Systems and methods for managing a financial investment fund

Abstract

Providing a financial investment fund includes receiving a plurality of individual funds corresponding to a plurality of investors respectively and aggregating the plurality of individual funds into an aggregated fund. Next, providing a financial investment fund includes purchasing a plurality of financial instruments from at least one financial institution with a first portion of the aggregated fund and placing a second portion of the aggregated fund in a transaction account. The financial investment fund may include at least the financial instruments and the transaction account. In addition, one of the at least one financial institution may use at least a portion of the first portion of the aggregated fund received in exchange for the plurality of financial instruments to perform a function of the financial institution.

1 - 16 . (canceled) 
     
     
         17 . A method, performed by a processor, for managing a financial investment fund, the method comprising:
 receiving a plurality of individual funds corresponding to a plurality of investors respectively, the plurality investors not being limited to a group comprising at least one of employees, contractors, and agents of an enterprise managing the financial investment fund;   aggregating the plurality of individual funds into an aggregated fund for investing into the financial investment fund, wherein the investment fund includes a plurality of certificates of deposits and a transaction account;   determining a first portion of the aggregated fund to invest in the certificates of deposits issued by at least one financial institution, wherein each certificate of deposit matures at a predetermined time; and   determining, based on the amount of the first portion invested in the certificates of deposits, a second portion of the aggregated fund for investing in the transaction account.   
     
     
         18 . The method of  claim 17 , further comprising paying a return to the plurality investors from the financial investment fund. 
     
     
         19 . The method of  claim 17 , wherein one of the at least one financial institution comprises the enterprise managing the financial investment fund. 
     
     
         20 . The method of  claim 17 , wherein the certificates of deposits have at least one of varying return rates and varying maturity dates as compared to one another. 
     
     
         21 . The method of  claim 17 , wherein the certificates of deposits comprise at least one of jumbo certificates of deposits, promissory notes, time deposits, and bonds. 
     
     
         22 . The method of  claim 17 , wherein one of the at least one financial institution uses at least a portion of the first portion of the aggregated fund received in exchange for the plurality of certificates of deposits to perform a credit card operation. 
     
     
         23 . The method of  claim 22 , wherein the financial institution uses the first portion of the aggregated fund received in exchange for the plurality of certificates of deposits to pay merchants for goods or services provided to users of credit cards provided by the financial institution. 
     
     
         24 . The method of  claim 17 , wherein at least a portion of the plurality of individual funds is insured by the United States federal government. 
     
     
         25 . The method of  claim 17 , wherein the financial investment fund is configured to allow at least one of the plurality of investors to withdraw from the financial investment fund at any time regardless of maturity dates of any of the plurality of certificates of deposits. 
     
     
         26 . The method of  claim 17 , wherein the transaction account is used to pay for withdrawals from the financial investment fund. 
     
     
         27 . The method of  claim 26 , wherein the amount in the transaction account is established to cover no more than an expected amount of the withdrawals from the financial investment fund over a given amount of time. 
     
     
         28 . The method of  claim 17 , wherein a yield received by enterprise managing the financial investment fund on the plurality of financial instruments is greater than a yield received by the enterprise managing the financial investment fund on funds in the transaction account. 
     
     
         29 . The method of  claim 17 , wherein the financial investment fund is used in conjunction with at least one of an individual retirement account and a 401k account. 
     
     
         30 . The method of  claim 17 , wherein providing the financial investment fund comprises communicating over a network. 
     
     
         31 . The method of  claim 30 , wherein user devices on the network are located in at least one of a home, an office, a store, a retail center kiosk, an office of one of the at least one financial institution, and an office of the enterprise managing the financial investment fund. 
     
     
         32 - 47 . (canceled) 
     
     
         48 . A system, performed by a processor, for managing a financial investment fund, the system comprising:
 a component for receiving a plurality of individual funds corresponding to a plurality of investors respectively, the plurality investors not being limited to a group comprising at least one of employees, contractors, and agents of an enterprise managing the financial investment fund;   a component for aggregating the plurality of individual funds into an aggregated fund for investing into the financial investment fund, wherein the investment fund includes a plurality of certificates of deposits and a transaction account;   a component for determining a first portion of the aggregated fund to invest in the certificates of deposits issued by at least one financial institution, wherein each certificate of deposit matures at a predetermined time; and   a component for determining, based on the amount of the first portion invested in the certificates of deposits, a second portion of the aggregated fund for investing in the transaction account.   
     
     
         49 . The system of  claim 48 , further comprising a component for paying a return to the plurality investors from the financial investment fund. 
     
     
         50 . The system of  claim 48 , wherein one of the at least one financial institution comprises the enterprise managing the financial investment fund. 
     
     
         51 . The system of  claim 48 , wherein the certificates of deposits have at least one of varying return rates and varying maturity dates as compared to one another. 
     
     
         52 . The system of  claim 48 , wherein the certificates of deposits comprise at least one of jumbo certificates of deposits, promissory notes, time deposits, and bonds. 
     
