{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8498933","patent":{"patent_number":"US-8498933","title":"Systems and methods for providing enhanced account management services for multiple banks","assignee":null,"inventors":[],"filing_date":"2009-05-08T00:00:00.000Z","publication_date":"2013-07-30T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q"],"num_claims":17,"abstract":"A method, system and program product, the system computers configured to perform the steps: accessing databases comprising: aggregated accounts held at a first banking institution participating in an interchange program, the interchange program comprising a plurality of FDIC-insured and interest-bearing aggregated deposit accounts held in a plurality of banking institutions; and client account information obtaining transfer data for client accounts; receiving aggregated account transfer information for aggregated deposit accounts held in the first banking institution, based at least in part on a difference between the amount comprising a total of funds from the client transaction accounts of the first banking institution held in the aggregated deposit accounts in the other banking institutions participating in the interchange program and the total of funds held in the one or more aggregated deposit accounts held in the first banking institution; receiving a transfer of funds; updating the databases."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Systems and methods for providing enhanced account management services for multiple banks","description":"A method, system and program product, the system computers configured to perform the steps: accessing databases comprising: aggregated accounts held at a first banking institution participating in an ","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8498933","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-8498933","citation_suggestion":"Patentable. \"Systems and methods for providing enhanced account management services for multiple banks\" (US-8498933). https://patentable.app/patents/US-8498933","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8498933","json":"https://patentable.app/api/llm-context/US-8498933","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T14:06:20.681Z"}