US Patent No: 5,826,243

Number of patents in Portfolio can not be more than 2000

Integrated system for controlling master account and nested subaccount(s)

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Abstract

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Data processing for an improved securities brokerage/cash management system which supervises, implements and coordinates a composite account having a master account and one or more subaccount(s). The nested subaccounts incorporate a subset of features corresponding to the specific needs dictated by the purpose of the subaccount and thus streamline system operation for the recordkeeper.

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Patent Owner(s)

Patent OwnerAddressTotal Patents
BANK OF AMERICA CORPORATIONCHARLOTTE, NC702

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Musmanno, Thomas Warren, NJ 3 604
Ur, Kelly E. Brunswick, NJ 3 604

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Patent Info (Count) # Cites Year
 
ISLAND INTELLECTUAL PROPERTY LLC (53)
7,752,129 Systems and methods for managing client accounts 43 2000
7,519,551 Systems and methods for administering return sweep accounts 57 2002
7,680,734 Money fund banking system 48 2002
7,536,350 Systems and methods for providing enhanced account management services for multiple banks 62 2003
7,509,286 Systems and methods for money fund banking with flexible interest allocation 100 2003
RE43246 Money fund bank system 19 2004
7,672,886 Systems and methods for managing client accounts 43 2005
8,150,766 System and method for investing public deposits 14 2006
7,752,107 System and method for managing aggregated accounts 43 2007
7,680,716 System and method for allocating excess funds in aggregated control account 45 2007
7,672,901 System and method for holdback procedure for after-hours transactions 45 2007
7,672,902 System and method for pre-funding interest for early termination of client account having funds in one or more aggregated accounts 47 2007
7,668,771 System and method for allocation to obtain zero activity in a selected aggregated account 44 2007
7,809,640 Money fund banking system 40 2007
7,769,688 Money fund banking system 40 2007
7,716,131 Money fund banking system with multiple banks and/or rates 42 2007
8,380,621 Systems, methods and program products for swap processing for uninsured accounts 12 2008
7,668,772 Systems and methods for money fund banking with flexible interest allocation 47 2008
8,032,456 System, methods and program products for processing for a self clearing broker dealer 34 2008
8,355,985 Systems and methods for providing enhanced account management services for multiple banks 12 2009
8,290,859 Systems and methods for providing enhanced account management services for multiple banks 13 2009
8,290,860 Systems and methods for providing enhanced account management services for multiple banks 13 2009
7,933,821 Systems and methods for administering return sweep accounts 38 2009
8,560,442 Systems and methods for providing enhanced account management services for multiple banks 0 2009
8,498,933 Systems and methods for providing enhanced account management services for multiple banks 2 2009
8,401,962 Systems and methods for providing enhanced account management services for multiple banks 12 2009
8,290,861 Systems and methods for providing enhanced account management services for multiple banks 13 2009
8,386,383 Money fund banking system with multiple banks and/or rates 8 2009
8,019,667 Systems and methods for money fund banking with flexible interest allocation 35 2010
8,019,668 System and method for allocation to obtain zero activity in a selected aggregated account with holdback 33 2010
8,311,939 Method and system for allocating deposits over a plurality of depository institutions 13 2010
8,352,342 Method and system for determining fees for deposits allocated over a plurality of deposit institutions 14 2010
7,996,308 System and method for managing aggregated accounts 31 2010
8,370,236 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 12 2010
8,260,705 Systems, methods and program products for deposit and withdrawal processing 13 2010
8,589,289 System, method and program product for administering fund movements 0 2011
8,458,089 System, method and program product for administering fund movements using depository institution groups 5 2011
8,311,916 Systems and methods for administering return sweep accounts 13 2011
8,260,697 Systems and methods for money fund banking with flexible interest allocation 14 2011
8,239,321 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 15 2011
8,452,702 System, method and program product for minimizing fund movements 5 2011
8,583,545 Systems and methods for money fund banking with flexible interest allocation 0 2011
8,359,267 System and method for investing public deposits 7 2011
8,386,382 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 7 2012
8,688,577 Systems, methods and program products for deposit and withdrawal processing 0 2012
8,566,200 Systems and methods for money fund banking with flexible interest allocation 0 2012
8,566,201 Systems and methods for money fund banking with flexible interest allocation 0 2012
8,655,689 System, method and program product for modeling fund movements 0 2012
8,612,324 Systems and methods for administering return sweep accounts 0 2012
8,521,569 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions 0 2013
8,571,960 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts 0 2013
8,571,984 Systems and methods for providing enhanced account management services for multiple banks 0 2013
8,606,676 System and method for allocating excess funds in control account 0 2013
 