     
         53 . The system of  claim 48 , wherein one of the at least one financial institution uses at least a portion of the first portion of the aggregated fund received in exchange for the plurality of certificates of deposits to perform a credit card operation. 
     
     
         54 . The system of  claim 53 , wherein the financial institution uses the first portion of the aggregated fund received in exchange for the plurality of certificates of deposits to pay merchants for goods or services provided to users of credit cards provided by the financial institution. 
     
     
         55 . The system of  claim 48 , wherein at least a portion of the plurality of individual funds is insured by the United States federal government. 
     
     
         56 . The system of  claim 48 , wherein the financial investment fund is configured to allow at least one of the plurality of investors to withdraw from the financial investment fund at any time regardless of maturity dates of any of the plurality of certificates of deposits. 
     
     
         57 . The system of  claim 48 , wherein the transaction account is used to pay for withdrawals from the financial investment fund. 
     
     
         58 . The system of  claim 57 , wherein the amount in the transaction account is established to cover no more than an expected amount of the withdrawals from the financial investment fund over a given amount of time. 
     
     
         59 . The system of  claim 48 , wherein a yield received by enterprise managing the financial investment fund on the plurality of financial instruments is greater than a yield received by the enterprise managing the financial investment fund on funds in the transaction account. 
     
     
         60 . The system of  claim 48 , wherein the financial investment fund is used in conjunction with at least one of an individual retirement account and a 401k account. 
     
     
         61 . The system of  claim 48 , further comprising a component for communicating over a network. 
     
     
         62 . The system of  claim 61 , wherein user devices on the network are located in at least one of a home, an office, a store, a retail center kiosk, an office of one of the at least one financial institution, and an office of the enterprise managing the financial investment fund. 
     
     
         63 - 78 . (canceled) 
     
     
         79 . A computer-readable medium on which is stored a set of instructions for funding a financial institution through a financial investment fund, which when executed perform stages comprising:
 receiving a plurality of individual funds corresponding to a plurality of investors respectively, the plurality investors not being limited to a group comprising at least one of employees, contractors, and agents of an enterprise managing the financial investment fund;   aggregating the plurality of individual funds into an aggregated fund for investing into the financial investment fund, wherein the investment fund includes a plurality of certificates of deposits and a transaction account;   determining a first portion of the aggregated fund to invest in the certificates of deposits issued by at least one financial institution, wherein each certificate of deposit matures at a predetermined time; and   determining, based on the amount of the first portion invested in the certificates of deposits, a second portion of the aggregated fund for investing in the transaction account.   
     
     
         80 . The computer-readable medium of  claim 79 , further comprising paying a return to the plurality investors from the financial investment fund. 
     
     
         81 . The computer-readable medium of  claim 79 , wherein one of the at least one financial institution comprises the enterprise managing the financial investment fund. 
     
     
         82 . The computer-readable medium of  claim 79 , wherein the certificates of deposits have at least one of varying return rates and varying maturity dates as compared to one another. 
     
     
         83 . The computer-readable medium of  claim 79 , wherein the certificates of deposits comprise at least one of jumbo certificates of deposits, promissory notes, time deposits, and bonds. 
     
     
         84 . The computer-readable medium of  claim 79 , wherein one of the at least one financial institution uses at least a portion of the first portion of the aggregated fund received in exchange for the plurality of certificates of deposits to perform a credit card operation. 
     
     
         85 . The computer-readable medium of  claim 84 , wherein the financial institution uses the first portion of the aggregated fund received in exchange for the plurality of certificates of deposits to pay merchants for goods or services provided to users of credit cards provided by the financial institution. 
     
     
         86 . The computer-readable medium of  claim 79 , wherein at least a portion of the plurality of individual funds is insured by the United States federal government. 
     
     
         87 . The computer-readable medium of  claim 79 , wherein the financial investment fund is configured to allow at least one of the plurality of investors to withdraw from the financial investment fund at any time regardless of maturity dates of any of the plurality of certificates of deposits. 
     
     
         88 . The computer-readable medium of  claim 79 , wherein the transaction account is used to pay for withdrawals from he financial investment fund. 
     
     
         89 . The computer-readable medium of  claim 88 , wherein the amount in the transaction account is established to cover no more than an expected amount of the withdrawals from the financial investment fund over a given amount of time. 
     
     
         90 . The computer-readable medium of  claim 79 , wherein a yield received by enterprise managing the financial investment fund on the plurality of financial instruments is greater than a yield received by the enterprise managing the financial investment fund on funds in the transaction account. 
     
     
         91 . The computer-readable medium of  claim 79 , wherein the financial investment fund is used in conjunction with at least one of an individual retirement account and a 401k account. 
     
     
         92 . The computer-readable medium of  claim 79 , wherein providing the financial investment fund comprises communicating over a network. 
     
     
         93 . The computer-readable medium of  claim 92 , wherein user devices on the network are located in at least one of a home, an office, a store, a retail center kiosk, an office of one of the at least one financial institution, and an office of the enterprise managing the financial investment fund.