgs. |
The Pershing Press, Dreyfus Insured Deposit Program, Issue 2, Aug. 2008, http://www.pershing.com/news/pershing—press/news—466244.html, 1 Sheet. |
The Reserve Fund, Study of U.S. Appl. No. 6,374,231, 1 Sheet. |
The Reserve Funds Press Release "The Reserve Funds and Frontier Bank Partner to Offer Revolutionary Banking Product," 5 Sheets, Aug. 1, 2000. |
The Reserve Funds, NJBA Endorses New Sweep Account Offers New Jersey Banks Deposit Growth, Retention, for Immediate Release, May 23, 2001, 1 Sheet. |
The Reserve Funds, Objectives, Observations & Strategies for American Enterprises Inv., Oct. 18, 2000, 11 Sheets. |
The Reserve Funds, Reserve Management and Irwin Union Bank and Trust Company Partner to Offer The Reserve Return Sweep, For Immediate Release, Mar. 8, 2001, 2 Sheets. |
The Reserve, "Company History," 3 Sheets, Oct. 4, 2006 http://www.ther.com/aboutus/history.shtml. |
The Reserve, "Reserve Insured Deposits Program," 2 Sheets, Oct. 4, 2006, http://www.ther.com/bank/bank-insdep.shtml. |
The Reserve, "Reserve Insured Deposits," 2 Sheets, Oct. 4, 2006 http://www.ther.com/ps/ps-fif.shtml. |
The Reserve, "What Sets Us Apart," 2 Sheets, Oct. 4, 2006, http://www.ther.com/bank/bank-wsua.shtml. |
The Unmatched Sweep Solution From the Cash Management Expert, 2 Sheets. |
Total Bank Solutions, Bank Sweep FAQs http://www.totalbanksolutions.com/sweepbnkfaqs.htm, Sep. 23, 2005, 2 pages. |
Total Bank Solutions, Bank Sweep FAQs, http://www.totalbanksolutions.com/sweepbnkfaqs.htm, Nov. 2, 2005, 3 pages. |
Total Bank Solutions, Bank Sweep Products, Deutsche Bank, http://www.totalbanksolutions.com/banksweep.htm, Sep. 23, 2005, 1 page. |
Total Bank Solutions, Bank Sweep Products, http://www.totalbanksolutions.com/banksweep.htm, Appendix 3, Oct. 18, 2005, 2 pages. |
Total Bank Solutions, Bank Sweep Products, http://www.totalbanksolutions.com/banksweep.htm, Nov. 2, 2005, 2 pages. |
Total Bank Solutions, Brokerage Sweep FAQs, http://www.totalbanksolutions.com/brokerfaqs.htm, Nov. 2, 2005, 3 pages. |
Total Bank Solutions, Brokerage Sweep, http://www.totalbanksolutions.com/brokersweep.htm, Nov. 2, 2005, 1 page. |
Total Bank Solutions, Deposit Bank FAQs, http://www.totalbanksolutions.com/depositbnkfaqs.htm, Nov. 2, 2005, 2 pages. |
Total Bank Solutions, Deposits, Deutsche Bank, http://www.totalbanksolutions.com/deposits.htm, Sep. 23, 2005, 1 page. |
Total Bank Solutions, Deposits, http://www.totalbanksolutions.com/deposits.htm, Nov. 2, 2005, 2 pages. |
Total Bank Solutions, Deutsche Bank Insured Deposit Program, DB Insured Deposit Program Features, http://www.totalbanksolutions.com/features.htm, Sep. 23, 2005, 2 pages. |
Total Bank Solutions, Deutsche Bank Insured Deposit Program, http://www.totalbanksolutions.com/, Sep. 23, 2005, 1 page. |
Total Bank Solutions, http://www.totalbanksolutions.com/, Mar. 16, 2007, 8 pages. |
Total Bank Solutions, http://www.totalbanksolutions.com/overview.htm, Nov. 2, 2005, 1 page. |
Total Bank Solutions, Insured Deposit Program Features, http://www.totalbanksolutions.com/features.htm, Nov. 2, 2005, 2 pages. |
Total Bank Solutions, Insured Deposit Program, http://www.totalbanksolutions.com/Insureddeposits.htm, Nov. 2, 2005, 2 pages. |
Total Bank Solutions, Partners & Affiliates, http://www.totalbanksolutions.com/partners.htm, Nov. 2, 2005, 3 pages. |
Total Bank Solutions, Partners & Affiliates, http://www.totalbanksolutions.com/partners.htm, Oct. 25, 2005, 3 pages. |
