Patents by Inventor Ernesto Fernandez-Holmann

Ernesto Fernandez-Holmann 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).

  • Credit-card based retirement fund system and method
    Patent number: 5787404
    Abstract: A method and system for providing an investment fund, such as a long term investment fund which may be suitable for retirement purposes, comprising the steps of establishing a credit based account with a credit card issuer for the benefit of a credit card holder, providing an investment account with a financial institution for the benefit of the credit card holder, funding the investment account by the credit card issuer with a predetermined amount of money on a periodic basis, and charging an amount of money so funded against the credit based account of the credit card holder.
    Type: Grant
    Filed: November 21, 1995
    Date of Patent: July 28, 1998
    Inventor: Ernesto Fernandez-Holmann