US5745706A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Computer system and related equipment for spending and investment account management
Assignee: Individual
•
Filing: 1994-12-30
•
Granted: 1998-04-28
•
Expires: 2014-12-30
Abstract
Abstract A method, computer system and equipment for managing an investment and spending account, so as to achieve selected guidelines for spending flexibility and investment returns. A computer system, for recording account information and a processor for processing account data and transactions associated with the account, implements a combined spending and investment account, by which an account holder achieves a selected degree of spending flexibility and a selected investment return. The computer system monitors inflows to and outflows from the account, and investment returns achieved for the account, and indicates when adjustments to the account are required to achieve the selected investment guidelines while presenting the account holder with the selected spending flexibility. The computer system associates a spending account with a related investment account, so that the account holder may access the spending account within the spending flexibility guidelines, while an account manager, either a human being or a computer program such as an artificial intelligence, controls the associated investment account within the investment guidelines. The computer system tracks and monitors the resources available in the spending account and the investment account, and responsive thereto, presents the account manager with signals indicating whether investment adjustments are suggested for meeting the investment guidelines and while still permitting outflows within the spending account according to the spending flexibility guidelines.
Inventors
- 👤 Larry Wolfberg
- 👤 Brent Wolfberg
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-29 03:39
CPC Classifications
G; G06; G06Q; G06Q40/00; G06Q40/02; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/102
Claims Analysis
Total Claims: 84
Claim 1
Independent Claim
185 words
A computer system for managing and tracking an investment and spending account, said system comprising a memory comprising account information, said account information beings associated with an investment account and a spending account; a process or coupled to said memory, said processor being disposed to process said account information and to process at least one transaction associated with either or both said investment account or said spending account; said memory comprising a set of investment guidelines associated with said investment account and a set of spending flexibility guidelines associated with said spending account, said investment guidelines and said spending flexibility guidelines coordinated to obtain a selected rate of return; a program for directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines, for directing said processor to determine, responsive to said account information a second condition for raising a second signal associated with said spending flexibility guidelines, and for directing said processor to raise said first signal or said second signal, responsive to said account information and said at least one transaction.
Claim 2
Dependent Claim
185 words
A computer system for managing and tracking an investment and spending account, said system comprising a memory comprising account information, said account information beings associated with an investment account and a spending account; a process or coupled to said memory, said processor being disposed to process said account information and to process at least one transaction associated with either or both said investment account or said spending account; said memory comprising a set of investment guidelines associated with said investment account and a set of spending flexibility guidelines associated with said spending account, said investment guidelines and said spending flexibility guidelines coordinated to obtain a selected rate of return; a program for directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines, for directing said processor to determine, responsive to said account information a second condition for raising a second signal associated with said spending flexibility guidelines, and for directing said processor to raise said first signal or said second signal, responsive to said account information and said at least one transaction.
Claim 3
Dependent Claim
23 words
A computer system as in claim 1, comprising: means for communicating with an account holder; and means for communicating with an account manager.
Claim 4
Dependent Claim
29 words
A computer system as in claim 1, comprising means for directing said processor to indicate suggested adjustments to said account, responsive to said first signal or said second signal.
Claim 5
Dependent Claim
25 words
A computer system as in claim 3, wherein said suggested adjustments to said account comprise account statements to an account holder associated with said account.
Claim 6
Dependent Claim
25 words
A computer system as in claim 3, wherein said suggested adjustments to said account comprise investment statements to an account manager associated with said account.
Claim 7
Dependent Claim
55 words
A computer system as in claim 1, comprising means for monitoring expected inflows and expected outflows associated with said account; and means for altering said account information responsive to said expected inflows and expected outflows, whereby said first signal or said second signal are raised responsive to changes in said expected inflows and expected outflows.
Claim 8
Dependent Claim
106 words
A computer system as in claim 1, wherein said means for directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines, comprises means for directing said processor to determine an expected investment return, responsive to said investment guidelines; means for directing said processor to compare said expected investment return with said investment guidelines; and means for directing said processor to define said first condition responsive to a result of a comparison performed by said processor responsive to said means for directing said processor to compare said expected investment return with said investment guidelines.
