Patents by Inventor Richard Jeremy Heap

Richard Jeremy Heap 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).

  • FINANCIAL MANAGEMENT SYSTEM, AND METHODS AND APPARATUS FOR USE THEREIN
    Publication number: 20120095887
    Abstract: The invention provides a financial management system wherein a real bank account is notionally sub-divided into virtual sub-accounts and transactions are effected between the virtual sub-accounts without affecting the operation of the real bank account, such a system allowing a customer to maintain an automatically updated model of the customer's finances within the single account, thus assisting visualization of his or her financial position, while retaining the benefit of the single account.
    Type: Application
    Filed: November 11, 2011
    Publication date: April 19, 2012
    Applicant: THE ONE ACCOUNT LIMITED
    Inventors: Anthony John MULLEN, Richard Jeremy HEAP
  • Financial management system, and methods and apparatus for use therein
    Patent number: 8082196
    Abstract: The invention provides a financial management system wherein a real bank account is notionally sub-divided into virtual sub-accounts and transactions are effected between the virtual sub-accounts without affecting the operation of the real bank account, such a system allowing a customer to maintain an automatically updated model of the customer's finances within the single account, thus assisting visualization of his or her financial position, while retaining the benefit of the single account.
    Type: Grant
    Filed: May 24, 2002
    Date of Patent: December 20, 2011
    Assignee: The One Account Limited
    Inventors: Anthony John Mullan, Richard Jeremy Heap
  • Financial management system, and methods and apparatus for use therein
    Publication number: 20030009402
    Abstract: The invention provides a financial management system wherein a real bank account is notionally sub-divided into virtual sub-accounts and transactions are effected between the virtual sub-accounts without affecting the operation of the real bank account, such a system allowing a customer to maintain an automatically updated model of the customer's finances within the single account, thus assisting visualisation of his or her financial position, while retaining the benefit of the single account.
    Type: Application
    Filed: May 24, 2002
    Publication date: January 9, 2003
    Inventors: Anthony John Mullen, Richard Jeremy Heap