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)
Stats
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Oct 20, 1998
Issued date -
Jan 3, 1994
filing date -
08/176,207
serial no -
In Force
status
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Abstract
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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First Claim
Related Publications
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- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
| Patent Owner | Address | Total Patents |
|---|---|---|
| BANK OF AMERICA CORPORATION | CHARLOTTE, NC | 449 |
International Classification(s)
- [Classification Symbol]
- [Patents Count]
Inventor(s)
| Inventor Name | Address | # of filed Patents | Total Citations |
|---|---|---|---|
| Musmanno, Thomas | Warren, NJ | 3 | 496 |
| Ur, Kelly | E. Brunswick, NJ | 3 | 496 |
Cited Art
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Patent Citation Ranking
Forward Cites
| Patent Info | (Count) | # Cites | Year |
|---|---|---|---|
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| 7,783,566 Consolidated payment account system and method | 1 | 2002 | |
| 8,429,041 Systems and methods for managing account information lifecycles | 0 | 2003 | |
| 7,306,158 Clear contactless card | 4 | 2003 | |
| 7,925,535 System and method for securing RF transactions using a radio frequency identification device including a random number generator | 1 | 2004 | |
| 7,542,942 System and method for securing sensitive information during completion of a transaction | 8 | 2004 | |
| 7,503,480 Method and system for tracking user performance | 4 | 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 | 5 | 2004 | |
| 7,363,504 Method and system for keystroke scan recognition biometrics on a smartcard | 34 | 2004 | |
| 7,341,181 Method for biometric security using a smartcard | 34 | 2004 | |
| 7,325,724 Method for registering a biometric for use with a smartcard | 35 | 2004 | |
| 7,318,550 Biometric safeguard method for use with a smartcard | 48 | 2004 | |
| 7,314,164 System for biometric security using a smartcard | 35 | 2004 | |
| 7,314,165 Method and system for smellprint recognition biometrics on a smartcard | 34 | 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 | 3 | 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 | 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 | 11 | 2005 | |
| 7,650,314 System and method for securing a recurrent billing transaction | 0 | 2005 | |
| 8,001,054 System and method for generating an unpredictable number using a seeded algorithm | 2 | 2006 | |
| 7,451,924 System for biometric security using a smartcard | 5 | 2007 | |
| 7,451,925 System for biometric security using a smartcard | 3 | 2007 | |
| 7,445,149 System for biometric security using a smartcard | 0 | 2007 | |
| 7,438,234 System for biometric security using a smartcard | 5 | 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 | 3 | 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 | 25 | 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 | 4 | 2007 | |
| 7,597,265 Method and system for vascular scan recognition with a smartcard | 6 | 2007 | |
| 7,594,612 Smartcard transaction method and system using retinal scan recognition | 4 | 2007 | |
| 7,694,876 Method and system for tracking user performance | 1 | 2008 | |
| 7,793,845 Smartcard transaction system and method | 2 | 2009 | |
| 8,016,191 Smartcard transaction system and method | 3 | 2010 | |
| 8,360,322 System and method of a smartcard transaction with biometric scan recognition | 0 | 2011 | |
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| 7,752,129 Systems and methods for managing client accounts | 26 | 2000 | |
| 7,519,551 Systems and methods for administering return sweep accounts | 40 | 2002 | |
| 7,680,734 Money fund banking system | 30 | 2002 | |
| 7,536,350 Systems and methods for providing enhanced account management services for multiple banks | 42 | 2003 | |
| 7,509,286 Systems and methods for money fund banking with flexible interest allocation | 73 | 2003 | |
| RE43246 Money fund bank system | 6 | 2004 | |
| 7,672,886 Systems and methods for managing client accounts | 27 | 2005 | |
| 8,150,766 System and method for investing public deposits | 1 | 2006 | |
| 7,752,107 System and method for managing aggregated accounts | 26 | 2007 | |
| 7,680,716 System and method for allocating excess funds in aggregated control account | 28 | 2007 | |
| 7,672,901 System and method for holdback procedure for after-hours transactions | 28 | 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 | 30 | 2007 | |
| 7,668,771 System and method for allocation to obtain zero activity in a selected aggregated account | 27 | 2007 | |
| 7,809,640 Money fund banking system | 24 | 2007 | |
| 7,769,688 Money fund banking system | 24 | 2007 | |
| 7,716,131 Money fund banking system with multiple banks and/or rates | 26 | 2007 | |
| 8,380,621 Systems, methods and program products for swap processing for uninsured accounts | 0 | 2008 | |
| 7,668,772 Systems and methods for money fund banking with flexible interest allocation | 29 | 2008 | |
| 8,032,456 System, methods and program products for processing for a self clearing broker dealer | 19 | 2008 | |