Claim 9
Dependent Claim
107 words
A computer system as in claim 1, wherein said means for directing said processor to determine, responsive to said account information, a second condition for raising a second signal associated with said spending flexibility guidelines, comprises means for directing said processor to determine an expected investment return, responsive to said investment guidelines; means for directing said processor to compare said expected investment return with said investment guidelines; and means for directing said processor to define said second condition responsive to a result of a comparison performed by said processor responsive to said means for directing said processor to compare said expected investment return with said investment guidelines.
Claim 10
Dependent Claim
31 words
A computer system as in claim 1, wherein said set of investment guidelines are selected from a group comprising known cash returns, known maturity dates, known percent returns, and combinations thereof.
Claim 11
Dependent Claim
42 words
A computer system as in claim 1, wherein said set of spending flexibility guidelines are selected from the group comprising known cash loan buffers, known interest rates, known payment rates, known percent of account size loan buffers, and combinations and derivatives thereof.
Claim 12
Dependent Claim
169 words
A computer system for managing and tracking an investment and spending, account, said system comprising: a memory, said memory comprising an account database, said account database comprising at least one account, said account having a spending component and an investment component; a processor coupled to said memory, said processor comprising means for executing an account management program in said memory, said account management program having an account monitor component disposed to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component; an input device coupled to said processor; said account management program comprising an information receipt component disposed to receive a transaction from said input device; said account management program comprising a transaction processing component disposed to update said account responsive to said transaction; and a communication link coupled to said processor; an account card disposed for coupling to said communication link and comprising means for receiving information about said account from said processor using said communication link.
Claim 13
Dependent Claim
169 words
A computer system for managing and tracking an investment and spending, account, said system comprising: a memory, said memory comprising an account database, said account database comprising at least one account, said account having a spending component and an investment component; a processor coupled to said memory, said processor comprising means for executing an account management program in said memory, said account management program having an account monitor component disposed to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component; an input device coupled to said processor; said account management program comprising an information receipt component disposed to receive a transaction from said input device; said account management program comprising a transaction processing component disposed to update said account responsive to said transaction; and a communication link coupled to said processor; an account card disposed for coupling to said communication link and comprising means for receiving information about said account from said processor using said communication link.
Claim 14
Dependent Claim
22 words
A computer system as in claim 11, further comprising a display coupled to said account card and disposed to display said information.
Claim 15
Dependent Claim
27 words
A computer system as in claim 11, wherein said account card comprises a writable card memory; and means for writing said information in said writable card memory.
Claim 16
Dependent Claim
31 words
A computer system as in claim 11, wherein said memory comprises a set of investment guidelines associated with said account and a set of spending flexibility guidelines associated with said account.
Claim 17
Dependent Claim
84 words
A computer system as in claim 14, comprising means for directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines; means for directing said processor to determine, responsive to said account information, a second condition for raising a second signal associated with said spending flexibility guidelines; and means for directing said processor to raise said first signal or said signal, responsive to said account information and said at least one transaction.
Claim 18
Dependent Claim
209 words
A computer system for managing and tracking an investment and spending account, said system comprising a memory, said memory comprising an account database, said account database comprising at least one account, said account comprising a spending component and an investment component; a processor coupled to said memory, said processor comprising means for executing an account management program in said memory; an input device coupled to said processor; said account management program comprising an information receipt component disposed to receive a transaction from said input device; said account management program comprising a transaction processing component disposed to update said account responsive to said transaction; and said account management program comprising an account monitor component disposed to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component, said spending component comprising a spending balance, a set of spending guidelines, and a set of actions associated with failure to meet said spending guidelines, and said investment component comprising an investment balance, a set of investment guidelines, and a set of actions associated with failure to meet said investment guidelines, said set of spending guidelines and said set of investment guidelines coordinated to obtain a selected rate of return for said account.
Claim 19
Dependent Claim
209 words
A computer system for managing and tracking an investment and spending account, said system comprising a memory, said memory comprising an account database, said account database comprising at least one account, said account comprising a spending component and an investment component; a processor coupled to said memory, said processor comprising means for executing an account management program in said memory; an input device coupled to said processor; said account management program comprising an information receipt component disposed to receive a transaction from said input device; said account management program comprising a transaction processing component disposed to update said account responsive to said transaction; and said account management program comprising an account monitor component disposed to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component, said spending component comprising a spending balance, a set of spending guidelines, and a set of actions associated with failure to meet said spending guidelines, and said investment component comprising an investment balance, a set of investment guidelines, and a set of actions associated with failure to meet said investment guidelines, said set of spending guidelines and said set of investment guidelines coordinated to obtain a selected rate of return for said account.
