Abstract: A method, system, and program product, the method comprising: (1) aggregated account information FDIC aggregated deposit accounts held in a plurality of banks; (2) client account information: (1) obtaining a client available deposit amount, Di; (2) determining, a bank number tier, Ti, for the client account, from among a plurality of tiers based, at least in part, on a level of funds associated with the respective client or relative to tier ranges, wherein each tier has a number of banks associated therewith or a function for computing the number of banks associated therewith; (3) allocating the client available deposit amount, Di, across a number of banks, NT, equal to the number associated electronically with the tier, Ti; and generating data to transfer funds to or from one or more of the banks.

Abstract: Computer bypass systems and methods using a customer portal of a core account computer system to bypass a core account provider computer system are disclosed. One method comprises receiving at a loan computer system a loan request from an electronic client device and obtaining core account access information comprising a core account provider identifier and core account authentication credentials of the client for a customer portal of the core account computer system. The loan computer system can use the core account authentication credentials to access the core account customer portal and obtain a core account balance and a maximum allowable loan limit. The loan computer system can provide machine readable instructions to render a graphical user interface indicating the maximum allowable loan limit and can receive a requested loan amount, which is used to transfer funds from the core fund to create a loan fund.

Abstract: A method, system, and program product, the method comprising: (1) aggregated account information FDIC aggregated deposit accounts held in a plurality of banks; (2) client account information: (1) obtaining a client available deposit amount, Di; (2) determining, a bank number tier, Ti, for the client account, from among a plurality of tiers based, at least in part, on a level of funds associated with the respective client or relative to tier ranges, wherein each tier has a number of banks associated therewith or a function for computing the number of banks associated therewith; (3) allocating the client available deposit amount, Di, across a number of banks, NT, equal to the number associated electronically with the tier, Ti; and generating data to transfer funds to or from one or more of the banks.

Abstract: The method comprising: administering a first plurality of loan fund accounts; maintaining an association of each different one of the first plurality of loan fund accounts with a different investment vehicle that is part of the respective benefit plan account; receiving a selection from a selecting entity of one or more loan fund accounts from among the first plurality of loan fund accounts; investing loan fund assets comprising participant assets associated with the selecting entity in the different investment vehicles associated with loan fund accounts; associating a respective loan accounting process with each of the selected loan fund accounts; receiving a loan-request; initiating transfer of an amount requested; and updating account information to reflect said loan-request funds transferred from said loan fund account.

Abstract: A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective clients, comprising a balance of funds of the client; a distribution percent value, Xi, for tranches; information for each of multiple government backed-insured aggregated time deposit instruments holding a tranche of client funds, comprising: a rate; an identification of the depository institution; a term; and determining a given client available distribution amount, Di; determining an amount of a client tranche to be deposited in each of Ni depository institutions based at least in part on the percentage, Xi, in order that the client tranches are approximately equal and are insured; determining Ni depository institutions to distribute the client tranches; allocating substantially equally respective client tranches to the Ni depository institutions; generating data for instructions to transfer the respective client tranch

Abstract: Computer system, computer-implemented method, and program product for managing transactions that include administering clients' deposits to and withdrawals from client transaction accounts; determining a client available deposit amount, Di, determining, for Di, a value of Ni banks for the respective client transaction account, wherein Ni is a whole number and (X) times (Ni) is equal to or less than 100, where X is a distribution percent value to be distributed to each of the Ni banks; allocating, the percentage, X, multiplied by the client deposit amount, Di, calculating, for the banks a respective net deposit amount; generating instructions to transfer funds; and updating.

Abstract: Computer system, computer-implemented method, and program product for managing transaction comprising: administering clients' deposits to and withdrawals from client transaction accounts; determining a client available deposit amount, Di, determining, for Di, a value of Ni banks for the respective client transaction account, wherein Ni is a whole number and (X) times (Ni) is equal to or less than 100, where X is a distribution percent value to be distributed to each of the Ni banks; allocating, the percentage, X, multiplied by the client deposit amount, Di, calculating, for the banks a respective net deposit amount; generating instructions to transfer funds; and updating.