JPMORGAN CHASE BANK, N.A. (48)
7,433,829 System and method for managing global risk 7 2001
7,809,641 System and method for funding a collective account 8 2002
7,860,789 Multiple account advanced payment card and method of routing card transactions 10 2002
7,801,816 System and method for currency selectable stored value instrument 1 2003
8,239,304 Method and system for providing pre-approved targeted products 1 2003
7,676,425 Method and system for providing flexible financing 19 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 1 2003
7,953,663 System and method for financial instrument pre-qualification and offering 4 2003
7,809,595 System and method for managing risks associated with outside service providers 6 2003
7,707,111 Customer activated multi-value (CAM) card 27 2004
7,363,273 Debit purchasing of stored value card for use by and/or delivery to others 16 2004
7,660,763 Customer activated multi-value (CAM) card 17 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 64 2005
7,801,799 Customer activated multi-value (CAM) card 3 2005
7,941,355 Universal payment protection 3 2006
7,809,642 Debit purchasing of stored value card for use by and/or delivery to others 4 2006
7,591,416 Selectable multi-purpose card 39 2006
7,784,682 System and method for granting promotional rewards to both customers and non-customers 3 2006
7,505,918 Method and system for managing risks 3 2006
7,753,259 System and method for granting promotional rewards to both customers and non-customers 28 2006
7,357,331 Selectable multi-purpose card 46 2006
7,603,283 Method and system for managing risk 4 2007
7,818,253 Debit purchasing of stored value card for use by and/or delivery to others 5 2007
8,020,754 System and method for funding a collective account by use of an electronic tag 3 2007
8,417,601 Variable rate payment card 0 2007
8,033,451 System and method for funding a collective account by use of an electronic tag 0 2007
7,809,643 Debit purchasing of stored value card for use by and/or delivery to others 4 2007
8,676,642 System and method for granting promotional rewards to financial account holders 0 2008
8,533,111 System and method for providing promotional pricing 0 2008
7,890,422 Multiple account advanced payment card and method of routing card transactions 14 2008
8,245,909 Method and system for implementing a card product with multiple customized relationships 2 2008
D602522 Transaction device 34 2008
8,554,652 System and method for providing borrowing schemes 0 2009
8,078,528 System and method for providing borrowing schemes 9 2009
7,926,711 System and method for granting promotional rewards to both customers and non-customers 7 2009
8,190,522 System and method for providing borrowing schemes 1 2009
8,408,455 System and method for granting promotional rewards to both customers and non-customers 0 2009
8,447,670 Universal payment protection 0 2009
8,095,459 Method and system for providing flexible financing 1 2010
8,005,756 Debit purchasing of stored value card for use by and/or delivery to others 1 2010
8,145,549 System and method for offering risk-based interest rates in a credit instutment 2 2010
8,517,258 System and method for granting promotional rewards to both customers and non-customers 0 2011
8,473,395 Universal payment protection 0 2011
8,447,672 Universal payment protection 0 2011
8,515,868 Multiple account advanced payment card and method of routing card transactions 0 2011
8,538,876 System and method for providing borrowing schemes 0 2012
8,469,265 Method and system for implementing a card product with multiple customized relationships 0 2012
8,533,086 Variable rate payment card 0 2013
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (43)
7,783,566 Consolidated payment account system and method 6 2002
8,429,041 Systems and methods for managing account information lifecycles 0 2003
8,543,423 Method and apparatus for enrolling with multiple transaction environments 0 2003
7,306,158 Clear contactless card 6 2003
7,925,535 System and method for securing RF transactions using a radio frequency identification device including a random number generator 2 2004
7,542,942 System and method for securing sensitive information during completion of a transaction 13 2004
7,503,480 Method and system for tracking user performance 5 2004
7,463,133 Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts 2 2004
7,835,960 System for facilitating a transaction 7 2004
7,363,504 Method and system for keystroke scan recognition biometrics on a smartcard 35 2004
7,341,181 Method for biometric security using a smartcard 37 2004
7,325,724 Method for registering a biometric for use with a smartcard 36 2004
7,318,550 Biometric safeguard method for use with a smartcard 50 2004
7,314,164 System for biometric security using a smartcard 39 2004
7,314,165 Method and system for smellprint recognition biometrics on a smartcard 36 2004
7,768,379 Method and system for a travel-related multi-function fob 0 2004
7,762,457 System and method for dynamic fob synchronization and personalization 2 2004
7,587,756 Methods and apparatus for a secure proximity integrated circuit card transactions 8 2004
7,805,378 System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions 1 2004
7,996,324 Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia 7 2004
8,635,131 System and method for managing a transaction protocol 0 2004
7,429,927 System and method for providing and RFID transaction device 3 2005
7,543,738 System and method for secure transactions manageable by a transaction account provider 15 2005
7,650,314 System and method for securing a recurrent billing transaction 1 2005
8,001,054 System and method for generating an unpredictable number using a seeded algorithm 4 2006
7,451,924 System for biometric security using a smartcard 7 2007
7,451,925 System for biometric security using a smartcard 5 2007
7,445,149 System for biometric security using a smartcard 2 2007
7,438,234 System for biometric security using a smartcard 10 2007
7,533,827 Smartcard transaction method and system using signature recognition 3 2007
7,530,493 Smartcard transaction method and system using iris scan recognition 3 2007
7,523,860 Smartcard transaction method and system using facial scan recognition 5 2007
7,510,115 Smartcard transaction method and system using auditory scan recognition 3 2007
7,506,806 Smartcard transaction method and system using fingerprint recognition 32 2007
7,497,375 Smartcard transaction method and system using smellprint recognition 3 2007
7,494,058 Smartcard transaction method and system using voiceprint recognition 11 2007
7,597,265 Method and system for vascular scan recognition with a smartcard 7 2007
7,594,612 Smartcard transaction method and system using retinal scan recognition 5 2007
7,694,876 Method and system for tracking user performance 1 2008
7,793,845 Smartcard transaction system and method 2 2009
8,504,474 Consolidated payment account system and method 0 2010
8,016,191 Smartcard transaction system and method 11 2010
8,360,322 System and method of a smartcard transaction with biometric scan recognition 0 2011
 