Total Bank Solutions, Strategtic Partners, Nov. 2, 2005, 1 page. |
Total Bank Solutions, TBS Deposit Account, About Our Broker Products, http://www.totalbanksolutions.com/brokerproducts.htm, Sep. 7, 2005, 2 pages. |
Total Bank Solutions, TBS Management Team, http://www.totalbanksolutions.com/management.htm, Appendix 1, Oct. 18, 2005, 1 page. |
Total Bank Solutions, TBS Management Team, http://www.totalbanksolutions.com/management.htm, Nov. 2, 2005, 2 pages. |
Total Bank Solutions, TBS Management Team, http://www.totalbanksolutions.com/management.htm, Oct. 25, 2005, 2 pages. |
TotalBank Solutions, TBS Bank Deposit Account, Oct. 2004, 6 pgs. |
TotalBank Solutions, web.archive.org/web/20050126044216/http://totalbanksolutions.com, Jan. 26, 2005, 2 pgs. |
U.S. Appl. No. 09/677,535, filed Oct. 2, 2000, Bruce Bent et al. |
U.S. Appl. No. 10/825,440, filed Apr. 14, 2004, Bruce Bent et al. |
U.S. Appl. No. 11/641,046, filed Dec. 19, 2006, Bruce Bent et al. |
U.S. Appl. No. 11/840,052, filed Aug. 16, 2007, Bruce Bent et al. |
U.S. Appl. No. 11/840,060, filed Aug. 16, 2007, Bruce Bent et al. |
U.S. Appl. No. 12/025,402, filed Feb. 4, 2008, Bent. |
U.S. Appl. No. 12/385,522, filed Aug. 10, 2009, Bruce Bent et al. |
U.S. Appl. No. 12/408,507, filed Mar. 20, 2009, Bruce Bent et al. |
U.S. Appl. No. 12/408,511, filed Mar. 20, 2009, Bruce Bent et al. |
U.S. Appl. No. 12/408,523, filed Mar. 20, 2009, Bruce Bent et al. |
U.S. Appl. No. 12/453,387, filed May 8, 2009, Bruce Bent et al. |
U.S. Appl. No. 12/453,388, filed May 8, 2009, Bruce Bent et al. |
U.S. Appl. No. 12/453,389, filed May 8, 2009, Bruce Bent et al. |
U.S. Appl. No. 12/453,390, filed May 8, 2009, Bruce Bent et al. |
U.S. Appl. No. 12/622,979, filed Nov. 20, 2009, Bruce Bent et al. |
U.S. Appl. No. 12/794,448, filed Jun. 4, 2010, Bruce Bent et al. |
U.S. Appl. No. 12/794,545, filed Jun. 4, 2010, Bruce Bent et al. |
U.S. Appl. No. 12/816,092, filed Jun. 15, 2010, Bruce Bent, II et al. |
U.S. Appl. No. 12/829,961, filed Jul. 2, 2010, Bruce Bent et al. |
U.S. Appl. No. 60/307,815, filed Jul. 27, 2001. |
U.S. Appl. No. 60/323,865, filed Sep. 20, 2001. |
USA Mutual Partners Insured Cash Shelter Account Terms and Conditions, 11 pages, 2009 USA Mutuals Partners, Inc. |
USPTO Office Action, Interview Summary, U.S. Appl. No. 11,767,827, Date Mailed Sep. 23, 2009, 4 pages. |
USPTO Office Action, Office Action Summary, U.S. Appl. No. 11,767,827, Date Mailed Jun. 5, 2009, 35 pages. |
Wachovia Securities, Important Information for Clients Concerning Changes in Automatic "Sweep" Arrangements, Oct. 1, 2003, 6 sheets. |
Waddell, "Sweeping Clean," Advisor, The Advisor to Advisors, 2 Sheets. |
Wayne Hummer Investment Trust, Investment Company Act File No. 811-3880, "Start Investing Today . . .," Prospectus, Jul. 31, 2002, 44 pages. |
Wayne Hummer Investments for Life, Booklet, 2003, 25 pages. |
Wayne Hummer Investments LLC, "Consolidated Statement of Financial Condition," with Report of Independent Auditors, Dec. 31, 2002, 12 pages. |
Wayne Hummer Investments, "A Letter to Wayne Hummer Investments Clients & Friends," Jul. 18, retrieved from the Internet: http://www.whummer.com/wintrust2qEarnings.html, 1 page [retrieved on Jul. 3, 2003]. |
Wayne Hummer Investments, "Contact Us," retrieved from the Internet: http://www.waynehummer.com/contact-us.htm, 6 pages [retrieved on Jan. 8, 2003]. |