Claim 20
Dependent Claim
50 words
A computer system as in claim 16, comprising an output device coupled to said processor; wherein said account management program comprises a report component coupled to said output device and disposed to generate a report to an account holder associated with said spending component responsive to said spending flexibility signal.
Claim 21
Dependent Claim
49 words
A computer system as in claim 16, comprising an output device coupled to said processor; wherein said account management program comprises a report component coupled to said output device and disposed to generate a report to an account manager associated with said investment component responsive to said investment signal.
Claim 22
Dependent Claim
113 words
A computer system as in claim 16, comprising an output device coupled to said processor; wherein said account management program comprises a report component coupled to said spending component, to said spending flexibility signal, to said investment component, to said investment signal; and wherein said report component is coupled to said output device, and disposed to generate a report to an account holder associated with said spending component, said report directing said account holder to increase said spending balance by an amount sufficient to simultaneously meet said spending flexibility guidelines and said investment guidelines, responsive to said spending balance, to said spending flexibility signal, to said investment balance, and to said investment signal.
Claim 23
Dependent Claim
49 words
A computer system as in claim 16, comprising an output device coupled to said processor; wherein a report component is coupled to said output device, and disposed to generate a report to an account holder associated with said spending account, said report describing said spending flexibility guidelines after relaxation.
Claim 24
Dependent Claim
80 words
A computer system as in claim 16, wherein said account management program comprises a report component coupled to said spending component, to said spending flexibility signal, to said investment component, to said investment signal; and wherein said report component is disposed to alter said investment guidelines sufficient to simultaneously meet said spending flexibility guidelines and said investment guidelines, responsive to said responsive to said spending balance, to said spending flexibility signal, to said investment balance, and to said investment signal.
Claim 25
Dependent Claim
48 words
A computer system as in claim 21, comprising an output device coupled to said processor; wherein said report component is coupled to said output device, and disposed to generate a report to an account manager associated with said investment account, said report describing said investment guidelines after alteration.
Claim 26
Dependent Claim
81 words
A computer system as in claim 16, wherein said account management program comprises a report component coupled to said spending component, to said spending flexibility signal, to said investment component, to said investment signal; and wherein said report component is disposed to relax said, spending flexibility guidelines by an amount sufficient to simultaneously meet said spending flexibility guidelines and said investment guidelines, responsive to said spending balance, to said spending flexibility signal, to said investment balance, and to said investment signal.
Claim 27
Dependent Claim
73 words
A computer system as in claim 16, wherein said account monitoring component comprises means for altering said spending flexibility guidelines or said investment guidelines responsive to an average, for a selected time period, of one of the following: a payment amount from an account holder associated with said spending component, said spending balance, a spending amount, said investment balance, an return on said investment balance, a variance of returns on said investment balance.
Claim 28
Dependent Claim
84 words
A computer system as in claim 16, wherein said account monitoring component comprises means for directing said processor to determine an expected investment return, responsive to said investment guidelines; means for directing said processor to compare said expected investment return with said investment guidelines; and means for directing said processor to generate said investment signal responsive to a result of a comparison performed by said processor responsive to said means for directing said processor to compare said expected investment return with said investment guidelines.
Claim 29
Dependent Claim
66 words
A computer system as in claim 16, wherein said account monitoring component comprises means for monitoring expected inflows and expected outflows associated with said account; and means for altering said spending flexibility guidelines or said investment guidelines responsive to said expected inflows and expected outflows, whereby said spending flexibility signal or said investment signal are generated responsive to changes in said expected inflows and expected outflows.
Claim 30
Dependent Claim
31 words
A computer system as in claim 16, wherein said set of investment guidelines are selected from a group comprising known cash returns, known maturity dates, known percent returns, and combinations thereof.
Claim 31
Dependent Claim
42 words
A computer system as in claim 16, wherein said set of spending flexibility guidelines are selected from the group comprising known cash loan buffers, known interest rates, known payment rates, known percent of account size loan buffers, and combinations and derivatives thereof.
