Patents by Inventor Mark Vernaglia

Mark Vernaglia has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Systems and methods for providing loan management from cash or deferred income arrangements
    Patent number: 7398245
    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.
    Type: Grant
    Filed: June 27, 2002
    Date of Patent: July 8, 2008
    Assignee: Reserve Solutions, Inc.
    Inventors: Bruce Bent, Bruce Bent, II, Mark Vernaglia
  • Systems and methods for providing loan management from cash or deferred income arrangements
    Patent number: 7302413
    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.
    Type: Grant
    Filed: March 6, 2002
    Date of Patent: November 27, 2007
    Assignee: Reserve Management Corporation
    Inventors: Bruce Bent, Bruce Bent, II, Mark Vernaglia
  • Systems and methods for loan management with variable security arrangements
    Publication number: 20060224480
    Abstract: A data processing system, program product, and method is provided for managing at least one credit-granting account of a participant.
    Type: Application
    Filed: March 29, 2005
    Publication date: October 5, 2006
    Inventors: Bruce Bent, Bruce Bent, Mark Vernaglia