Patents by Inventor Thomas Musmanno

Thomas Musmanno 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).

  • Integrated nested account financial system with medical savings subaccount
    Patent number: 7133840
    Abstract: A computer system for managing a plurality of accounts, each the accounts being separated into a master account and at least one subaccount associated therewith, and at least one of the subaccount being a medical saving account (MSA). Each subaccount incorporates a subset of features available for the master account, the features corresponding to the specific needs dictated by the purpose of the subaccount. The purpose of a subaccount, in addition to being an MSA, can include regular payments (e.g., mortgage and other loans), credit/debit card, retirement account, and the like.
    Type: Grant
    Filed: July 18, 2000
    Date of Patent: November 7, 2006
    Inventors: Janine S. Kenna, Patrick B. Butler, Thomas Musmanno, Kelly Ur
  • Integrated nested account financial system with medical savings subaccount
    Patent number: 6108641
    Abstract: A computer system for managing a plurality of accounts, each of the accounts being separated into a master account and at least one subaccount associated therewith, and at least one subaccount being a medical savings account (MSA). Each subaccount incorporates a subset of features available for the master account, the features corresponding to the specific needs dictated by the purpose of the subaccount. The purpose of a subaccount, in addition to being an MSA, can include regular payments (e.g., mortgage and other loans), credit/debit card, retirement account, and the like.
    Type: Grant
    Filed: October 14, 1998
    Date of Patent: August 22, 2000
    Assignee: Merrill Lynch, Pierce, Fenner & Smith
    Inventors: Janine S. Kenna, Patrick B. Butler, Thomas Musmanno, Kelly Ur
  • Integrated system for controlling master account and nested subaccount(s)
    Patent number: 5826243
    Abstract: Data processing for an improved securities brokerage/cash management system which supervises, implements and coordinates a composite account having a master account and one or more subaccount(s). The nested subaccounts incorporate a subset of features corresponding to the specific needs dictated by the purpose of the subaccount and thus streamline system operation for the recordkeeper.
    Type: Grant
    Filed: January 3, 1994
    Date of Patent: October 20, 1998
    Assignee: Merrill Lynch & Co., Inc.
    Inventors: Thomas Musmanno, Kelly Ur