{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8521569","patent":{"patent_number":"US-8521569","title":"Method and system for allocating funds over a plurality of time deposit instruments in depository institutions","assignee":null,"inventors":[],"filing_date":"2013-01-07T00:00:00.000Z","publication_date":"2013-08-27T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":30,"abstract":"A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective clients, comprising a balance of funds of the client; a distribution percent value, Xi, for tranches; information for each of multiple government backed-insured aggregated time deposit instruments holding a tranche of client funds, comprising: a rate; an identification of the depository institution; a term; and determining a given client available distribution amount, Di; determining an amount of a client tranche to be deposited in each of Ni depository institutions based at least in part on the percentage, Xi, in order that the client tranches are approximately equal and are insured; determining Ni depository institutions to distribute the client tranches; allocating substantially equally respective client tranches to the Ni depository institutions; generating data for instructions to transfer the respective client tranches; updating, the databases."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Method and system for allocating funds over a plurality of time deposit instruments in depository institutions","description":"A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective clients, c","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8521569","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-8521569","citation_suggestion":"Patentable. \"Method and system for allocating funds over a plurality of time deposit instruments in depository institutions\" (US-8521569). https://patentable.app/patents/US-8521569","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8521569","json":"https://patentable.app/api/llm-context/US-8521569","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T16:21:16.357Z"}