Wayne Hummer Investments, "Investment Executives," retrieved from the Internet: http://www.whummer.com/investment-executives.htm, 2 pages. [retrieved on Jul. 2, 2003]. |
Wayne Hummer Investments, "Wintrust Financial Corporation Reports Second Quarter Earnings; Second Quarter Net Earnings Up 45%," Jul. 18, 1 page. |
Wayne Hummer Investments, "Insured Bank Deposits™ Program, Frequently Asked Questions," 4 pages. |
Wayne Hummer Investments, retrieved from the Internet: "Our People Focused on Your Investments," Jul. 2, 2003, http://www.whummer.com/; "Stocks & Bonds," http://www.whummer.com/stocks-bonds.htm; "Mutual Funds," http://www.whummer.com/mutual-funds.htm; "Morning Comments," http://www.whummer.com/morningcomments.asp, 6 pages. [retrieved on Jul. 2, 2003]. |
Wayne Hummer Investments; Insured Bank Deposits Program-Frequently Asked Questions; obtained Dec. 26, 2002; 4 pages. |
Wayne Hummer Management Company, retrieved from the Internet: "Organization & Clients," http://www.whmgmtco.com; "Assets Under Management-Dec. 31, 2002," http://www.whmgmtco.com/asset.htm; "Equity & Mid Cap Growth Investment Philosophy," http://www.whmgmtco.com/equ-phil.htm; "Economic & Market Commentary-Jan. 2003," http://www.whmgmtco.com/commentary.htm; "Management Team," http://www.whmgmtco.com/team.htm; "Fixed Income Performance," http://www.whmgmtco.com/fixed-perf.htm; "Mid-Cap Equity Performance," http://www.whmgmtco.com/mid-perf.htm; "All Equity Performance," http://www.whmgmtco.com/all-perf.htm, 11 pages. [retrieved on Jul. 2, 2003]. |
Wayne Hummer Management Company, retrieved from the Internet: "Organization & Clients," http://www.whmgmtco.com; "Assets Under Management—Dec. 31, 2002," http://www.whmgmtco.com/asset.htm; "Equity & Mid Cap Growth Investment Philosophy," http://www.whmgmtco.com/equ-phil.htm; "Economic & Market Commentary—Jan. 2003," http://www.whmgmtco.com/commentary.htm; "Management Team," http://www.whmgmtco.com/team.htm; "Fixed Income Performance," http://www.whmgmtco.com/fixed-perf.htm; "Mid-Cap Equity Performance," http://www.whmgmtco.com/mid-perf.htm; "All Equity Performance," http://www.whmgmtco.com/all-perf.htm, 11 pages. [retrieved on Jul. 2, 2003]. |
Wayne Hummer Market Letter, Jul./Aug. 2003, 2 pages. |
Wayne Hummer Money Market Fund Brochure, Performance Data as of Mar. 31, 2003, including Commentary page (attached http://www.whummer.com/funds/money.asp and http://www.whummer.com/fund-dis.htm), 4 pages. |
Wayne Hummer Money Market Fund, "Annual Financial Statements," Mar. 31, 2003, 12 pages. |
Wayne Hummer, "For Time-Proven Professionalism," Booklet, 2003, 13 pages. |
Wayne Hummer, "Insured Bank Deposits(TM) Program Information Statement," obtained Dec. 26, 2002; 12 pages. |
Wayne Hummer, "Insured Bank Deposits™ Program Information Statement," obtained Dec. 26, 2002; 12 pages. |
Weber Shandwick Worldwide, News: For Immediate Release, "Wayne Hummer Investments Names New President & CEO," Apr. 2003, 2 pages. |
Wilson, "How Cash Management Services Can Help Your Bank Cultivate New Relationships with Commercial Customers," America's Community Banker, vol. 10, Issue 5, Bell & Howell Information and Learning Company, 8 Sheets, May 1, 2001. |
Wintrust Financial Corporation, "Wintrust Financial Corporation Reports Record Earnings for the Fourth Quarter and Year; Fourth Quarter Net Earnings Up 53%," 22 pages. |
Cited By (52)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8554668B2 (en) | 1998-08-31 | 2013-10-08 | Mastercard International Incorporated | Financial transaction card with installment loan feature |