| 8,355,985 Systems and methods for providing enhanced account management services for multiple banks | 0 | 2009 | |
| 8,290,859 Systems and methods for providing enhanced account management services for multiple banks | 0 | 2009 | |
| 8,290,860 Systems and methods for providing enhanced account management services for multiple banks | 0 | 2009 | |
| 7,933,821 Systems and methods for administering return sweep accounts | 24 | 2009 | |
| 8,401,962 Systems and methods for providing enhanced account management services for multiple banks | 0 | 2009 | |
| 8,290,861 Systems and methods for providing enhanced account management services for multiple banks | 0 | 2009 | |
| 8,386,383 Money fund banking system with multiple banks and/or rates | 0 | 2009 | |
| 8,019,667 Systems and methods for money fund banking with flexible interest allocation | 18 | 2010 | |
| 8,019,668 System and method for allocation to obtain zero activity in a selected aggregated account with holdback | 18 | 2010 | |
| 8,311,939 Method and system for allocating deposits over a plurality of depository institutions | 0 | 2010 | |
| 8,352,342 Method and system for determining fees for deposits allocated over a plurality of deposit institutions | 0 | 2010 | |
| 7,996,308 System and method for managing aggregated accounts | 18 | 2010 | |
| 8,370,236 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions | 0 | 2010 | |
| 8,260,705 Systems, methods and program products for deposit and withdrawal processing | 0 | 2010 | |
| 8,311,916 Systems and methods for administering return sweep accounts | 0 | 2011 | |
| 8,260,697 Systems and methods for money fund banking with flexible interest allocation | 0 | 2011 | |
| 8,239,321 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts | 0 | 2011 | |
| 8,359,267 System and method for investing public deposits | 0 | 2011 | |
| 8,386,382 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts | 0 | 2012 | |
|
|
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| 7,433,829 System and method for managing global risk | 5 | 2001 | |
| 7,809,641 System and method for funding a collective account | 7 | 2002 | |
| 7,860,789 Multiple account advanced payment card and method of routing card transactions | 6 | 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 | 13 | 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 | 3 | 2003 | |
| 7,809,595 System and method for managing risks associated with outside service providers | 3 | 2003 | |
| 7,707,111 Customer activated multi-value (CAM) card | 20 | 2004 | |
| 7,363,273 Debit purchasing of stored value card for use by and/or delivery to others | 14 | 2004 | |
| 7,660,763 Customer activated multi-value (CAM) card | 13 | 2005 | |
| 7,401,731 Method and system for implementing a card product with multiple customized relationships | 44 | 2005 | |
| 7,801,799 Customer activated multi-value (CAM) card | 2 | 2005 | |
| 7,941,355 Universal payment protection | 2 | 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 | 27 | 2006 | |
| 7,784,682 System and method for granting promotional rewards to both customers and non-customers | 2 | 2006 | |
| 7,505,918 Method and system for managing risks | 2 | 2006 | |
| 7,753,259 System and method for granting promotional rewards to both customers and non-customers | 14 | 2006 | |
| 7,357,331 Selectable multi-purpose card | 37 | 2006 | |
| 7,603,283 Method and system for managing risk | 3 | 2007 | |
| 7,818,253 Debit purchasing of stored value card for use by and/or delivery to others | 3 | 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 | 3 | 2007 | |
| 7,890,422 Multiple account advanced payment card and method of routing card transactions | 9 | 2008 | |
| 8,245,909 Method and system for implementing a card product with multiple customized relationships | 1 | 2008 | |
| D602522 Transaction device | 29 | 2008 | |
| 8,078,528 System and method for providing borrowing schemes | 3 | 2009 | |
| 7,926,711 System and method for granting promotional rewards to both customers and non-customers | 3 | 2009 | |
| 8,190,522 System and method for providing borrowing schemes | 0 | 2009 | |
| 8,408,455 System and method for granting promotional rewards to both customers and non-customers | 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 | 0 | 2010 | |
| 8,145,549 System and method for offering risk-based interest rates in a credit instutment | 2 | 2010 | |
|
|
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| 7,889,052 Authorizing payment subsequent to RF transactions | 1 | 2003 | |
| 7,668,750 Securing RF transactions using a transactions counter | 0 | 2004 | |
| 7,360,689 Method and system for proffering multiple biometrics for use with a FOB | 9 | 2004 | |
| 7,303,120 System for biometric security using a FOB | 43 | 2004 | |
| 7,172,112 Public/private dual card system and method | 41 | 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 | 25 | 2004 | |
| 7,119,659 Systems and methods for providing a RF transaction device for use in a private label transaction | 38 | 2004 | |
| 7,705,732 Authenticating an RF transaction using a transaction counter | 4 | 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 | 2 | 2007 | |
| 7,988,038 System for biometric security using a fob | 0 | 2007 | |
| 7,814,332 Voiceprint biometrics on a payment device | 5 | 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 | 5 | 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 | 0 | 2007 | |