XATRA FUND MX, LLC (27)
7,889,052 Authorizing payment subsequent to RF transactions 3 2003
7,668,750 Securing RF transactions using a transactions counter 1 2004
8,548,927 Biometric registration for facilitating an RF transaction 0 2004
7,360,689 Method and system for proffering multiple biometrics for use with a FOB 12 2004
7,303,120 System for biometric security using a FOB 47 2004
7,172,112 Public/private dual card system and method 47 2004
7,639,116 Converting account data associated with a radio frequency device 1 2004
6,991,157 System and method for re-associating an account number to another transaction account 30 2004
7,119,659 Systems and methods for providing a RF transaction device for use in a private label transaction 47 2004
7,705,732 Authenticating an RF transaction using a transaction counter 8 2004
7,746,215 RF transactions using a wireless reader grid 1 2005
8,294,552 Facial scan biometrics on a payment device 0 2007
8,074,889 System for biometric security using a fob 3 2007
7,988,038 System for biometric security using a fob 4 2007
7,814,332 Voiceprint biometrics on a payment device 8 2007
7,637,434 Registering a biometric for radio frequency transactions 1 2007
7,578,448 Authorizing radio frequency transactions using a keystroke scan 1 2007
7,506,818 Biometrics for radio frequency payment transactions 8 2007
7,500,616 Authenticating fingerprints for radio frequency payment transactions 7 2007
8,289,136 Hand geometry biometrics on a payment device 0 2007
8,284,025 Method and system for auditory recognition biometrics on a FOB 0 2007
8,279,042 Iris scan biometrics on a payment device 2 2007
7,690,577 Registering a biometric for radio frequency transactions 3 2007
7,506,819 Biometric security using a fob 9 2007
RE43157 System and method for reassociating an account number to another transaction account 5 2008
7,886,157 Hand geometry recognition biometrics on a fob 0 2008
RE43460 Public/private dual card system and method 0 2009
 
CASHEDGE, INC. (14)
7,797,207 Method and apparatus for analyzing financial data 39 2000
7,383,223 Method and apparatus for managing multiple accounts 85 2000
8,249,983 Method and apparatus for managing transactions 0 2001
7,203,845 Multiple trust modes for handling data 38 2002
8,086,508 Method and apparatus for delegating authority 27 2002
7,536,340 Compliance monitoring method and apparatus 35 2003
7,873,677 Method and apparatus for retrieving and processing data 29 2005
7,505,937 Method and apparatus for implementing financial transactions 34 2007
7,321,874 Method and apparatus for implementing financial transactions 72 2007
7,321,875 Method and apparatus for implementing financial transactions 65 2007
7,657,761 Multiple trust modes for handling data 31 2007
8,266,065 Method and apparatus for managing transactions 0 2007
8,255,336 Method and apparatus for managing transactions 0 2007
8,229,850 Method and apparatus for managing transactions 1 2007
 