US20050209962A1 (en) * | 1998-08-31 | 2005-09-22 | Hogan Edward J | Financial transaction card with installment loan feature |
US20070250442A1 (en) * | 1998-08-31 | 2007-10-25 | Hogan Edward J | Financial Transaction Card With Installment Loan Feature |
US20150032629A1 (en) * | 1998-08-31 | 2015-01-29 | Mastercard International Incorporated | Systems and Methods for Appending Supplemental Payment Data to a Transaction Message |
US20110295745A1 (en) * | 1998-08-31 | 2011-12-01 | Mastercard International Incorporated | Systems and methods for appending supplemental payment data to a transaction message |
US8799153B2 (en) * | 1998-08-31 | 2014-08-05 | Mastercard International Incorporated | Systems and methods for appending supplemental payment data to a transaction message |
US8560442B1 (en) | 1998-10-21 | 2013-10-15 | Island Intellectual Property Llc | Systems and methods for providing enhanced account management services for multiple banks |
US8498933B1 (en) | 1998-10-21 | 2013-07-30 | Island Intellectual Property Llc | Systems and methods for providing enhanced account management services for multiple banks |
US8386383B1 (en) | 1998-10-21 | 2013-02-26 | Island Intellectual Property Llc | Money fund banking system with multiple banks and/or rates |
US8612324B1 (en) | 1998-10-21 | 2013-12-17 | Island Intellectual Property Llc | Systems and methods for administering return sweep accounts |
US8401962B1 (en) | 1998-10-21 | 2013-03-19 | Island Intellectual Property Llc | Systems and methods for providing enhanced account management services for multiple banks |
US8571984B1 (en) | 1998-10-21 | 2013-10-29 | Island Intellectual Property Llc | Systems and methods for providing enhanced account management services for multiple banks |
US8311916B1 (en) | 1998-10-21 | 2012-11-13 | Island Intellectual Property Llc | Systems and methods for administering return sweep accounts |
US10218859B1 (en) * | 2000-04-27 | 2019-02-26 | Precis Group Llc | Secured pre-payment for portable communication unit |
US20050049964A1 (en) * | 2003-01-14 | 2005-03-03 | Winterer Mary Jo | Financial transaction card with automatic payment feature |
US8719157B1 (en) | 2003-01-27 | 2014-05-06 | Island Intellectual Property Llc | System and method for investing public deposits |
US8712911B1 (en) | 2003-01-27 | 2014-04-29 | Island Intellectual Property Llc | System and method for investing public deposits |
US20100094735A1 (en) * | 2006-11-15 | 2010-04-15 | Charles Reynolds | Methods and systems for automated payments |
US8571960B1 (en) | 2007-02-28 | 2013-10-29 | Island Intellectual Property Llc | System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts |
US8606676B1 (en) | 2007-02-28 | 2013-12-10 | Island Intellectual Property Llc | System and method for allocating excess funds in control account |
US8386382B1 (en) | 2007-02-28 | 2013-02-26 | Island Intellectual Property Llc | System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts |
US8744942B1 (en) | 2009-04-07 | 2014-06-03 | Promontory Interfinancial Networks, Llc | Method, system and computer program product for managing funds in custodial deposit accounts |
US8392304B1 (en) | 2009-04-07 | 2013-03-05 | Promontory Interfinancial Network, Llc | Method, system and computer program product for managing funds in custodial deposit accounts |