Abstract: A method, system, and program product, the method comprising: (1) aggregated account information FDIC aggregated deposit accounts held in a plurality of banks; (2) client account information: (1) obtaining a client available deposit amount, Di; (2) determining, a bank number tier, Ti, for the client account, from among a plurality of tiers based, at least in part, on a level of funds associated with the respective client or relative to tier ranges, wherein each tier has a number of banks associated therewith or a function for computing the number of banks associated therewith; (3) allocating the client available deposit amount, Di, across a number of banks, NT, equal to the number associated electronically with the tier, Ti; and generating data to transfer funds to or from one or more of the banks.

Abstract: A method, system, and program product, the method comprising: (1) aggregated account information FDIC aggregated deposit accounts held in a plurality of banks; (2) client account information: (1) obtaining a client available deposit amount, Di; (2) determining, a bank number tier, Ti, for the client account, from among a plurality of tiers based, at least in part, on a level of funds associated with the respective client or relative to tier ranges, wherein each tier has a number of banks associated therewith or a function for computing the number of banks associated therewith; (3) allocating the client available deposit amount, Di, across a number of banks, NT, equal to the number associated electronically with the tier, Ti; and generating data to transfer funds to or from one or more of the banks.

Abstract: A computer system, computer-implemented method, and program product for managing a plurality of client transaction accounts associated with a plurality of respective clients for a plurality of transactions, the system comprising: one or more configured to perform the steps: administering clients' deposits/transfers to and withdrawals/transfers from client transaction accounts; performing the following steps for each client transaction account, i, of a plurality of client transaction accounts: determining a client available deposit amount, Di, comprising funds to be distributed over Ni respective banks in the program; determining, for Di, a value of Ni banks for the respective client transaction account, wherein Ni is a whole number and (X) times (Ni) is equal to or less than 100, where X is a distribution percent value to be distributed to each of the Ni banks; allocating, the percentage, X, multiplied by the respective client available deposit amount, Di, calculating, for each bank of a plurality of the bank

Abstract: A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective clients, comprising a balance of funds of the client; a distribution percent value, Xi, for tranches; information for each of multiple government backed-insured aggregated time deposit instruments holding a tranche of client funds, comprising: a rate; an identification of the depository institution; a term; and determining a given client available distribution amount, Di; determining an amount of a client tranche to be deposited in each of Ni depository institutions based at least in part on the percentage, Xi, in order that the client tranches are approximately equal and are insured; determining Ni depository institutions to distribute the client tranches; allocating substantially equally respective client tranches to the Ni depository institutions; generating data for instructions to transfer the respective client tranch

Abstract: A method, system and program product for operating an exchange method for municipal and/or state funds from banking institutions, comprising: accessing, one or more electronic databases holding data on client transaction accounts and funds in aggregated accounts and banking institutions holding Federal government securities; obtaining transaction data; generating instructions to deposit/transfer funds to or withdraw/transfer funds; receiving data for a first deposit from a first one of the banking institutions, where the first deposit comprises municipal funds and/or state funds; selecting, at least another of the banking institutions holding government securities to receive at least a portion of the first deposit of municipal funds and/or state funds; selecting, a plurality of client transaction accounts from one or more of the other banking institutions for the transfer of funds to the first banking institution; generating instructions to deposit/transfer funds.

Abstract: A method, system and program product for operating an exchange method for municipal and/or state funds from banking institutions, comprising: accessing, one or more electronic databases holding data on client transaction accounts and funds in aggregated accounts and banking institutions holding Federal government securities; obtaining transaction data; generating instructions to deposit/transfer funds to or withdraw/transfer funds; receiving data for a first deposit from a first one of the banking institutions, where the first deposit comprises municipal funds and/or state funds; selecting, at least another of the banking institutions holding government securities to receive at least a portion of the first deposit of municipal funds and/or state funds; selecting, a plurality of client transaction accounts from one or more of the other banking institutions for the transfer of funds to the first banking institution; generating instructions to deposit/transfer funds.

