Patent ID: 8620803

Claim:
A computer implemented method for effecting a distributed transfer of funds, the method comprising: using a processor in a system including at least one subsystem having a computing device with the processor and memory for storing executable instructions that are executable by the processor to perform: determining an allocation amount, wherein the allocation amount is based upon profits of a financial services company, types of accounts held by a user with the financial services company, and payments by the user to the financial services company for services; providing the allocation amount to a profit reallocation account with the financial services company held by the user; determining a percentage of distribution, wherein the percentage of distribution is based on a profit margin of the financial services company and a risk management calculation; applying the percentage of distribution to the reallocation account and determining a monetary allotment; receiving an instruction to distribute the monetary allotment to the user; receiving the user's distribution preference for distributing funds from the profit reallocation account, wherein the user's distribution preference governs the transfer of money out of the profit reallocation account; generating distribution instructions based on the monetary allotment and the user's distribution preference; and effecting a funds transfer according to the distribution instructions.