BANK OF AMERICA CORPORATION (9)
6,173,270 Stock option control and exercise system 141 1997
6,026,438 Dynamic workstation configuration processor 89 1997
6,108,641 Integrated nested account financial system with medical savings subaccount 235 1998
6,473,807 System for invocation of CICS programs as database stored procedures 15 1998
6,269,346 Stock option control and exercise system 77 1999
7,212,993 Security receipts management system 20 2000
7,133,840 Integrated nested account financial system with medical savings subaccount 75 2000
7,702,527 Techniques for illustrating and analyzing long term health care expenses 5 2001
7,970,675 Security receipts management system 0 2007
 
FIRST DATA CORPORATION (8)
7,340,423 Method for defining a relationship between an account and a group 6 1999
7,076,465 Methods for processing a group of accounts corresponding to different products 50 1999
7,050,996 Method for linking accounts corresponding to different products together to create a group 59 1999
6,993,510 System and method for managing accounts 21 2002
7,316,350 Multi-purse card system and methods 7 2003
7,949,594 Systems and methods for participant controlled communications regarding financial accounts 0 2003
8,606,631 Chasing rewards associated with accounts 0 2007
8,073,736 Systems and methods for redeeming rewards associated with accounts 0 2007
 
ORBIS PATENTS LTD. (8)
7,571,142 Credit card system and method 19 2000
7,433,845 Data structure, method and system for generating person-to-person, person-to-business, business-to-person, and business-to-business financial transactions 74 2000
7,136,835 Credit card system and method 84 2000
7,593,896 Credit card system and method 14 2000
7,567,934 Credit card system and method 22 2002
8,527,416 Business-to-business commerce using financial transaction numbers 0 2008
8,676,707 Credit cards system and method having additional features 0 2008
7,895,122 Person-to-person, person-to business and business-to-business financial transaction system 13 2008
 
MARKET SHIELD CAPITAL, LLC (6)
7,155,468 Common index securities 15 2004
7,716,106 Common index securities 2 2006
8,468,079 Index-based liquidity system and method 0 2008
8,082,202 Market-indexed mortgage system and method 2 2009
8,346,654 Indexed payment stream system and method 0 2010
8,484,117 Multi-input system that makes index-based adjustments 0 2010
 
TCF Financial Corporation (5)
7,398,919 Transaction card system and approach 42 2004
7,594,606 Transaction card system and approach 3 2008
7,930,229 Debit card billing system and method 0 2009
7,912,774 Transaction card system and approach 0 2009
8,600,891 Systems, approaches and methods involving deferring debit payment for debit-card transactions 0 2009
 
TRADEWEB MARKETS LLC (5)
7,433,842 Method and system for effecting straight-through-processing of trades of various financial instruments 8 2004
7,734,518 Method and system for effecting straight-through-processing of trades of various financial instruments 5 2005
7,769,678 Method and system for effecting straight-through-processing of trades of various financial instruments 0 2008
7,756,777 Method and system for administering prime brokerage 1 2008
7,882,019 Method and system for effecting straight-through-processing of trades of various financial instruments 1 2010
 
ANOVA FINANCIAL CORPORATION (4)
7,904,372 Methods and systems for facilitating transactions between commercial banks and pooled depositor groups 29 2003
7,895,099 Methods and systems for facilitating transactions between commercial banks and pooled depositor groups 28 2004
8,090,651 Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits 27 2010
8,301,560 Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits 0 2011
 
EBAY INC. (4)
7,945,512 Spending and savings secondary linked accounts 16 2007
8,626,650 Gradual conversion of financial accounts 0 2008
8,249,986 Methods and systems of controlling activities of financial accounts 2 2008
8,484,127 System and method for managing allocation of funds between a plurality of entities 0 2009
 
OLTINE ACQUISITIONS NY L.L.C. (4)
7,905,399 Linking transaction cards with spending accounts 1 2006
7,922,083 Payment programs for healthcare plans 5 2006
7,590,557 Healthcare card incentive program for multiple users 9 2006
7,949,543 Methods, systems, and computer program products for promoting healthcare information technologies to card members 0 2007
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (4)
7,451,134 Method and apparatus for facilitating data management over a network 11 2005
8,170,932 System and method for data management and financial transaction categorization 3 2008
8,639,622 Budget management system and method 0 2010
8,620,780 System and method for data management and financial transaction categorization 0 2012
 
BROADRIDGE SECURITIES PROCESSING SOLUTIONS, INC. (3)
7,689,489 Methods and systems for assisting financial services firms and their representatives 6 2001
7,653,564 Methods and systems for providing a measure of supervision over the activities of representatives of a business 1 2001
7,349,865 Methods and systems for monitoring the efficacy of a marketing project 3 2001
 
