WO2003012580A3 - Method and apparatus for fully insuring large bank deposits - Google Patents

Method and apparatus for fully insuring large bank deposits Download PDF

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Publication number
WO2003012580A3
WO2003012580A3 PCT/US2002/023518 US0223518W WO03012580A3 WO 2003012580 A3 WO2003012580 A3 WO 2003012580A3 US 0223518 W US0223518 W US 0223518W WO 03012580 A3 WO03012580 A3 WO 03012580A3
Authority
WO
WIPO (PCT)
Prior art keywords
deposit
banks
member banks
interchange
service
Prior art date
Application number
PCT/US2002/023518
Other languages
French (fr)
Other versions
WO2003012580A2 (en
Inventor
Mark P Jacobsen
Original Assignee
Promontory Interfinancial Netw
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=27383108&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=WO2003012580(A3) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Promontory Interfinancial Netw filed Critical Promontory Interfinancial Netw
Priority to AU2002319682A priority Critical patent/AU2002319682A1/en
Publication of WO2003012580A2 publication Critical patent/WO2003012580A2/en
Publication of WO2003012580A3 publication Critical patent/WO2003012580A3/en

Links

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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • 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
    • 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

Abstract

An interchange service (225) that allows member banks participating in the service to offer their customers multiple certificates of deposit ('Multi-CDs') so that large deposits exceeding an applicable Federal deposit insurance limit (e.g., $100,000) are fully insured. The Interchange partitions each of the large deposits (205) into a plurality of deposit portions that do not exceed the Federal deposit insurance limit. The deposit portions are assigned to the member banks (235) so that, for each member bank, the difference between funds flowing out of and into each member bank is minimized or eliminated. Differences in deposit terms offered by each of the member banks are monetized and resolved through the calculation and payment of present value payments, which are transferred between member banks that have different sets of deposit terms.
PCT/US2002/023518 2001-07-27 2002-07-23 Method and apparatus for fully insuring large bank deposits WO2003012580A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002319682A AU2002319682A1 (en) 2001-07-27 2002-07-23 Method and apparatus for fully insuring large bank deposits

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US30781501P 2001-07-27 2001-07-27
US60/307,815 2001-07-27
US32336501P 2001-09-20 2001-09-20
US60/323,365 2001-09-20
US10/124,462 US7440914B2 (en) 2001-07-27 2002-04-17 Method and apparatus for fully insuring large bank deposits
US10/124,462 2002-04-17

Publications (2)

Publication Number Publication Date
WO2003012580A2 WO2003012580A2 (en) 2003-02-13
WO2003012580A3 true WO2003012580A3 (en) 2004-03-11

Family

ID=27383108

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/023518 WO2003012580A2 (en) 2001-07-27 2002-07-23 Method and apparatus for fully insuring large bank deposits

Country Status (3)

Country Link
US (14) US7440914B2 (en)
AU (1) AU2002319682A1 (en)
WO (1) WO2003012580A2 (en)

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USRE43246E1 (en) 1998-10-21 2012-03-13 Island Intellectual Property Llc Money fund bank system

