The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 01, 2014
Filed:
Jul. 31, 2012
Bruce Bent, Manhasset, NY (US);
Bruce Bent, Ii, Manhasset, NY (US);
David Edgar Gareis, Carlsbad, CA (US);
Thomas J. O'donnell, Bay Shore, NY (US);
Bruce Bent, Manhasset, NY (US);
Bruce Bent, II, Manhasset, NY (US);
David Edgar Gareis, Carlsbad, CA (US);
Thomas J. O'Donnell, Bay Shore, NY (US);
Island Intellectual Property LLC, Manhasset, NY (US);
Abstract
Method, system and program product, the system comprising: computer programmed for accessing databases comprising: aggregated deposit account information for plurality of FDIC-insured aggregated deposit accounts held in plurality of depository institutions; and client account information; obtaining fund transfer instructions; allocating fund amounts for other depository institutions; generating data for depositing funds to or withdrawing funds from at least one aggregated deposit account multiple times in a month period, comprising generating data for instructions for making a withdrawal from one depository institution more than six times during the month period, using methods: in person, by mail, messenger, telephone, automated teller machine, for withdrawals except for a set of at least 1-6 withdrawals within last six business days of the month period, and presenting instructions to depository institution using method that counts against a 6 withdrawal limit for this set of the withdrawals during the last six business days of month.