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

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 5826243
SERIAL NO

08176207

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ATTORNEY / AGENT: (SPONSORED)

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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, NC1450

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Musmanno, Thomas Warren, NJ 3 709
Ur, Kelly East Brunswick, NJ 5 709

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Patent Info (Count) # Cites Year
 
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* 2008/0288,374 PHILANTHROPY MANAGEMENT APPARATUS, SYSTEM, AND METHODS OF USE AND DOING BUSINESS 4 2007
7448534 Philanthropy management apparatus, system, and methods of use and doing business 5 2007
* 2007/0198,372 PHILANTHROPY MANAGEMENT APPARATUS, SYSTEM, AND METHODS OF USE AND DOING BUSINESS 2 2007
* 2007/0136,147 PHILANTHROPY MANAGEMENT APPARATUS, SYSTEM, AND METHODS OF USE AND DOING BUSINESS 2 2007
 
Moebs $ervices, Inc. (1)
8533084 Risk identification system and methods 0 2012
 
III HOLDINGS 1, LLC (50)
8429041 Systems and methods for managing account information lifecycles 4 2003
8543423 Method and apparatus for enrolling with multiple transaction environments 0 2003
7306158 Clear contactless card 13 2003
7925535 System and method for securing RF transactions using a radio frequency identification device including a random number generator 3 2004
7542942 System and method for securing sensitive information during completion of a transaction 20 2004
7503480 Method and system for tracking user performance 9 2004
7463133 Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts 2 2004
7835960 System for facilitating a transaction 27 2004
8960535 Method and system for resource management and evaluation 0 2004
7363504 Method and system for keystroke scan recognition biometrics on a smartcard 39 2004
* 7341181 Method for biometric security using a smartcard 47 2004
* 7325724 Method for registering a biometric for use with a smartcard 42 2004
* 7318550 Biometric safeguard method for use with a smartcard 60 2004
7314164 System for biometric security using a smartcard 54 2004
* 7314165 Method and system for smellprint recognition biometrics on a smartcard 43 2004
* 2006/0016,875 METHOD FOR REGISTERING A BIOMETRIC FOR USE WITH A SMARTCARD 16 2004
* 2006/0016,877 BIOMETRIC SAFEGUARD METHOD WITH A SMARTCARD 34 2004
* 2006/0016,870 METHOD AND SYSTEM FOR SMELLPRINT RECOGNITION BIOMETRICS ON A SMARTCARD 3 2004
* 2006/0000,892 METHOD FOR BIOMETRIC SECURITY USING A SMARTCARD 10 2004
7768379 Method and system for a travel-related multi-function fob 1 2004
7762457 System and method for dynamic fob synchronization and personalization 5 2004
7587756 Methods and apparatus for a secure proximity integrated circuit card transactions 15 2004
7805378 System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions 16 2004
7996324 Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia 20 2004
8635131 System and method for managing a transaction protocol 0 2004
7429927 System and method for providing and RFID transaction device 3 2005
7543738 System and method for secure transactions manageable by a transaction account provider 27 2005
7650314 System and method for securing a recurrent billing transaction 22 2005
8001054 System and method for generating an unpredictable number using a seeded algorithm 17 2006
9031880 Systems and methods for non-traditional payment using biometric data 1 2006
7451924 System for biometric security using a smartcard 11 2007
7451925 System for biometric security using a smartcard 11 2007
* 2008/0011,830 SYSTEM FOR BIOMETRIC SECURITY USING A SMARTCARD 6 2007
* 2008/0010,214 SYSTEM FOR BIOMETRIC SECURITY USING A SMARTCARD 5 2007
7445149 System for biometric security using a smartcard 7 2007
7438234 System for biometric security using a smartcard 14 2007
7533827 Smartcard transaction method and system using signature recognition 4 2007
7530493 Smartcard transaction method and system using iris scan recognition 5 2007
7523860 Smartcard transaction method and system using facial scan recognition 14 2007
7510115 Smartcard transaction method and system using auditory scan recognition 4 2007
7506806 Smartcard transaction method and system using fingerprint recognition 44 2007
7497375 Smartcard transaction method and system using smellprint recognition 4 2007
7494058 Smartcard transaction method and system using voiceprint recognition 19 2007
7597265 Method and system for vascular scan recognition with a smartcard 9 2007
7594612 Smartcard transaction method and system using retinal scan recognition 8 2007
* 2008/0173,708 BIOMETRIC SAFEGUARD METHOD WITH A SMARTCARD 3 2007
7694876 Method and system for tracking user performance 9 2008
7793845 Smartcard transaction system and method 4 2009
8016191 Smartcard transaction system and method 30 2010
8360322 System and method of a smartcard transaction with biometric scan recognition 4 2011
 
The Royal Bank of Scotland, Intellectual Property Unit, Group Secretariat (1)
* 2011/0093,386 TRANSACTION SYSTEM AND METHOD 2 2009
 
INTERTAINER, INC. (4)
7870592 Method for interactive video content programming 51 2001
* 2002/0144,283 Content distribution system 76 2001
8468099 Digital entertainment service platform 3 2009
8479246 System and method for interactive video content programming 34 2012
 
Moebs Services, Inc. (1)
7676408 Risk identification system and methods 1 2004
 
Sciac Investment Ltd. (3)
8165941 Method and system for integrating savings and credits with different interest rates 1 2009
* 2010/0114,759 METHOD AND SYSTEM FOR INTEGRATING SAVINGS AND CREDITS WITH DIFFERENT INTEREST RATES 0 2009
8374936 Method and system for integrating savings and credits with different interest rates 2 2012
 
BANK RHODE ISLAND (1)
* 2005/0097,017 Financial funding system and methods 38 2004
 
Noland, Cathleen (2)
* 2006/0271,470 Method and system for internet banking and financial services 7 2006
* 2006/0271,465 Method and system for internet banking and financial services 8 2006
 
F. POSZAT HU, L.L.C. (1)
* 7184979 Dual accounts banking system 22 2000
 
AMERICAN EXPRESS COMPANY (1)
* 2007/0011,088 Assured Payments for Health Care Plans 10 2005
 
AT&T CORP. (1)
* 5950174 Affiliation-based arrangement for billing 156 1997
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
7783566 Consolidated payment account system and method 9 2002
* 2003/0023,549 Consolidated payment account system and method 130 2002
8504474 Consolidated payment account system and method 1 2010
 
TCF Financial Corporation (7)
7398919 Transaction card system and approach 49 2004
* 2006/0131,392 Transaction card system and approach 2 2004
7594606 Transaction card system and approach 3 2008
7930229 Debit card billing system and method 0 2009
7912774 Transaction card system and approach 0 2009
8600891 Systems, approaches and methods involving deferring debit payment for debit-card transactions 0 2009
* 2010/0001,068 Debit Card Billing System and Method Involving Multiple Accounts 0 2009
* Cited By Examiner