Brent Wolfberg

57457069, Apr 28, 1998

Dec 30, 1994

8/367505

Larry Wolfberg - Los Angeles CA
Brent Wolfberg - Los Angeles CA

G06F 1760

395235

A method, computer system and equipment for managing an investment and spending account, so as to achieve selected guidelines for spending flexibility and investment returns. A computer system, for recording account information and a processor for processing account data and transactions associated with the account, implements a combined spending and investment account, by which an account holder achieves a selected degree of spending flexibility and a selected investment return. The computer system monitors inflows to and outflows from the account, and investment returns achieved for the account, and indicates when adjustments to the account are required to achieve the selected investment guidelines while presenting the account holder with the selected spending flexibility. The computer system associates a spending account with a related investment account, so that the account holder may access the spending account within the spending flexibility guidelines, while an account manager, either a human being or a computer program such as an artificial intelligence, controls the associated investment account within the investment guidelines. The computer system tracks and monitors the resources available in the spending account and the investment account, and responsive thereto, presents the account manager with signals indicating whether investment adjustments are suggested for meeting the investment guidelines and while still permitting outflows within the spending account according to the spending flexibility guidelines.

52106870, May 11, 1993

Feb 15, 1991

7/655990

Larry Wolfberg - Honolulu HI
Brent A. Wolfberg - Los Angeles CA
Jan E. Rhoads - Virginia Beach VA

L & C Family Partnership - Century City CA

G06F 1542

364408

A data processing system is disclosed which monitors client's business orders over time and based upon predetermined criteria determines the client's vested interest in funds deposited into special client accounts. The business order data is stored in uniquely formatted client account files. In addition, a vesting account file stores summary data encompassing all the client files. The data processing system updates and keeps track of client's vesting rights which are subject to change over time. The data processing system's ability to track these and many other conditions is enhanced by a unique set of control status words which control software flow and which are utilized to visually flag important statuses.

49949640, Feb 19, 1991

Apr 16, 1987

7/039196

Larry Wolfberg - Honolulu HI
Brent A. Wolfberg - Los Angeles CA
Jan E. Rhoads - Virginia Beach VA

L & C Family Partnership

G06F 1521

364408

A data processing system is disclosed which monitors client's business orders over time and based upon predetermined criteria determines the client's vested interest in funds deposited into special client accounts. The business order data is stored in uniquely formatted client account files. In addition, a vesting account file stores summary data encompassing all the client files. The data processing system updates and keeps track of client's vesting rights which are subject to change over time. The data processing system's ability to track these and many other conditions is enhanced by a unique set of control status words which control software flow and which are utilized to visually flag important statuses.

48856851, Dec 5, 1989

Sep 18, 1987

7/098631

Larry Wolfberg - Honolulu HI
Brent Wolfberg - Los Angeles CA
Jan E. Rhoads - Virginia Beach VA

L & C Family Partnership - Honolulu HI

G06F 1530

364401

A data processing system is disclosed which tracks each client's cumulative travel usage over time for the purpose of authorizing travel requests and ensuring a predetermined minimum return on an initial investment base. Such variables as frequency of use and level of service (i. e. , first class, coach, etc. ) are translated into cumulative cost figures which are carefully tracked and compared with a "travel ceiling. " This ceiling is actually a constantly varying reference base line of maximum expanditures/usage available to the client at any given time to stay on course to achieve an expected return on the initial investment. The air travel related data is stored in uniquely formatted client account files which may be readily accessed and displayed. The data processing system's ability to track many travel related conditions is enhanced by a unique set of control status words which control software flow and which are utilized to visually flag important status conditions.

52145794, May 25, 1993

Dec 22, 1989

7/456638

Larry Wolfberg - Honolulu HI
Jan E. Rhoads - Virginia Beach VA
Brent A. Wolfberg - Los Angeles CA

L & C Family Partnership - Century City CA

G06F 1521
G06F 1530

364408

A data processing system is disclosed which manages, monitors and reports the growth of a participant's investment base with respect to progress towards achieving a predetermined target amount selected by the participant. Additionally, the data processing system monitors and controls a wide variety of financial services which are provided to the participant such as check writing and borrowing privileges as well as insurance benefits. The growth of a participant's initial as may be supplemented by monthly investments is tracked and interpreted based on criteria and projections which are periodically made and which reflect how well the account is progressing towards achieving the target amount. In this regard, the time frame that it will take for the account to reach the target amount at the current account growth rate is projected at periodic intervals, e. g. , monthly. The impact on such a time frame of accentuated payments, e. g.