Virtual pooled account for mobile banking

Details Virtual pooled account for mobile banking Virtual pooled account for mobile banking

2011-01-18

2011-01-18

Kazimi, Hani (Department: 3684)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C235S379000, C705S035000, C705S037000

Reexamination Certificate

active

07873573

ABSTRACT:
A virtual pooled account is used in operating a system having multiple financial partners. In a specific implementation, the system is a mobile banking system. Instead of maintaining separate general ledgers for each financial institution, the system will keep one general virtual pooled account. This will reduce the settlement and operational costs of the system. The owner of the virtual pooled account will receive the float on the virtual pooled account, and this float will be distributed to the multiple financial partners according to a formula.

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