Patent ID: 8744942

Claim:
A computer-implemented method for managing, over a first period of time, funds held in custodial accounts by a custodial agent on behalf of a plurality of customers, wherein said custodial accounts comprise an omnibus transaction account (“Omnibus TA”) and an omnibus money market deposit account (“Omnibus MMDA”), and wherein said Omnibus TA represents a plurality of individual transaction accounts (each an “Individual TA” of one or more of said plurality of customers) and said Omnibus MMDA represents a plurality of individual money market deposit accounts (each an “Individual MMDA” of one or more of said plurality of customers), such that said Omnibus TA has a balance of funds in an amount equal to a total aggregate amount of funds in said Individual TAs and said Omnibus MMDA has a balance of funds in an amount equal to a total aggregate amount of funds in said Individual MMDAs, comprising (a) at the beginning of said first period of time, allocating a percent greater than 0% of each of said plurality of customers' funds to each of said customers' Individual TA, such that each of said plurality of customers has funds allocated to both said customer's Individual TA and said customer's Individual MMDA; (b) receiving with one or more processors of a computer transaction data relating to transactions for one or more of said plurality of customers; (c) deriving with said one or more processors a net balance change for said Omnibus MMDA based on the transaction data received for one or more of said plurality of customers; (d) comparing with said one or more processors said derived net balance change to the balance of funds in said Omnibus TA; (e) determining by said one or more processors that said net balance change is a negative net balance change not greater than the balance of funds in said Omnibus TA, and (f) in response to said determining, during said first period of time, allocating with said one or more processors funds from one or more of said customer's Individual TAs to the customer's respective Individual MMDAs to offset said derived negative net balance change.