GOLDMAN, SACHS & CO. (3)
7,236,955 Method for structuring a transaction 23 2001
7,310,616 Method for structuring a transaction 23 2002
8,600,853 Method for structuring a transaction 0 2007
 
INTERTAINER, INC. (3)
7,870,592 Method for interactive video content programming 18 2001
8,468,099 Digital entertainment service platform 0 2009
8,479,246 System and method for interactive video content programming 0 2012
 
THE WESTERN UNION COMPANY (3)
8,015,085 System for distributing funds 26 2004
7,933,835 Secure money transfer systems and methods using biometric keys associated therewith 3 2007
8,504,473 Money transfer system and messaging system 1 2007
 
E*TRADE FINANCIAL CORPORATION (2)
7,778,913 Online trading system having real-time account opening 2 2001
8,538,857 Online trading system having real-time account opening 0 2010
 
GENERAL ELECTRIC CAPITAL CORPORATION (2)
6,915,277 Method for dual credit card system 66 2000
7,774,274 Payment card processing system and methods 6 2003
 
GOLDENSOURCE CORPORATION (2)
6,513,019 Financial consolidation and communication platform 275 1999
7,310,615 Financial data reporting system with alert notification feature and free-form searching capability 26 2002
 
Money Network Financial, LLC (2)
8,365,987 Pre-allocated negotiable instrument and presentation instrument purchasing and activation systems and methods 0 2007
8,286,860 Negotiable instrument to presentation instrument value porting systems and methods 0 2007
 
SCIAC INVESTMENT LTD. (2)
8,165,941 Method and system for integrating savings and credits with different interest rates 1 2009
8,374,936 Method and system for integrating savings and credits with different interest rates 0 2012
 
THIRD ACT LLC (2)
7,143,064 Controlled entertainment spending account 14 2001
7,653,595 Controlled entertainment spending account 0 2006
 
AT&T CORP. (1)
5,950,174 Affiliation-based arrangement for billing 132 1997
 
BLACKROCK, INC. (1)
7,403,918 Investment portfolio compliance system 7 2002
 
CAPSEN TRANSFER AG, LLC (1)
7,184,979 Dual accounts banking system 15 2000
 
CHASE BANK USA, NATIONAL ASSOCIATION (1)
7,747,463 Debit purchasing of stored value card for use by and/or delivery to others 19 2008
 
CHECKFREE SERVICES CORPORATION (1)
8,620,782 Inter-network electronic billing 0 2009
 
CISCO TECHNOLOGY, INC. (1)
7,774,483 Supporting a community of subscribers in an environment using a service selection gateway (SSG) 3 2002
 
CITIBANK, N.A. (1)
7,092,905 Systems and methods for the processing of financial transactions 62 2001
 
FISERV, INC. (1)
8,626,659 Facilitating presentation of content relating to a financial transaction 0 2012
 
GTX CORPORATION (1)
7,676,432 Methods and apparatus for transacting electronic commerce using account hierarchy and locking of accounts 4 2003
 
LEVENSON, JAY (1)
7,840,495 System and method for the payment and accounting of petty disbursements 0 2001
 
MACROMARKETS LLC (1)
6,513,020 Proxy asset data processor 84 1999
 
Moebs $ervices, Inc. (1)
8,533,084 Risk identification system and methods 0 2012
 
Moebs Services, Inc. (1)
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Newdea Inc. (1)
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Obis Patents Ltd. (1)
6,636,833 Credit card system and method 206 1999
 
Oltine Acquistitions NY LLC (1)
7,970,626 Facilitating payments to health care providers 1 2005
 
OneCore Financial Network, Inc. (1)
6,606,606 Systems and methods for performing integrated financial transaction 188 1999
 
RESERVE MANAGEMENT CORPORATION (1)
6,374,231 Money fund banking system 111 1998
 
SONY CORPORATION (1)
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UNITED PARCEL SERVICE OF AMERICA, INC. (1)
7,577,598 Account opening facilitation system, method and computer program product 3 2002
 
VANTEQ, INC. (1)
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Other [Check patent profile for assignment information] (8)
7,840,486 System and method for performing secure credit card purchases 15 2005
8,095,393 Method and system for automated processing of insurance information 0 2006
7,945,506 Transaction and account management system 2 2009
8,036,988 System and method for performing secure credit card transactions 2 2010
8,112,352 Electronic system and method for executing a trade 0 2011
8,326,742 Programmed trading system 0 2012
8,326,744 Electronic transaction system and method 0 2012
8,577,789 Electronic transaction processor system 0 2012