US 11315090

US Patent 11315090, titled "System and method for automated optimization of financial assets," was issued to Six Trees Capital LLC on April 26, 2022. The inventors are Gary E. Zimmerman, Richard D. Wu, and Gabriel Jorge Gironda. The patent was filed on April 16, 2020.

Abstract:
The patent describes a financial management network designed to optimize interest returns and/or deposit insurance coverage across multiple online accounts, including savings and checking accounts. It achieves this by automatically allocating and transferring funds among these accounts without requiring intervention from the account holder. This automated process adheres to constraints set by the financial management network, the account holder, their financial advisor, and/or the financial institutions holding the accounts.

Plain-language overview of independent claims:

• Independent Claim 1: This claim describes a financial management system. It includes a financial management network connecting a checking account, a first savings account, and a second savings account. The financial management network contains a data store, a processor, and a product program. All these components are interconnected via a data network. The checking account has a first interest rate, the first savings account has a higher interest rate than the checking account, and the second savings account has an interest rate equal to or higher than the checking account's rate. The processor uses rules from the data store to instruct either the first or second savings account (or both) to initiate transfers of financial assets between themselves and the checking account. These rules determine the allowable amount of financial assets in the accounts, the amount to be transferred, and the number of transfers allowed over a period. The data store also holds credentials for accessing these accounts (e.g., login info, account numbers). The processor determines the allocation of assets based on the relative priority of the checking and savings accounts, subject to these rules.

• Independent Claim 12: This claim outlines a financial management network that uses pre-established links between a user's checking account and one or more savings accounts. This network makes these links accessible to a financial management system, enabling it to instruct transfers. The financial management network comprises a data store and one or more processors that implement a product program. The network, checking account, and savings accounts are all interconnected via a data network. The processors apply rules from the data store to instruct at least one of the savings accounts to initiate a transfer of financial assets between itself and the checking account. These rules determine the optimal allocation of financial assets among the checking account and the savings accounts.

• Independent Claim 14: This claim describes a method for optimizing financial assets using a financial management system. The method involves: (a) providing a financial management network with a data store, processor, and product program; (b) linking a checking account to this network; (c) linking a first savings account to both the checking account and the network; (d) linking a second savings account to both the checking account and the network; (e) providing one or more rules to the product program; and (f) initiating an optimization algorithm. This algorithm determines the optimal allocation of financial assets among the checking, first savings, and second savings accounts, based on their assigned relative priority and the provided rules.

• Independent Claim 18: This claim details another method for optimizing financial assets using a financial management system. It involves: (a) providing a financial management network with a data store, one or more processors, and a product program; (b) linking a checking account to the network; (c) linking one or more savings accounts to both the checking account and the network; (d) providing one or more rules to the product program; (e) initiating an optimization algorithm where the product program determines the optimal allocation of financial assets among the checking account and the savings accounts based on their relative priority and the rules; and (f) individually instructing some or all of the user's online savings banks to either send cash to or pull cash from the checking account.

I found no authoritative information in the search results regarding CAFC 2026 dockets specifically mentioning patent 11315090. While general CAFC 2026 patent litigation updates were found, none explicitly named this patent number.