Notification system and method
First Claim
1. A method of performing a deposit sweep transaction, comprising:
- (a) receiving, at a deposit sweep computer system comprising one or more computers, a deposit sweep file for a deposit sweep program, the deposit sweep file comprising transaction information;
(b) determining, by the deposit sweep computer system based at least in part upon the transaction information, first allocations of funds for a plurality of customers, the first allocations comprising for each respective customer identifications of a plurality of respective destination depository institutions and respective amounts to allocate to each respective destination depository institution;
(c) determining, by the deposit sweep computer system, for each of a first subset of the plurality of customers a plurality of respective different destination depository institutions, the respective different destination depository institutions not currently holding funds of the each respective customer for the deposit sweep program;
(d) generating, by the deposit sweep computer system, respective first machine readable instructions to render respective destination institution management graphical user interfaces each comprising respective first display data comprising a different destination depository institution notification indicating that at least a portion of the funds of the each respective customer are allocated to at least one of the respective different destination depository institutions and further comprising a respective graphical accept option to approve the respective allocation, a transfer amount input element corresponding to the respective graphical accept option for specifying a respective updated amount of the funds to be allocated to the at least one of the respective different destination depository institutions, and a respective graphical reject option to reject the respective allocation;
(e) providing, by the deposit sweep computer system to a plurality of respective client devices each associated with one of the respective customers of the first subset of the plurality of customers, the respective first computer-readable instructions causing each respective client device to activate a respective interface application to render the respective destination institution management graphical user interface on a respective display screen operatively connected to the respective client device;
(f) receiving, at the deposit sweep computer system from a first subset of the respective client devices within a predefined period of time, respective approvals of the respective different destination depository institutions via respective selections of the respective accept options; and
(g) executing, by the deposit sweep computer system, the first allocations of funds for customers corresponding to each respective approval in accordance with each respective updated amount of the funds specified in each respective transfer amount input element.
1 Assignment
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Accused Products
Abstract
Systems, methods, and program products for performing cash sweep transactions with customer control are disclosed. A deposit sweep computer system may determine first allocations of funds for a plurality of customers. The system may determine for a first subset of the customers that their funds are allocated to respective different depository institutions than previously used for the respective customer. The system may generate and transmit to client devices associated with the first subset of customers machine-readable instructions to render respective destination institution management graphical user interfaces providing an indication of the respective different depository institutions along with accept options and reject options. The system may receive one or more selections of accept options or reject options. The system may then determine and execute second allocations based at least in part upon the first allocations and the one or more selections of the reject options.
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Citations
16 Claims
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1. A method of performing a deposit sweep transaction, comprising:
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(a) receiving, at a deposit sweep computer system comprising one or more computers, a deposit sweep file for a deposit sweep program, the deposit sweep file comprising transaction information; (b) determining, by the deposit sweep computer system based at least in part upon the transaction information, first allocations of funds for a plurality of customers, the first allocations comprising for each respective customer identifications of a plurality of respective destination depository institutions and respective amounts to allocate to each respective destination depository institution; (c) determining, by the deposit sweep computer system, for each of a first subset of the plurality of customers a plurality of respective different destination depository institutions, the respective different destination depository institutions not currently holding funds of the each respective customer for the deposit sweep program; (d) generating, by the deposit sweep computer system, respective first machine readable instructions to render respective destination institution management graphical user interfaces each comprising respective first display data comprising a different destination depository institution notification indicating that at least a portion of the funds of the each respective customer are allocated to at least one of the respective different destination depository institutions and further comprising a respective graphical accept option to approve the respective allocation, a transfer amount input element corresponding to the respective graphical accept option for specifying a respective updated amount of the funds to be allocated to the at least one of the respective different destination depository institutions, and a respective graphical reject option to reject the respective allocation; (e) providing, by the deposit sweep computer system to a plurality of respective client devices each associated with one of the respective customers of the first subset of the plurality of customers, the respective first computer-readable instructions causing each respective client device to activate a respective interface application to render the respective destination institution management graphical user interface on a respective display screen operatively connected to the respective client device; (f) receiving, at the deposit sweep computer system from a first subset of the respective client devices within a predefined period of time, respective approvals of the respective different destination depository institutions via respective selections of the respective accept options; and (g) executing, by the deposit sweep computer system, the first allocations of funds for customers corresponding to each respective approval in accordance with each respective updated amount of the funds specified in each respective transfer amount input element. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A deposit sweep computer system, comprising:
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one or more processor devices; and one or more memory devices coupled to the one or more processor devices, the one or more memory devices storing computer program instructions for causing, when executed, the one or more processor devices to perform; (a) receiving, at a deposit sweep computer system, a deposit sweep file for a deposit sweep program, the deposit sweep file comprising transaction information; (b) determining, by the deposit sweep computer system based at least in part upon the transaction information, first allocations of funds for a plurality of customers, the first allocations comprising for each respective customer identifications of a plurality of respective destination depository institutions and respective amounts to allocate to each respective destination depository institution; (c) determining, by the deposit sweep computer system, for each of a first subset of the plurality of customers a plurality of respective different destination depository institutions, the respective different destination depository institutions not currently holding funds of the each respective customer for the deposit sweep program; (d) generating, by the deposit sweep computer system, respective first machine readable instructions to render respective destination institution management graphical user interfaces each comprising respective first display data comprising a different destination depository institution notification indicating that at least a portion of the funds of the each respective customer are allocated to at least one of the respective different destination depository institutions and further comprising a respective graphical accept option to approve the respective allocation, a transfer amount input element corresponding to the respective graphical accept option for specifying a respective updated amount of the funds to be allocated to the at least one of the respective different destination depository institutions, and a respective graphical reject option to reject the respective allocation; (e) providing, by the deposit sweep computer system to a plurality of respective client devices each associated with one of the respective customers of the first subset of the plurality of customers, the respective first computer-readable instructions causing each respective client device to activate a respective interface application to render the respective destination institution management graphical user interface on a respective display screen operatively connected to the respective client device; (f) receiving, at the deposit sweep computer system from a first subset of the respective client devices within a predefined period of time, respective approvals of the respective different destination depository institutions via respective selections of the respective accept options; and (g) executing, by the deposit sweep computer system, the first allocations of funds for customers corresponding to each respective approval in accordance with each respective updated amount of the funds specified in each respective transfer amount input element. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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Specification