| 7,690,577 Registering a biometric for radio frequency transactions | 1 | 2007 | |
| 7,506,819 Biometric security using a fob | 6 | 2007 | |
| RE43157 System and method for reassociating an account number to another transaction account | 1 | 2008 | |
| 7,886,157 Hand geometry recognition biometrics on a fob | 0 | 2008 | |
| RE43460 Public/private dual card system and method | 0 | 2009 | |
|
|
|||
| 7,797,207 Method and apparatus for analyzing financial data | 18 | 2000 | |
| 7,383,223 Method and apparatus for managing multiple accounts | 59 | 2000 | |
| 8,249,983 Method and apparatus for managing transactions | 0 | 2001 | |
| 7,203,845 Multiple trust modes for handling data | 18 | 2002 | |
| 8,086,508 Method and apparatus for delegating authority | 12 | 2002 | |
| 7,536,340 Compliance monitoring method and apparatus | 15 | 2003 | |
| 7,873,677 Method and apparatus for retrieving and processing data | 11 | 2005 | |
| 7,505,937 Method and apparatus for implementing financial transactions | 14 | 2007 | |
| 7,321,874 Method and apparatus for implementing financial transactions | 42 | 2007 | |
| 7,321,875 Method and apparatus for implementing financial transactions | 38 | 2007 | |
| 7,657,761 Multiple trust modes for handling data | 13 | 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 | 0 | 2007 | |
|
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| 6,173,270 Stock option control and exercise system | 108 | 1997 | |
| 6,026,438 Dynamic workstation configuration processor | 70 | 1997 | |
| 6,108,641 Integrated nested account financial system with medical savings subaccount | 198 | 1998 | |
| 6,473,807 System for invocation of CICS programs as database stored procedures | 11 | 1998 | |
| 6,269,346 Stock option control and exercise system | 68 | 1999 | |
| 7,212,993 Security receipts management system | 17 | 2000 | |
| 7,133,840 Integrated nested account financial system with medical savings subaccount | 53 | 2000 | |
| 7,702,527 Techniques for illustrating and analyzing long term health care expenses | 1 | 2001 | |
| 7,970,675 Security receipts management system | 0 | 2007 | |
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| 7,340,423 Method for defining a relationship between an account and a group | 4 | 1999 | |
| 7,076,465 Methods for processing a group of accounts corresponding to different products | 34 | 1999 | |
| 7,050,996 Method for linking accounts corresponding to different products together to create a group | 43 | 1999 | |
| 6,993,510 System and method for managing accounts | 20 | 2002 | |
| 7,316,350 Multi-purse card system and methods | 6 | 2003 | |
| 7,949,594 Systems and methods for participant controlled communications regarding financial accounts | 0 | 2003 | |
| 8,073,736 Systems and methods for redeeming rewards associated with accounts | 0 | 2007 | |
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| 7,571,142 Credit card system and method | 13 | 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 | 49 | 2000 | |
| 7,136,835 Credit card system and method | 71 | 2000 | |
| 7,593,896 Credit card system and method | 8 | 2000 | |
| 7,567,934 Credit card system and method | 16 | 2002 | |
| 7,895,122 Person-to-person, person-to business and business-to-business financial transaction system | 10 | 2008 | |
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| 7,433,842 Method and system for effecting straight-through-processing of trades of various financial instruments | 5 | 2004 | |
| 7,734,518 Method and system for effecting straight-through-processing of trades of various financial instruments | 3 | 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 | 0 | 2008 | |
| 7,882,019 Method and system for effecting straight-through-processing of trades of various financial instruments | 0 | 2010 | |
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| 7,904,372 Methods and systems for facilitating transactions between commercial banks and pooled depositor groups | 14 | 2003 | |
| 7,895,099 Methods and systems for facilitating transactions between commercial banks and pooled depositor groups | 13 | 2004 | |
| 8,090,651 Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits | 12 | 2010 | |
| 8,301,560 Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits | 0 | 2011 | |
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| 7,155,468 Common index securities | 10 | 2004 | |
| 7,716,106 Common index securities | 1 | 2006 | |
| 8,082,202 Market-indexed mortgage system and method | 1 | 2009 | |
| 8,346,654 Indexed payment stream system and method | 0 | 2010 | |
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| 7,905,399 Linking transaction cards with spending accounts | 1 | 2006 | |
| 7,922,083 Payment programs for healthcare plans | 3 | 2006 | |
| 7,590,557 Healthcare card incentive program for multiple users | 6 | 2006 | |
| 7,949,543 Methods, systems, and computer program products for promoting healthcare information technologies to card members | 0 | 2007 | |
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| 7,398,919 Transaction card system and approach | 33 | 2004 | |
| 7,594,606 Transaction card system and approach | 2 | 2008 | |
| 7,930,229 Debit card billing system and method | 0 | 2009 | |
