Method and apparatus for benefit and financial communication
March 15, 2004. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.Patent ReferencesTransaction execution system with improved key function versatility Financial data processing system Securities valuation system System for performing transactions Transaction execution system having keyboard and message customization, improved key function versatility and message segmentation Transaction execution system having keyboard and message customization, improved key function versatility and message segmentation Key-controlled method for invoking automatic row and column addition in an interactive text processing system Securities brokerage-cash management system obviating float costs by anticipatory liquidation of short term assets Patent #: 4597046 InventorAssigneeApplicationNo. 06/590047 filed on 03/15/1984US Classes:705/36R, Portfolio selection, planning or analysis235/379, Banking systems379/93.12, Sales, ordering, or banking system707/104.1, Application of database or data structure (e.g., distributed, multimedia, image)902/39, Particular communication feature902/40Transaction* processingExaminersPrimary: Smith, JerryAssistant: Meyer, Charles B. Attorney, Agent or FirmInternational ClassG06Q 40/00 (20060101)AbstractThe disclosure relates to the method and apparatus of a communication system for enabling an employee to access information by a terminal concerning their up-to-date savings plans and the values thereof, withdrawal information, explanations of provisions, employee benefit information (e.g., group life insurance, disability coverage, vested retirement, etc.), explanations of savings plan and benefit options, and benefit news bulletins. The system is adapted to provide information to an employee dependent upon interaction by the employee, such as forecasts of accumulated values of voluntary salary savings and other deferred compensation programs, forecasts of dollar benefit of new savings plans, IRA's, the results of different combinations of benefit coverages and the implications of each variation of programs and plans, as well as the results of "what if" financial games. The system can also provide transactional services by which the benefit and financial programs can be changed by the employee in a manner that affects the existing benefit and/or financial programs, such as, savings plan option selection, moving monies from one fund to another, withdrawals, etc.Other References
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