Claim 32
Independent Claim
304 words
A method of operating a computer system for managing and tracking an investment and spending account, said method comprising the steps of loading account information associated with an account into a memory; coupling a processor to said memory, and disposing said processor to process said account information and to process at least one transaction associated with said account; loading a set of investment guidelines associated with said account and a set of spending flexibility guidelines associated with said account into said memory; directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines, said directing said processor to determine step comprises the steps of: directing said processor to determine an expected investment return, responsive to said investment guidelines; directing said processor to compare said expected investment return with said investment guidelines; and directing said processor to define said first condition responsive to a result of a comparison performed by said processor responsive to said means for directing said processor to compare said expected investment return with said investment guidelines; directing said processor to determine, responsive to said account information, a second condition for raising a second signal associated with said spending flexibility guidelines, said directing said processor to determine step comprises the steps of: directing said processor to determine an expected investment return, responsive to said investment guidelines; directing said processor to compare said expected investment return with said investment guidelines; and directing said processor to define said second condition responsive to a result of a comparison performed by said processor responsive to said means for directing said processor to compare said expected investment return with said investment guidelines; and directing said processor to raise said first signal or said signal, responsive to said account information and said at least one transaction.
Claim 33
Independent Claim
304 words
A method of operating a computer system for managing and tracking an investment and spending account, said method comprising the steps of loading account information associated with an account into a memory; coupling a processor to said memory, and disposing said processor to process said account information and to process at least one transaction associated with said account; loading a set of investment guidelines associated with said account and a set of spending flexibility guidelines associated with said account into said memory; directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines, said directing said processor to determine step comprises the steps of: directing said processor to determine an expected investment return, responsive to said investment guidelines; directing said processor to compare said expected investment return with said investment guidelines; and directing said processor to define said first condition responsive to a result of a comparison performed by said processor responsive to said means for directing said processor to compare said expected investment return with said investment guidelines; directing said processor to determine, responsive to said account information, a second condition for raising a second signal associated with said spending flexibility guidelines, said directing said processor to determine step comprises the steps of: directing said processor to determine an expected investment return, responsive to said investment guidelines; directing said processor to compare said expected investment return with said investment guidelines; and directing said processor to define said second condition responsive to a result of a comparison performed by said processor responsive to said means for directing said processor to compare said expected investment return with said investment guidelines; and directing said processor to raise said first signal or said signal, responsive to said account information and said at least one transaction.
Claim 34
Dependent Claim
30 words
A method as in claim 29, further comprising the step of directing said processor to indicate suggested adjustments to said account, responsive to said first signal or said second signal.
Claim 35
Dependent Claim
24 words
A method as in claim 30, wherein said suggested adjustments to said account comprise account statements to an account holder associated with said account.
Claim 36
Dependent Claim
24 words
A method as in claim 30, wherein said suggested adjustments to said account comprise investment statements to an account manager associated with said account.
Claim 37
Dependent Claim
22 words
A method as in claim 29, further comprising the steps of communicating with an account holder; and communicating with an account manager.
Claim 38
Dependent Claim
54 words
A method as in claim 29, further comprising the steps of monitoring expected inflows and expected outflows associated with said account; and altering said account information responsive to said expected inflows and expected outflows, whereby said first signal or said second signal are raised responsive to changes in said expected inflows and expected outflows.
Claim 39
Dependent Claim
33 words
A method as in claim 29, further comprising the step of selecting said set of investment guidelines from a group comprising known cash returns, known maturity dates, known percent returns, and combinations thereof.
Claim 40
Dependent Claim
44 words
A method as in claim 29, further comprising the step of selecting said set of spending flexibility guidelines from the group comprising known cash loan buffers, known interest rates, known payment rates, known percent of account size loan buffers, and combinations and derivatives thereof.
Claim 41
Independent Claim
129 words
A method of operating a computer system for managing and tracking an investment and spending account, said method comprising the steps of: loading an account database, said account database comprising at least one account, into a memory; loading a set of investment guidelines associated with said account and a set of spending flexibility guidelines associated with said account into said memory; coupling a processor to said memory; directing said processor to execute an account management program in said memory; directing said processor to receive a transaction; directing said processor to update said account responsive to said transaction; and coupling a communication link to said processor; coupling an account card to said communication link; receiving information using said account card about said account from said processor using said communication link.
Claim 42
Independent Claim
129 words
A method of operating a computer system for managing and tracking an investment and spending account, said method comprising the steps of: loading an account database, said account database comprising at least one account, into a memory; loading a set of investment guidelines associated with said account and a set of spending flexibility guidelines associated with said account into said memory; coupling a processor to said memory; directing said processor to execute an account management program in said memory; directing said processor to receive a transaction; directing said processor to update said account responsive to said transaction; and coupling a communication link to said processor; coupling an account card to said communication link; receiving information using said account card about said account from said processor using said communication link.
Claim 43
Dependent Claim
14 words
A method as in claim 37, further comprising the step of displaying said information.
Claim 44
Dependent Claim
81 words
A method as in claim 37, further comprising the steps of: directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines; directing said processor to determine, responsive to said account information, a second condition for raising a second signal associated with said spending flexibility guidelines; and directing said processor to raise said first signal or said signal, responsive to said account information and said at least one transaction.
Claim 45
Dependent Claim
47 words
A method as in claim 37, wherein said account comprises a spending component and an investment component; and comprising the step of directing said processor to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component.
Claim 46
Dependent Claim
32 words
A method as in claim 37, wherein said step of receiving information using said account card comprises the step of writing said information in a writable card memory for said account card.
Claim 47
Independent Claim
211 words
A method for operating a computer system for managing and tracking an investment and spending account, said method comprising the steps of: loading an account database into a memory, said account database comprising at least one account, said account comprising a spending component and an investment component, said spending component having a spending balance and a set of spending guidelines, and said investment component having an investment balance and a set of investment guidelines; coupling a processor to said memory, and directing said processor to execute an account management program in said memory; coupling an input device to said processor; directing said processor to receive a transaction from said input device; directing said processor to update said account responsive to said transaction; directing said processor to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component; and directing said processor to alter said spending flexibility guidelines or said investment guidelines responsive to an average for a selected time period of one of the following: a payment amount from an account holder associated with said spending component, said spending balance, a spending amount, said investment balance, a return on said investment balance, or a variance of returns on said investment balance.
Claim 48
Independent Claim
211 words
A method for operating a computer system for managing and tracking an investment and spending account, said method comprising the steps of: loading an account database into a memory, said account database comprising at least one account, said account comprising a spending component and an investment component, said spending component having a spending balance and a set of spending guidelines, and said investment component having an investment balance and a set of investment guidelines; coupling a processor to said memory, and directing said processor to execute an account management program in said memory; coupling an input device to said processor; directing said processor to receive a transaction from said input device; directing said processor to update said account responsive to said transaction; directing said processor to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component; and directing said processor to alter said spending flexibility guidelines or said investment guidelines responsive to an average for a selected time period of one of the following: a payment amount from an account holder associated with said spending component, said spending balance, a spending amount, said investment balance, a return on said investment balance, or a variance of returns on said investment balance.
Claim 49
Dependent Claim
50 words
A method as in claim 42, further comprising the step of directing said processor to alter said investment guidelines sufficient to simultaneously meet said spending flexibility guidelines and said investment guidelines, responsive to said spending balance, to said spending flexibility signal, to said investment balance, and to said investment signal.
Claim 50
Dependent Claim
35 words
A method as in claim 43, further comprising the step of directing said processor to generate a report to an account manager associated with said investment account, said report describing said investment guidelines after alteration.
Claim 51
Dependent Claim
42 words
A method as in claim 42, wherein said spending component further comprises: a set of actions associated with failure to meet said spending guidelines; and said investment component further comprises a set of actions associated with failure to meet said investment guidelines.
Claim 52
Dependent Claim
76 words
A method as in claim 45, further comprising the steps of: directing said processor to determine an expected investment return, responsive to said investment guidelines; directing said processor to compare said expected investment return with said investment guidelines; and directing said processor to generate said investment signal responsive to a result of a comparison performed by said processor responsive to said means for directing said processor to compare said expected investment return with said investment guidelines.
Claim 53
Dependent Claim
33 words
A method as in claim 45, further comprising the step of directing said processor to generate a report to an account holder associated with said spending component responsive to said spending flexibility signal.
Claim 54
Dependent Claim
71 words
A method in claim 45, further comprising the step of directing said processor to generate a report to an account holder associated with said spending component, said report directing said account holder to increase said spending balance by an amount sufficient to simultaneously meet said spending flexibility guidelines and said investment guidelines, responsive to said spending balance, to said spending flexibility signal, to said investment balance, and to said investment signal.
Claim 55
Dependent Claim
32 words
A method as in claim 45 further comprising the step of directing said processor to generate a report to an account manger associated with said investment component responsive to said investment single.
Claim 56
Dependent Claim
54 words
A method as in claim 45 further comprising the step of directing said processor to relax said spending flexibility guidelines by an amount sufficient to simultaneously meet said spending flexibility guidelines and said investment guidelines, responsive to said spending balance, to said spending flexibility signal, to said investment balance, and to said investment signal.
Claim 57
Dependent Claim
38 words
A method as in claim 45 further comprising the comprising the step of directing said processor to generate a report to an account holder associated with said spending account, said report describing said spending flexibility guidelines after relaxation.
Claim 58
Dependent Claim
42 words
A method as in claim 45 further comprising the steps of directing said processor to monitor expected inflows and expected outflows, whereby said spending flexibility signal or said investment signal are generated responsive to change in said expected inflows and expected outflows.
Claim 59
Dependent Claim
33 words
A method as in claim 45 further comprising the step of selecting said set of investments guidelines from a group comprising known cash returns, known maturity dates, known percent returns, and combination thereof.
Claim 60
Dependent Claim
44 words
A method as in claim 50 further comprising the step of selecting said set of spending flexibility guidelines from the group comprising known cash loan buffers, known interest rates, known payment rates, known percent of account size loan buffers, and combinations and derivatives thereof.
Claim 61
Dependent Claim
191 words
A computer system for managing and tracking an investment and spending account, said system comprising: a memory, said memory comprising an account database, a set of investment guidelines, a set of spending flexibility guidelines, said account database comprising at least one account, said at least one account having an investment account that is associated with said investment guidelines and a spending account that is associated with set of spending flexibility guidelines, said investment guidelines and said spending flexibility guidelines coordinated to obtain a selected rate of return; a processor coupled to say memory, said processor comprising means for executing an account management program in said memory; an input device coupled to said processor; said account management program comprising an information receipt component disposed to receive a transaction from from said input device; said account management program comprising a transaction processing component disposed to update said account responsive to said transaction; and a communication link coupled to said processor; a terminal disposed for coupling to said communication link, said terminal coupled to a vending device and disposed to trigger said vending device upon receipt of a signal representative of a financial transaction.
Claim 62
Dependent Claim
191 words
A computer system for managing and tracking an investment and spending account, said system comprising: a memory, said memory comprising an account database, a set of investment guidelines, a set of spending flexibility guidelines, said account database comprising at least one account, said at least one account having an investment account that is associated with said investment guidelines and a spending account that is associated with set of spending flexibility guidelines, said investment guidelines and said spending flexibility guidelines coordinated to obtain a selected rate of return; a processor coupled to say memory, said processor comprising means for executing an account management program in said memory; an input device coupled to said processor; said account management program comprising an information receipt component disposed to receive a transaction from from said input device; said account management program comprising a transaction processing component disposed to update said account responsive to said transaction; and a communication link coupled to said processor; a terminal disposed for coupling to said communication link, said terminal coupled to a vending device and disposed to trigger said vending device upon receipt of a signal representative of a financial transaction.
Claim 63
Dependent Claim
29 words
A computer system as in claim 55, comprising an account card comprising means for receiving information about said account from said processor using said communication link and said terminal.
Claim 64
Dependent Claim
27 words
A computer system as in claim 56, wherein said account card comprises a writable card memory and means for writing said information in said writable card memory.
Claim 65
Dependent Claim
21 words
A computer system as in claim 56, comprising a display coupled to said account card and disposed to display said information.
Claim 66
Dependent Claim
52 words
A computer system as in claim 56, wherein said account comprises a spending component and an investment component; and wherein said account management program comprises an account monitor component disposed to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component.
Claim 67
Dependent Claim
31 words
A computer system as in claim 56, wherein said memory comprises a set of investment guidelines associated with said account and a set of spending flexibility guidelines associated with said account.
Claim 68
Dependent Claim
84 words
A computer system as in claim 60, comprising means for directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines; means for directing said processor to determine, responsive to said account information, a second condition for raising a second signal associated with said spending flexibility guidelines; and means for directing said processor to raise said first signal or said signal, responsive to said account information ant said at least one transaction.
Claim 69
Dependent Claim
21 words
A computer system as in claim 55, comprising a display coupled to said terminal and disposed to display said financial transaction.
Claim 70
Dependent Claim
52 words
A computer system as in claim 55, wherein said account comprises a spending component and an investment component; and wherein said account management program comprises an account monitor component disposed to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component.
Claim 71
Dependent Claim
31 words
A computer system as in claim 55, wherein said memory comprises a set of investment guidelines associated with said account and a set of spending flexibility guidelines associated with said account.
Claim 72
Dependent Claim
84 words
A computer system as in claim 64, comprising: means for directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines; means for directing said processor to determine, responsive to said account information, a second condition for raising a second signal associated with said spending flexibility guidelines; and means for directing said processor to raise said first signal or said signal, responsive to said account information and said at least one transaction.
Claim 73
Independent Claim
159 words
A method of operating a computer system for managing and tracking an investment and spending account, said method comprising the steps of: loading an account database, said account database comprising at least one account, into a memory said at least one account having an investment account and a spending account, said memory comprising a set of investment guidelines associated with said investment account and a set of spending flexibility guidelines associated with said spending account, said investment guidelines and said spending flexibility guidelines coordinated to obtain a selected rate of return; coupling a processor to said memory; coupling an input device to said processor; receiving a transaction from said input device; updating said account responsive to said transaction; coupling a communication link to said processor; and coupling a terminal to said communication link and to a vending device, receiving a signal representative of a financial transaction at said terminal, and triggering said vending device upon receipt of said signal.
Claim 74
Independent Claim
159 words
A method of operating a computer system for managing and tracking an investment and spending account, said method comprising the steps of: loading an account database, said account database comprising at least one account, into a memory said at least one account having an investment account and a spending account, said memory comprising a set of investment guidelines associated with said investment account and a set of spending flexibility guidelines associated with said spending account, said investment guidelines and said spending flexibility guidelines coordinated to obtain a selected rate of return; coupling a processor to said memory; coupling an input device to said processor; receiving a transaction from said input device; updating said account responsive to said transaction; coupling a communication link to said processor; and coupling a terminal to said communication link and to a vending device, receiving a signal representative of a financial transaction at said terminal, and triggering said vending device upon receipt of said signal.
Claim 75
Dependent Claim
30 words
A method as in claim 66, further comprising the step of receiving information about said account from said processor using said communication link and said terminal at an account card.
Claim 76
Dependent Claim
23 words
A method as in claim 67, further comprising the step of writing said information in a writable card memory at said account card.
Claim 77
Dependent Claim
21 words
A method as in claim 67, further comprising a display coupled to said account card and disposed to display said information.
Claim 78
Dependent Claim
51 words
A method as in claim 67, wherein said account comprises a spending component and an investment component; and wherein said account management program comprises an account monitor component disposed to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component.
Claim 79
Dependent Claim
30 words
A method as in claim 67, wherein said memory comprises a set of investment guidelines associated with said account and a set of spending flexibility guidelines associated with said account.
Claim 80
Dependent Claim
84 words
A method as in claim 67, further comprising means for directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines; means for directing said processor to determine, responsive to said account information, a second condition for raising a second signal associated with said spending flexibility guidelines; and means for directing said processor to raise said first signal or said signal, responsive to said account information and said at least one transaction.
Claim 81
Dependent Claim
21 words
A method as in claim 72, further comprising a display coupled to said terminal and disposed to display said financial transaction.
Claim 82
Dependent Claim
51 words
A method as in claim 72, wherein said account comprises a spending component and an investment component; and wherein said account management program comprises an account monitor component disposed to generate a spending flexibility signal responsive to said spending component or to generate an investment signal responsive to said investment component.
Claim 83
Dependent Claim
30 words
A method as in claim 72, wherein said memory comprises a set of investment guidelines associated with said account and a set of spending flexibility guidelines associated with said account.
Claim 84
Dependent Claim
83 words
A method as in claim 75, comprising means for directing said processor to determine, responsive to said account information, a first condition for raising a first signal associated with said investment guidelines; means for directing said processor to determine, responsive to said account information, a second condition for raising a second signal associated with said spending flexibility guidelines; and means for directing said processor to raise said first signal or said signal, responsive to said account information and said at least one transaction.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2001-04-27 | 2001-10-27 | 2002-04-28 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2005-04-27 | 2005-10-27 | 2006-04-28 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2009-04-27 | 2009-10-27 | 2010-04-28 | $7700.00 | Window Closed / Lapsed |