Patents by Inventor Anthony R. Carlino

Anthony R. Carlino has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Method, system and computer program product for managing funds in custodial deposit accounts
    Patent number: 8744942
    Abstract: A method, system and computer program product for managing aggregate funds held in a custodial deposit accounts by a custodial agent on behalf of a plurality of individuals. According to the present invention, the custodial deposit accounts comprises an omnibus transaction account (“Omnibus TA”) and a Omnibus money market deposit account (“Omnibus MMDA”). A corresponding individual transaction account (“Individual TA”) and individual money market deposit account (“Individual MMDA”) are kept on the books and records of the custodial agent for each individual, representing the amount of the individual's funds deposited in the Omnibus TA and Omnibus MMDA, respectively. According to the present invention, limitations on transfers from the Omnibus MMDA to the Omnibus TA and limitations on transfers from the corresponding Individual MMDAs to the Individual TAs are managed by daily allocation of the funds in the Individual TAs and Individual MMDAs.
    Type: Grant
    Filed: February 22, 2013
    Date of Patent: June 3, 2014
    Assignee: Promontory Interfinancial Networks, LLC
    Inventors: Douglas E. Phillips, Robert N. Hyland, Anthony R. Carlino
  • Method, system and computer program product for managing funds in custodial deposit accounts
    Patent number: 8712881
    Abstract: A method, system and computer program product for managing aggregate funds held in a custodial deposit accounts by a custodial agent on behalf of a plurality of individuals. According to the present invention, the custodial deposit accounts comprises an omnibus transaction account (“Omnibus TA”) and a Omnibus money market deposit account (“Omnibus MMDA”). A corresponding individual transaction account (“Individual TA”) and individual money market deposit account (“Individual MMDA”) are kept on the books and records of the custodial agent for each individual, representing the amount of the individual's funds deposited in the Omnibus TA and Omnibus MMDA, respectively. According to the present invention, limitations on transfers from the Omnibus MMDA to the Omnibus TA and limitations on transfers from the corresponding Individual MMDAs to the Individual TAs are managed by daily allocation of the funds in the Individual TAs and Individual MMDAs.
    Type: Grant
    Filed: July 27, 2012
    Date of Patent: April 29, 2014
    Assignee: Promontory Interfinancial Network, LLC
    Inventors: Douglas E. Phillips, Robert N. Hyland, Anthony R. Carlino
  • Method, system and computer program product for managing funds in custodial deposit accounts
    Patent number: 8392304
    Abstract: A method, system and computer program product for managing aggregate funds held in custodial deposit accounts by a custodial agent on behalf of a plurality of individuals. According to the present invention, the custodial deposit accounts comprise an omnibus transaction account (“Omnibus TA”) and a Omnibus money market deposit account (“Omnibus MMDA”). A corresponding individual transaction account (“Individual TA”) and individual money market deposit account (“Individual MMDA”) are kept on the books and records of the custodial agent for each individual, representing the amount of the individual's funds deposited in the Omnibus TA and Omnibus MMDA, respectively. According to the present invention, limitations on transfers from the Omnibus MMDA to the Omnibus TA and limitations on transfers from the corresponding Individual MMDAs to the individual TAs are managed by daily allocation of the funds in the Individual TAs and Individual MMDAs.
    Type: Grant
    Filed: September 26, 2011
    Date of Patent: March 5, 2013
    Assignee: Promontory Interfinancial Network, LLC
    Inventors: Douglas E. Phillips, Robert N. Hyland, Anthony R. Carlino
  • Method, system and computer program product for managing funds in custodial deposit accounts
    Patent number: 8234188
    Abstract: A method, system and computer program product for managing aggregate funds held in custodial deposit accounts by a custodial agent on behalf of a plurality of individuals. According to the present invention, the custodial deposit accounts comprise an omnibus transaction account (“Omnibus TA”) and a Omnibus money market deposit account (“Omnibus MMDA”). A corresponding individual transaction account (“Individual TA”) and individual money market deposit account (“Individual MMDA”) are kept on the books and records of the custodial agent for each individual, representing the amount of the individual's funds deposited in the Omnibus TA and Omnibus MMDA, respectively. According to the present invention, limitations on transfers from the Omnibus MMDA to the Omnibus TA and limitations on transfers from the corresponding Individual MMDAs to the Individual TAs are managed by daily allocation of the funds in the Individual TAs and Individual MMDAs.
    Type: Grant
    Filed: April 7, 2009
    Date of Patent: July 31, 2012
    Assignee: Promontory Interfinancial Network, LLC
    Inventors: Douglas E. Phillips, Robert N. Hyland, Anthony R. Carlino