US8712881B1 (en) | 2009-04-07 | 2014-04-29 | Promontory Interfinancial Network, Llc | Method, system and computer program product for managing funds in custodial deposit accounts |
US8234188B1 (en) | 2009-04-07 | 2012-07-31 | Promontory Interfinancial Network, Llc | Method, system and computer program product for managing funds in custodial deposit accounts |
US9811811B1 (en) | 2009-05-26 | 2017-11-07 | Island Intellectual Property Llc | Method and system for allocating deposits over a plurality of depository institutions |
US11367138B1 (en) | 2009-05-26 | 2022-06-21 | Island Intellectual Property Llc | Method and system for allocating deposits over a plurality of depository institutions |
US9430798B1 (en) | 2009-05-26 | 2016-08-30 | Island Intellectual Propery Llc | Method and system for allocating deposits over a plurality of depository institutions |
US9607335B1 (en) | 2009-05-26 | 2017-03-28 | Island Intellectual Property, Llc | Method and system for allocating deposits over a plurality of depository institutions |
US9946997B1 (en) | 2009-05-26 | 2018-04-17 | Island Intellectual Property Llc | Method and system for allocating deposits over a plurality of depository institutions |
US8781931B1 (en) | 2009-05-26 | 2014-07-15 | Island Intellectual Property Llc | Method and system for allocating deposits over a plurality of depository institutions |
US10552910B1 (en) | 2009-05-26 | 2020-02-04 | Island Intellectual Property Llc | Method and system for allocating deposits over a plurality of depository institutions |
US8521569B1 (en) | 2009-11-24 | 2013-08-27 | Island Intellectual Property Llc | Method and system for allocating funds over a plurality of time deposit instruments in depository institutions |
US8719062B1 (en) | 2009-11-24 | 2014-05-06 | Island Intellectual Property Llc | Method and system for allocating funds over a plurality of time deposit instruments in depository institutions |
US10068294B1 (en) | 2009-11-24 | 2018-09-04 | Island Intellectual Property Llc | Method and system for allocating funds over a plurality of time deposit instruments in depository institutions |
US8589289B1 (en) | 2010-06-14 | 2013-11-19 | Island Intellectual Property Llc | System, method and program product for administering fund movements |
US8458089B1 (en) | 2010-06-14 | 2013-06-04 | Island Intellectual Property Llc | System, method and program product for administering fund movements using depository institution groups |
US8583545B1 (en) | 2010-09-20 | 2013-11-12 | Island Intellectual Property Llc | Systems and methods for money fund banking with flexible interest allocation |
US8452702B1 (en) | 2011-09-08 | 2013-05-28 | Island Intellectual Property Llc | System, method and program product for minimizing fund movements |
US8655689B1 (en) | 2011-10-13 | 2014-02-18 | Island Intellectual Property Llc | System, method and program product for modeling fund movements |
US20160063620A1 (en) * | 2012-03-01 | 2016-03-03 | Bruce E. McLean | System and method of facilitating payday loans |
US20230126190A1 (en) * | 2014-12-31 | 2023-04-27 | Wells Fargo Bank, N.A. | Computer system and method for brokerage incentive program |
US10134035B1 (en) | 2015-01-23 | 2018-11-20 | Island Intellectual Property, Llc | Invariant biohash security system and method |
US9965750B1 (en) | 2015-01-23 | 2018-05-08 | Island Intellectual Property, Llc | Notification system and method |
US9569773B1 (en) | 2015-01-23 | 2017-02-14 | Island Intellectual Property, Llc | Invariant biohash security system and method |
