Patents by Inventor Steve Elterich

Steve Elterich 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).

  • Publication number: 20140143140
    Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.
    Type: Application
    Filed: January 27, 2014
    Publication date: May 22, 2014
    Applicant: FMR LLC
    Inventor: Steve Elterich
  • Publication number: 20140129402
    Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.
    Type: Application
    Filed: January 14, 2014
    Publication date: May 8, 2014
    Applicant: FMR LLC
    Inventors: John McDonough, Steve Elterich
  • Patent number: 8676687
    Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.
    Type: Grant
    Filed: August 7, 2013
    Date of Patent: March 18, 2014
    Assignee: FMR LLC
    Inventors: John McDonough, Steve Elterich
  • Patent number: 8666887
    Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.
    Type: Grant
    Filed: October 20, 2008
    Date of Patent: March 4, 2014
    Assignee: FMR LLC
    Inventor: Steve Elterich
  • Publication number: 20130325751
    Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.
    Type: Application
    Filed: August 7, 2013
    Publication date: December 5, 2013
    Inventors: John McDonough, Steve Elterich
  • Patent number: 8527382
    Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.
    Type: Grant
    Filed: December 17, 2003
    Date of Patent: September 3, 2013
    Assignee: FMR LLC
    Inventors: John McDonough, Steve Elterich
  • Patent number: 8121943
    Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.
    Type: Grant
    Filed: October 20, 2008
    Date of Patent: February 21, 2012
    Assignee: FMR LLC
    Inventor: Steve Elterich
  • Patent number: 8069113
    Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.
    Type: Grant
    Filed: December 17, 2003
    Date of Patent: November 29, 2011
    Assignee: FMR LLC
    Inventor: Steve Elterich
  • Patent number: 8036984
    Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.
    Type: Grant
    Filed: October 20, 2008
    Date of Patent: October 11, 2011
    Assignee: FMR LLC
    Inventor: Steve Elterich
  • Publication number: 20090055313
    Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.
    Type: Application
    Filed: October 20, 2008
    Publication date: February 26, 2009
    Inventor: Steve Elterich
  • Publication number: 20090043701
    Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.
    Type: Application
    Filed: October 20, 2008
    Publication date: February 12, 2009
    Inventor: Steve Elterich
  • Publication number: 20090043699
    Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.
    Type: Application
    Filed: October 20, 2008
    Publication date: February 12, 2009
    Inventor: Steve Elterich
  • Publication number: 20050149436
    Abstract: An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.
    Type: Application
    Filed: December 17, 2003
    Publication date: July 7, 2005
    Inventor: Steve Elterich
  • Publication number: 20050137953
    Abstract: A asset planning and tracking system plans and tracks progress towards a savings goal and analyzes the consumption of assets that are being used to satisfy the savings goal. The system may further be configured to analyze a user's periodic (e.g., monthly, quarterly, yearly) transactions and provide suggested transactions if the user has excess income for the period. An asset planning and tracking system may be implemented in the context of a retirement planning system to aid a non-retired user in planning for his or her retirement and to aid a retired user in tracking the consumption of retirement assets.
    Type: Application
    Filed: December 17, 2003
    Publication date: June 23, 2005
    Inventors: John McDonough, Steve Elterich