Patent ID: 8571960
Filing Date: 2013-10-29
Classification: G06Q

Abstract:
1. A method, comprising: (A) accessing, using one or more computers, one or more databases comprising: (B) obtaining, using the one or more computers, transfer data associated with a source institution comprising an amount of funds to at least one of deposit/transfer to or withdraw/transfer from one or more of the aggregated deposit accounts in the program; (C) changing at least one of a minimum cap or a maximum cap for one of the depository institutions based at least in part on data that a current capital usage level or a projected capital usage level has reached a predetermined level for the one depository institution, and storing the minimum cap or the maximum cap that was changed in the one or more databases; (D) allocating at least one of, an amount to be deposited/transferred to one of the depository institutions or among multiple of the depository institutions, or an amount to be withdrawn/transferred from one of the depository institutions or portions of the amount from more than one of the depository institutions, comprising: (E) generating and communicating data for one or more instructions, using the one or more computers and a network communication link, to transfer funds to or from the one depository institution based at least in part on the allocating step; and (F) updating, using the one or more computers, the one or more databases with information based at least in part on the allocating step.