Patent ID: 8260697
Filing Date: 2012-09-04
Classification: G06Q

Abstract:
1. A method, comprising: (A) accessing, using one or more computers, one or more electronic databases, stored on one or more computer-readable media, comprising: (B) determining or having determined or obtaining, using the one or more computers, a respective balance for each of more than one of the client accounts; (C) determining or having determined or obtaining, using the one or more computers, for each of multiple of the respective client accounts a respective interest rate from among at least three different interest rates based at least in part on one or more criteria, so that funds of some client accounts held in one of the one or more aggregated deposit accounts earns interest at a different interest rate from the funds of other client accounts held in the one aggregated deposit account; (D) calculating or having calculated or obtaining, using the one or more computers, for each of one or more of the client accounts having a first interest rate of the at least three interest rates, a respective interest for funds of the respective client account held in the one or more aggregated deposit accounts for a period using the first interest rate, with the calculating being independent from the respective client account pro rata share in earnings posted for the one or more aggregated deposit accounts holding funds of the respective client account; (E) calculating or having calculated or obtaining, using the one or more computers, for each of one or more of the client accounts having a second interest rate of the at least three interest rates, a respective interest for funds of the respective client account held in the one or more aggregated deposit accounts for the period using the second interest rate, with the calculating being independent from the respective client account pro rata share in earnings posted for the one or more aggregated deposit accounts holding funds of the respective client account; (F) determining or having determined or obtaining, using the one or more computers, interest earned on funds held during the period in each of the one or more aggregated deposit accounts in the program; and (G) updating or having updated the one or more electronic databases, using the one or more computers, to include the respective interest for each of more than one of the respective client accounts based at least in part on the respective interest rate determined for the funds of the respective client account held in the one or more aggregated deposit accounts.