Wells Fargo Bank, N.a.

Jeffrey A Harmon

Alan W Hecht

Robert E Lugenbeal

Margaret O'Neill

Vicki L Anderson

Jane E Guinnane

Joel D Feazell

Michelle M Young

Laura Lee Orcutt

Stephanie A Sturgis-Griffin

In an example, a computer implemented method includes obtaining respective transactional data from each financial data source of a plurality of financial data sources, where the respective transactional data is each associated with a posting time. The method also includes determining a net liquidity amount from the respective transactional data based on the posting time of each of the respective transactional data. The method also includes outputting net liquidity data that is representative of the determined net liquidity amount.

Multi-source liquidity tracking

In general, this disclosure describes techniques of dynamically selecting deposit clearing methods based on business rules. As described in this disclosure, a financial institution receives checks drawn on other financial institutions as customer deposits. When the financial institution receives a check, the financial institution automatically applies one or more customizable business rules to identify a method to clear the check. The financial institution then uses the identified method to clear the check.

Dynamic selection of deposit clearing methods based on business rules

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New Richmond, WI, United States of America

Jeffrey A Harmon