Abstract: Method, system and program product, the system comprising: computer programmed for accessing databases comprising: aggregated deposit account information for plurality of FDIC-insured aggregated deposit accounts held in plurality of depository institutions; and client account information; obtaining fund transfer instructions; allocating fund amounts for other depository institutions; generating data for depositing funds to or withdrawing funds from at least one aggregated deposit account multiple times in a month period, comprising generating data for instructions for making a withdrawal from one depository institution more than six times during the month period, using methods: in person, by mail, messenger, telephone, automated teller machine, for withdrawals except for a set of at least 1-6 withdrawals within last six business days of the month period, and presenting instructions to depository institution using method that counts against a 6 withdrawal limit for this set of the withdrawals during the last s

Abstract: A method, system and program product implemented at least in part by computer for facilitating provision of loans to a plurality of participants of one or more benefit plan accounts associated with one or more record keepers, each participant having participant assets in one or more of the benefit plan accounts, each of the benefit plan accounts comprising a plurality of investment vehicles, each of the one or more record keepers providing record keeping services for at least one of the benefit plan accounts, the method comprising: administering a first plurality of loan fund accounts; maintaining an association of each different one of the first plurality of loan fund accounts with a different investment vehicle that is part of the respective one or more benefit plan accounts; receiving a selection from a selecting entity of one or more of the loan fund accounts from among the first plurality of loan fund accounts; investing or having invested or maintaining loan fund assets comprising participant assets ass

Abstract: A method, system, and program product, the method comprising: allocating client funds of respective client accounts among aggregated deposit accounts, determining client funds to be withdrawn from the aggregated deposit account held at one of the depository institutions more than six (6) times during a month while preserving an insured and interest-bearing status of the aggregated deposit account; generating instructions to transfer funds to or from one or more of the respective aggregated deposit accounts in the program through an aggregated demand deposit and making a withdrawal and/or transfer from the one aggregated deposit account more than six (6) times during the month period; and updating databases.

Abstract: A method, program product and system, the comprising: one or more computers, configured for accessing databases comprising: aggregated deposit account information for a plurality of FDIC-insured interest-bearing aggregated deposit accounts held in depository institutions participating in program, and client account information; obtaining via an internet interface transfer data; allocating first amount to and/or from one depository institution, comprising: selecting sub-set of aggregated deposit accounts to deposit or to withdraw funds, while avoiding withdrawing funds for a respective sub-period one or more of other aggregated deposit accounts based on criteria; allocating funds to an aggregated deposit account held in one or more other depository institutions; allocating second fund amount from client accounts among the aggregated deposit accounts to substantially match the first amount; generating data for instructions to transfer funds to or from the sub-set of depository institutions.

Abstract: A method, system and program product, the method comprising: accessing, electronic databases, comprising: (i) aggregated account information for a plurality of government backed-insured and interest-bearing aggregated deposit accounts held in a plurality of program institutions; and (ii) source institution deposit information; obtaining transfer data, by a source institution; obtaining time dimension interest rate data, wherein the time dimension interest rate varies depending on how long the deposit has been held in one or more other of the recipient institutions participating in the program; allocating the deposit funds to one or more other of the recipient institutions; generating data for instructions to deposit/transfer funds and/or to withdraw/transfer funds; calculating a respective interest amount for funds of the respective source institutions, based on time dimension interest rate for the period of time; and generating data for allocating interest.

Abstract: A method, program product and system, the comprising: one or more computers, configured for accessing databases comprising: aggregated deposit account information for a plurality of FDIC-insured interest-bearing aggregated deposit accounts held in depository institutions participating in program, and client account information; obtaining via an internet interface transfer data; allocating first amount to and/or from one depository institution, comprising: selecting sub-set of aggregated deposit accounts to deposit or to withdraw funds, while avoiding withdrawing funds for a respective sub-period one or more of other aggregated deposit accounts based on criteria; allocating funds to an aggregated deposit account held in one or more other depository institutions; allocating second fund amount from client accounts among the aggregated deposit accounts to substantially match the first amount; generating data for instructions to transfer funds to or from the sub-set of depository institutions.

Abstract: Method, system and program product, the method , comprising: generating by first banking institution file comprising transaction information for funds of client transaction accounts to be transferred to or from aggregated accounts in other banking institutions in an interchange program comprising plurality of FDIC-insured and interest-bearing aggregated deposit accounts; determining/receiving a total amount of funds to be held in first banking institution in its aggregated deposit account; generating transaction information for funds to be transferred to or from the aggregated accounts in other banking institutions; determining difference between an amount comprising total of funds from the client transaction accounts of the first banking institution held in the aggregated deposit accounts in the other banking institutions and total of funds held in the aggregated deposit account in the first banking institution; determining transfer information to deposit or to withdraw funds, based at least in part on the d