Patents by Inventor Andrew R. Heiges

Andrew R. Heiges 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).

  • Patent number: 8005742
    Abstract: Analyzing educational saving plans by considering the tax implications of these plans is provided by storing a plurality of educational institution identifiers and a plurality of educational savings plan parameter sets. Each of the educational institution identifiers is associated with a corresponding set of cost parameters specifying room, board, and tuition costs for the respective educational institution. Each of the educational savings plan parameter sets specifies a characteristic of a corresponding educational savings plan. A comparative analysis of educational savings plans is generated by applying a retrieved set of cost parameters for each educational plan parameter sets. This comparative analysis takes into consideration tax implications of an educational savings plan. The results of the comparative analysis are outputted on a display and/or printout so that an investor can determine which of the plurality of educational savings plans best meets their needs.
    Type: Grant
    Filed: January 25, 2010
    Date of Patent: August 23, 2011
    Assignee: Bank of America Corporation
    Inventors: Andrew R. Heiges, Robert Kron, Steve Monical
  • Publication number: 20100125536
    Abstract: Analyzing educational saving plans by considering the tax implications of these plans is provided by storing a plurality of educational institution identifiers and a plurality of educational savings plan parameter sets. Each of the educational institution identifiers is associated with a corresponding set of cost parameters specifying room, board, and tuition costs for the respective educational institution. Each of the educational savings plan parameter sets specifies a characteristic of a corresponding educational savings plan. A comparative analysis of educational savings plans is generated by applying a retrieved set of cost parameters for each educational plan parameter sets. This comparative analysis takes into consideration tax implications of an educational savings plan. The results of the comparative analysis are outputted on a display and/or printout so that an investor can determine which of the plurality of educational savings plans best meets their needs.
    Type: Application
    Filed: January 25, 2010
    Publication date: May 20, 2010
    Applicant: Merrill Lynch & Co. Inc.
    Inventors: Andrew R. Heiges, Robert Kron, Steve Monical
  • Patent number: 7698194
    Abstract: Analyzing educational saving plans by considering the tax implications of these plans is provided by storing a plurality of educational institution identifiers and a plurality of educational savings plan parameter sets. Each of the educational institution identifiers is associated with a corresponding set of cost parameters specifying room, board, and tuition costs for the respective educational institution. Each of the educational savings plan parameter sets specifies a characteristics of a corresponding educational savings plan. A comparative analysis of educational savings plans is generated by applying a retrieved set of cost parameters for each educational plan parameter set. This comparative analysis takes into consideration tax implications of an educational savings plan. The results of the comparative analysis are outputted on a display and/or printout so that an investor can determine which of the plurality of educational savings plans best meets their needs.
    Type: Grant
    Filed: January 2, 2004
    Date of Patent: April 13, 2010
    Assignee: Merrill Lynch Co., Inc.
    Inventors: Andrew R. Heiges, Robert Kron, Steve Monical
  • Publication number: 20040236652
    Abstract: Novel computerized methods are described for illustrating and analyzing educational saving plans by considering the tax implications of these plans. The method is for use with a computer-readable medium on which are stored a plurality of respective educational institution identifiers and a plurality of educational savings plan parameter sets. Each of the educational institution identifiers is associated with a corresponding set of cost parameters specifying at least one of room, board, and tuition costs for the respective educational institution. Each of the educational savings plan parameter sets specifies one or more characteristics of a corresponding educational savings plan. The method includes the steps of receiving at least one educational institution identifier and, for each of the received identifiers, retrieving the corresponding set of cost parameters from the computer-readable medium.
    Type: Application
    Filed: January 2, 2004
    Publication date: November 25, 2004
    Applicant: Merrill Lynch & Co., Inc.
    Inventors: Andrew R. Heiges, Robert Kron, Steve Monical