Trap and haul program: A program to collect fish at a given point, transport them to a different point, and release them. Sweep Programs Turn 10. Fed Releases 2003 CRA/HMDA Reporter. Patent US8. 31. 19. Method and system for allocating deposits over a plurality of depository .. CROSS- REFERENCE TO RELATED PATENT APPLICATIONSThis application is a Continuation of U. S. 1. 2/6. 38,5. 44, filed Dec. Provisional Application U. S. Application 6. May 2. 6, 2. 00. 9, and from Provisional Application U. S. Application 6. CDARS and Certificate of Deposit Account Registry Service are registered service marks of Promontory. Promontory Bank-to-bank Sweep Program DefinitionSep. All these applications are incorporated hereby by reference in their entirety as if fully set forth herein. FIELD OF THE INVENTIONThe field of the invention relates generally to administration of client transaction accounts, and administration of interest- bearing aggregated deposit accounts at program banks. SUMMARY OF THE INVENTIONIn accordance with one embodiment, a computer system for managing a plurality of client transaction accounts associated with a plurality of respective clients for a plurality of transactions, said system comprising: A. In one embodiment, the relationship bank is one of the Ni banks. In a further embodiment, the program code for generating instructions to transfer funds to or from one or more of the FDIC- insured and interest- bearing aggregated deposit accounts in one or more of the respective banks in the program is configured to cause, for each of a plurality of the banks in the program, a respective balance of funds in the respective bank held in the one or more FDIC- insured and interest- bearing aggregated deposit accounts therein to approximately equal the respective net bank deposit amount calculated for the respective bank. In another embodiment, a method is disclosed for managing a plurality of client transaction accounts associated with a plurality of respective clients for a plurality of transactions, the method comprising: A. In one implementation of this embodiment, the operation of administering the client deposits/transfers and withdrawals/transfers to their respective client transaction accounts is not included, and the information related to the client transaction accounts, may, but need not be included in the one or more databases. Promontory Bank-to-bank Sweep Program Of Smart
In another embodiment of the invention, a computer system, method, and product is disclosed 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 electronic databases, stored on one or more computer- readable media, comprising: (1) aggregated account information for a plurality of Federal Deposit Insurance Corporation (FDIC)- insured and interest- bearing aggregated deposit accounts held in a plurality of banks, N, in a program, wherein funds from client transaction accounts of a plurality of clients are aggregated with funds of other client transaction accounts in the aggregated deposit accounts held in the banks in the program; and (2) client transaction account information for each of the respective client transaction accounts comprising: (a) a respective balance in the respective client transaction account; (b) transaction data for the respective client transaction account; and (c) a respective balance of funds from the respective client transaction account held in each of one or more of the insured and interest- bearing aggregated deposit accounts holding funds of the client transaction account; and one or more computers comprising memory wherein the memory stores computer- readable instructions comprising program code that, when executed, cause the one or more computers to perform the steps: (1) administering clients' deposits/transfers to and withdrawals/transfers from client transaction accounts, said administering comprising processing transaction data comprising transaction data for one or more deposits/transfers for one or more client transaction accounts and/or transaction data for one or more withdrawals/transfers from a plurality of said client transaction accounts, with the transaction data comprising a respective amount for each respective deposit/transfer and each respective withdrawal/transfer; (2) performing the following steps for each client transaction account, i, of a plurality of client transaction accounts: (a) determining a client available deposit amount, Di, comprising funds to be distributed to a plurality of the banks in the program; (b) determining a respective client first amount, FANi, from a first percentage X of Di to be distributed to a respective given bank in a group of respective banks Ni for the client, wherein the client first amount, FAi, cannot exceed a predetermined amount. This respective first amount, FANi, could vary from respective bank to respective bank in this group of banks Ni based on one or more criteria selected by the client and/or the bank and/or a relationship entity. In one embodiment, this percentage X could be distributed equally across the group of banks Ni for the client. In this case, the client first amount, FANi, would comprise the first percentage X/Ni, multiplied by the client available deposit amount, Di, with this client first amount, FANi, to be distributed to each of the client Ni banks in the program; c) determining a respective client second amount, SAMi, from a second percentage Y of Di to be distributed to a respective given bank in a group of respective banks Mi for the client, with the second percentage, Y, not equal to X. This respective second amount, SAMi, could vary from respective bank to respective bank in this group of banks Mi based on one or more criteria selected by the client and/or the bank and/or a relationship entity. In one embodiment, this percentage Y could be distributed equally across the group of banks Mi for the client. In this case, the client second amount, SAMi, would comprise the second percentage Y/Mi, multiplied by the client available deposit amount, Di, with this client second amount, SAMi, to be distributed to each of the client Mi banks in the program. In one embodiment, the second percentage Y is equal to 1. In one implementation of this embodiment, the operation of administering the client deposits/transfers and withdrawals/transfers to their respective client transaction accounts is not included, and the information related to the client transaction accounts, may, but need not be included in the one or more databases. HDS- 6 River Engineering. Technical Report Documentation Page. FHWA NHI 0. 1- 0. HDS 6. 2. Government Accession No. Recipient's Catalog No. Report Date December 2. Title and Subtitle. RIVER ENGINEERING FOR HIGHWAY ENCROACHMENTSHighways in the River Environment. Performing Organization Code. Performing Organization Report No. Performing Organization Name and Address. Ayres Associates. JFK Parkway. Building 2, Suite 2. Fort Collins, Colorado 8. Contract or Grant No. DTFH6. 1- 9. 9- T- 2. Type of Report and Period Covered. Sponsoring Agency Name and Address. Office of Bridge Technology National Highway Institute. FHWA, Room 3. 20. North Fairfax Dr., Suite 8. Seventh Street, SW Arlington, Virginia 2. Washington, D. C. Sponsoring Agency Code. Supplementary Notes. Project Manager: Philip L. Thompson. Technical Assistants: Larry Arneson, J. Sterling Jones, Jorge E. Zevenbergen, Ayres Associates. The Federal Highway Administration document . This revised document incorporates many technical advances that have beenmade in this discipline since 1. In addition, Hydraulic Engineering Circulars (HEC) 1. This document and the HECs provide detailed guidance on stream instability, scour, and appropriate countermeasures. In HDS- 6,hydraulic problems at stream crossings are described in detail and the hydraulic principles of rigid and moveable boundary channels arediscussed. In the United States, the average annual damage related to hydraulic problems at highway facilities on the Federal- aid system is $4. Damages by streams can be reduced significantly by considering channel stability. The types of river changes to be carefullyconsidered relate to: (1) lateral bank erosion; (2) degradation and aggradation of the streambed that continues over a period of years,and (3) natural short- term fluctuations of streambed elevation that are usually associated with the passage of floods. The major topicsare: sediment transport, natural and human induced causes of waterway response, stream stabilization (bed and banks), hydraulicmodeling and computer applications, and countermeasures. Case histories of typical human and natural impacts on waterways areanalyzed. Key Wordsaggradation, degradation, alluvial channel, alluvial fan,river training, geomorphology, headcutting, lateralmigration, riprap, sediment transport, scour, stablechannel design, countermeasures. Distribution Statement. This document is available to the public through the National. Technical Information Service,Springfield, VA 2. Price. Form DOT F 1. Reproduction of completed page authorized.
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