| 7,912,774 Transaction card system and approach | 0 | 2009 | |
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| 7,689,489 Methods and systems for assisting financial services firms and their representatives | 5 | 2001 | |
| 7,653,564 Methods and systems for providing a measure of supervision over the activities of representatives of a business | 0 | 2001 | |
| 7,349,865 Methods and systems for monitoring the efficacy of a marketing project | 2 | 2001 | |
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| 7,945,512 Spending and savings secondary linked accounts | 3 | 2007 | |
| 8,249,986 Methods and systems of controlling activities of financial accounts | 0 | 2008 | |
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|||
| 6,915,277 Method for dual credit card system | 58 | 2000 | |
| 7,774,274 Payment card processing system and methods | 4 | 2003 | |
|
|
|||
| 6,513,019 Financial consolidation and communication platform | 212 | 1999 | |
| 7,310,615 Financial data reporting system with alert notification feature and free-form searching capability | 19 | 2002 | |
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|||
| 7,236,955 Method for structuring a transaction | 17 | 2001 | |
| 7,310,616 Method for structuring a transaction | 17 | 2002 | |
|
|
|||
| 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 | |
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| 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 | |
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|||
| 8,015,085 System for distributing funds | 11 | 2004 | |
| 7,933,835 Secure money transfer systems and methods using biometric keys associated therewith | 1 | 2007 | |
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|||
| 7,143,064 Controlled entertainment spending account | 11 | 2001 | |
| 7,653,595 Controlled entertainment spending account | 0 | 2006 | |
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| 7,451,134 Method and apparatus for facilitating data management over a network | 6 | 2005 | |
| 8,170,932 System and method for data management and financial transaction categorization | 0 | 2008 | |
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| 5,950,174 Affiliation-based arrangement for billing | 115 | 1997 | |
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| 7,403,918 Investment portfolio compliance system | 5 | 2002 | |
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| 7,184,979 Dual accounts banking system | 11 | 2000 | |
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| 7,747,463 Debit purchasing of stored value card for use by and/or delivery to others | 9 | 2008 | |
|
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| 7,774,483 Supporting a community of subscribers in an environment using a service selection gateway (SSG) | 2 | 2002 | |
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| 7,092,905 Systems and methods for the processing of financial transactions | 46 | 2001 | |
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|||
| 7,778,913 Online trading system having real-time account opening | 2 | 2001 | |
|
|
|||
| 7,870,592 Method for interactive video content programming | 9 | 2001 | |
|
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| 6,513,020 Proxy asset data processor | 59 | 1999 | |
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| 7,676,408 Risk identification system and methods | 1 | 2004 | |
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|||
| 7,448,534 Philanthropy management apparatus, system, and methods of use and doing business | 4 | 2007 | |
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| 6,636,833 Credit card system and method | 177 | 1999 | |
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| 7,970,626 Facilitating payments to health care providers | 1 | 2005 | |
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| 6,606,606 Systems and methods for performing integrated financial transaction | 166 | 1999 | |
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|||
| 7,676,432 Methods and apparatus for transacting electronic commerce using account hierarchy and locking of accounts | 3 | 2003 | |
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| 6,374,231 Money fund banking system | 88 | 1998 | |
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| 8,090,764 Communication system, communication apparatus, communication method, storage medium, and package medium | 1 | 2002 | |
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|
|||
| 7,577,598 Account opening facilitation system, method and computer program product | 0 | 2002 | |
|
|
|||
| 7,089,202 Method and system for internet banking and financial services | 81 | 2000 | |
|
|
|||
| 7,840,495 System and method for the payment and accounting of petty disbursements | 0 | 2001 | |
| 7,840,486 System and method for performing secure credit card purchases | 11 | 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 | 1 | 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 | |
Maintenance Fees
| Fee | Large entity fee | small entity fee | micro entity fee | due date |
|---|
| Fee | Large entity fee | small entity fee | micro entity fee |
|---|---|---|---|
| Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
| Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |