Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2007-11-27
2007-11-27
Dass, Harish T. (Department: 3693)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
36
Reexamination Certificate
active
10092279
ABSTRACT:
This invention includes methods and systems for providing participants in benefit plans with loans related to the participants' vested assets in the benefit plans. Administrative systems of this invention provide for loan-fund account setup and modification, manage account use, interface to established access vehicles (check, credit card, debit card, wire transfer, ACH, sweeps, ATMs, etc.), as well as to established benefit-plan management systems. Methods of this invention manage participant loans in accordance with statutes, regulations, and policies applicable in relevant jurisdictions. Overall, this invention provides participants low cost financing using tax-advantaged assets which is particularly useful to individuals without other access to alternative low cost credit.
REFERENCES:
patent: 4114027 (1978-09-01), Slater et al.
patent: 4194242 (1980-03-01), Robbins
patent: 4346442 (1982-08-01), Musmanno
patent: 4718009 (1988-01-01), Cuervo
patent: 4739478 (1988-04-01), Roberts et al.
patent: 4742457 (1988-05-01), Leon et al.
patent: 4910676 (1990-03-01), Alldredge
patent: 5025138 (1991-06-01), Cuervo
patent: 5206803 (1993-04-01), Vitagliano et al.
patent: 5214579 (1993-05-01), Wolfberg et al.
patent: 5323315 (1994-06-01), Highbloom
patent: 5689100 (1997-11-01), Carrithers et al.
patent: 5878405 (1999-03-01), Grant et al.
patent: 5884285 (1999-03-01), Atkins
patent: 5933817 (1999-08-01), Hucal
patent: 5950179 (1999-09-01), Buchanan et al.
patent: 6018723 (2000-01-01), Siegel et al.
patent: 6052673 (2000-04-01), Leon et al.
patent: 6105007 (2000-08-01), Norris
patent: 6112188 (2000-08-01), Hartnett
patent: 6122625 (2000-09-01), Rosen
patent: 6148293 (2000-11-01), King
patent: 2004/0138972 (2004-07-01), Mendelsohn
Stanley L. Iezman “Operating Pension Funds In Compliance With ERISA Procedures:How to avoid a Department of Labor audit: A primer for lawyers.” webpage 1999-00.
Borleis et al. (Borleis, Melvin W; Carlson, Cynthia A “Loan administration in 401K plans”; Benefits Quaterly v11 n2 pp. 67-75 second quarter 1995) total of 11 pages.
Reserve Financial Web Site, Reserve Solutions Inc., Innovative Financial Products, Archive org Versions of equityloancard.com, 7 Sheets, (Internet Archive Wayback Machine).
Reserve Financial Web Site, Reserve Solutions Inc., Innovative Financial Products, Archive org Versions of reservesolutions.com, 14 Sheets, (Internet Archive Wayback Machine).
The TM file for Reserve Advantage Applications from PTO, Serial No. 78559556, Word Mark: Reserveadvantage Program, 20 Sheets.
The TM file for Reserveadvantage Applications from PTO, Serial No. 78444717, Word Mark: Reserveadvantage Program, 11 Sheets.
Bent Bruce
Bent, II Bruce
Vernaglia Mark
Dass Harish T.
Foley & Lardner LLP
Reserve Management Corporation
LandOfFree
Systems and methods for providing loan management from cash... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Systems and methods for providing loan management from cash..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Systems and methods for providing loan management from cash... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-3818540