Patent ID: 8051005

Claim:
A computer-implemented method of processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured, the large deposits being received from a plurality of unaffiliated banks from their respective depositors, the method comprising for at least some of the large deposits: (a) receiving at a processor orders from the plurality of banks to process large deposits; (b) automatically comparing, using the processor, each order to a preset maximum order amount; (c) partitioning, using the processor, each of the large deposits for each order into a plurality of deposit portions if the order does not exceed a preset maximum order amount, each deposit portion not exceeding the established deposit insurance limit; and (d) assigning by the processor at least some of the deposit portions for each of the large deposits for each order to at least some banks that are unaffiliated with the bank that received the large deposit for deposit therein if the order does not exceed the preset maximum order amount.