Systems and methods for providing enhanced account management services for multiple banks
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United States of America Patent
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Mar 19, 2013
Grant Date -
N/A
app pub date -
May 8, 2009
filing date -
Oct 21, 1998
priority date (Note) -
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Abstract
A deposit interchange system, method and program product for managing deposits and withdrawals among a plurality of financial institutions participating in a program, the system comprising: electronic databases, storing aggregated transaction account information; and client transaction account information for the respective client transaction accounts; computers with instructions: (a) receiving respective excess amount data, (b) allocating excess amounts between the financial institutions, comprising: (1) determining a respective primary client transaction account sum for the financial institutions; (2) comparing the primary client transaction account sum for the respective financial institution to fund balance in aggregated accounts of the financial institution to determine a surplus or a deficit for the financial institution; (3) allocating funds among the aggregated accounts in financial institutions to bring the balance of funds in the aggregated accounts in the financial institution into substantial equality with their respective primary client transaction account sum.
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