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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
US7752129B2 (en) * 1998-10-21 2010-07-06 Island Intellectual Property Llc Systems and methods for managing client accounts
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US7383223B1 (en) * 2000-09-20 2008-06-03 Cashedge, Inc. Method and apparatus for managing multiple accounts
US7313541B2 (en) 2000-11-03 2007-12-25 Jpmorgan Chase Bank, N.A. System and method for estimating conduit liquidity requirements in asset backed commercial paper
US7110525B1 (en) 2001-06-25 2006-09-19 Toby Heller Agent training sensitive call routing system
US8224723B2 (en) 2002-05-31 2012-07-17 Jpmorgan Chase Bank, N.A. Account opening system, method and computer program product
US8150766B1 (en) 2003-01-27 2012-04-03 Island Intellectual Property Llc System and method for investing public deposits
US9818136B1 (en) 2003-02-05 2017-11-14 Steven M. Hoffberg System and method for determining contingent relevance
US7873571B1 (en) * 2003-05-30 2011-01-18 Wintrust Financial Corporation Brokerage account fund management method
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US20050080739A1 (en) * 2003-10-08 2005-04-14 Michael Sherzan Method of providing indexed certificates of deposit
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US7353034B2 (en) 2005-04-04 2008-04-01 X One, Inc. Location sharing and tracking using mobile phones or other wireless devices
US8719130B2 (en) * 2005-08-16 2014-05-06 New Affinity Concepts Corp. Portfolio investment management method, system and computer program product
US8660920B2 (en) * 2005-08-16 2014-02-25 New Affinity Concepts Corp. Managed deposit program
US8874477B2 (en) 2005-10-04 2014-10-28 Steven Mark Hoffberg Multifactorial optimization system and method
AU2006326436B2 (en) * 2005-12-13 2010-03-04 Barclays Capital Inc Method and system for trading financial instruments
US7640199B1 (en) 2006-11-03 2009-12-29 Promontory Interfinancial Network, Llc Auditing and reconciling custodial accounts
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
US7752107B1 (en) * 2007-02-28 2010-07-06 Island Intellectual Property Llc System and method for managing aggregated accounts
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
US20080301022A1 (en) * 2007-04-30 2008-12-04 Cashedge, Inc. Real-Time Core Integration Method and System
US20080319885A1 (en) * 2007-06-22 2008-12-25 D Anna Joseph L Deposit instruments
US8463684B2 (en) * 2008-05-28 2013-06-11 Philippe Khuong-huu System and method for automatic defeasance of a base portfolio of credit default swaps
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
US8781931B1 (en) 2009-05-26 2014-07-15 Island Intellectual Property Llc Method and system for allocating deposits over a plurality of depository institutions
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
US20110054948A1 (en) * 2009-08-31 2011-03-03 Sap Ag Fiduciary cash flow data management
US8370236B1 (en) 2009-11-24 2013-02-05 Island Intellectual Property Llc Method and system for allocating funds over a plurality of time deposit instruments in depository institutions
US8352354B2 (en) 2010-02-23 2013-01-08 Jpmorgan Chase Bank, N.A. System and method for optimizing order execution
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
US8595102B1 (en) 2010-09-13 2013-11-26 New Affinity Concepts Corp. Insured deposit note program
US8583545B1 (en) 2010-09-20 2013-11-12 Island Intellectual Property Llc Systems and methods for money fund banking with flexible interest allocation
US20130054460A1 (en) * 2011-08-30 2013-02-28 Bank Of America Corporation System for Allocating and Managing Contributions to Account Categories
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
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CN112017037A (en) * 2020-09-02 2020-12-01 中国银行股份有限公司 Method and system for pre-purchasing large-amount bank deposit

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Publication number Priority date Publication date Assignee Title
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USRE43246E1 (en) 1998-10-21 2012-03-13 Island Intellectual Property Llc Money fund bank system

Also Published As

Publication number Publication date
US7603307B2 (en) 2009-10-13
US20110166993A1 (en) 2011-07-07
US20080222053A1 (en) 2008-09-11
US20090043698A1 (en) 2009-02-12
US7376606B2 (en) 2008-05-20
US20030023529A1 (en) 2003-01-30
US20110166991A1 (en) 2011-07-07
US7596522B1 (en) 2009-09-29
WO2003012580A2 (en) 2003-02-13
US20030135437A1 (en) 2003-07-17
US7899743B2 (en) 2011-03-01
US8051005B2 (en) 2011-11-01
US8036986B2 (en) 2011-10-11
US7440914B2 (en) 2008-10-21
US7899746B1 (en) 2011-03-01
US20110166990A1 (en) 2011-07-07
AU2002319682A1 (en) 2003-02-17
US7917433B2 (en) 2011-03-29
US7899747B1 (en) 2011-03-01
US7921057B1 (en) 2011-04-05
US20110166981A1 (en) 2011-07-07
US8051004B2 (en) 2011-11-01
US20090138412A1 (en) 2009-05-28
US7899745B1 (en) 2011-03-01

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