Patent ID: 8156024

Claim:
A system comprising: a processor and a memory coupled to the processor; an issuance determination module deployed in the memory and executed by the processor to determine that a certificate of deposit issued to a depositor has matured; a retrieval module deployed in the memory and executed by the processor to retrieve, from a database, a certificate of deposit post maturity instruction associated with the certificate of deposit that was created in accordance with issuance of the certificate of deposit; a roll over determination module deployed in the memory and executed by the processor to determine at least one roll over term and an amount of funds associated with the rollover term when a roll over of the certificate of deposit is indicated in the retrieved certificate of deposit post maturity instruction; and a rollover excess disposition module deployed in the memory and executed by the processor to dispose of a non-rolled-over portion of funds associated with the certificate of deposit in accordance with the retrieved certificate of deposit post maturity instruction without receipt of an additional instruction from the depositor based on a determination that the certificate of deposit has matured.