US9374370B1 (en) | 2015-01-23 | 2016-06-21 | Island Intellectual Property, Llc | Invariant biohash security system and method |
US9904914B1 (en) | 2015-01-23 | 2018-02-27 | Island Intellectual Property, Llc | Notification system and method |
US10623182B1 (en) | 2015-01-23 | 2020-04-14 | Island Intellectual Property, Llc | Invariant biohash security system and method |
US10832317B1 (en) | 2015-01-23 | 2020-11-10 | Island Intellectual Property, Llc | Systems, methods, and program products for performing deposit sweep transactions |
US9805344B1 (en) | 2015-01-23 | 2017-10-31 | Island Intellectual Property, Llc | Notification system and method |
US9483762B1 (en) | 2015-01-23 | 2016-11-01 | Island Intellectual Property, Llc | Invariant biohash security system and method |
US12051104B1 (en) | 2020-11-24 | 2024-07-30 | Island Intellectual Property, Llc | Systems, methods and program products for allocation to maximize insurance or maximize interest for client accounts |
Also Published As
Publication number | Publication date |
---|---|
US6374231B1 (en) | 2002-04-16 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
USRE43246E1 (en) | Money fund bank system | |
US7809640B1 (en) | Money fund banking system | |
US5878405A (en) | Pension planning and liquidity management system | |
US20180300811A1 (en) | Method and system of exchanging and deriving economic benefit from exchanging securities | |
US7716131B2 (en) | Money fund banking system with multiple banks and/or rates | |
US7672902B1 (en) | System and method for pre-funding interest for early termination of client account having funds in one or more aggregated accounts | |
US6108641A (en) | Integrated nested account financial system with medical savings subaccount | |
US8660920B2 (en) | Managed deposit program | |
US7395241B1 (en) | Consumer-directed financial transfers using automated clearinghouse networks | |
US20080052224A1 (en) | Method for guaranteeing a peer-to-peer loan | |
US20110258003A1 (en) | Advanced Messaging System and Method | |
US20040111370A1 (en) | Single source money management system | |
US20030167225A1 (en) | Favored client advance with audit protection method | |
US20140180919A1 (en) | Push Payment System and Method | |
US20060224480A1 (en) | Systems and methods for loan management with variable security arrangements | |
US20110112962A1 (en) | Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits | |
JP2003532212A (en) | Receivables web-based method and system | |
JP2003532229A (en) | Method and apparatus for managing receivables remittance processing | |
JP2003532228A (en) | Method and apparatus for managing receivables credit inquiry | |
JP2003532225A (en) | Accounts receivable management method and equipment | |
US7398245B1 (en) | Systems and methods for providing loan management from cash or deferred income arrangements | |
EP0867009A1 (en) | Apparatus and accompanying methods for automatically modifying a financial portfolio through dynamic re-weighting based on a non-constant function of current capitalization weights | |
US7302413B1 (en) | Systems and methods for providing loan management from cash or deferred income arrangements | |
EP1234266A2 (en) | Method and apparatus for aggregated securities brokerage service | |
US20100114749A1 (en) | Financial Inclusion Card, System, and Method for Implementing |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
FPAY | Fee payment |
Year of fee payment: 12 |