[54] INTEGRATED NESTED ACCOUNT
FINANCIAL SYSTEM WITH MEDICAL
SAVINGS SUBACCOUNT
[75] Inventors: Janine S. Kenna, Princeton, N.J.;
Patrick B. Butler, London, United
Kingdom; Thomas Musmanno,
Warren; Kelly Ur, Brunswick, both of
N.J.
[73] Assignee: Merrill Lynch, Pierce, Fenner &
Smith, New York, N Y
[ * ] Notice: This patent is subject to a terminal disclaimer.
[21] Appl. No.: 09/172,796 [22] Filed: Oct. 14, 1998
Related U.S. Application Data
[63] Continuation-in-part of application No. 08/176,207, Jan. 3, 1994, Pat. No. 5,826,243, which is a continuation-in-part of application No. 08/586,288, Jan. 16, 1996, abandoned.
[51] Int. C I. G06F 17/60
[52] U.S. CI 705/35; 705/2
[58] Field of Search 705/2, 35
[56] References Cited
U.S. PATENT DOCUMENTS
5,826,243 10/1998 Musmanno et al 705/35
OTHER PUBLICATIONS
Anonymous, "IRS Approves Proposal to Create New Medical Savings Account Product", Tax Management Compensation Planning Journal, vol. 26, No 7, pp. 169-170, Jul. 3, 1998.
"Wells Fargo Teams With NFIB to Offer Medical Savings Accounts to Small Businesses; Parternership Helps Contain Health Care Costs of Small Businesses", Business Wire, p. 06240040, Jun. 24, 1997.
Jeffrey, Nancy Ann, "Your Money Matters: Weekend Report: New Medical Plans for Small Businesses Carry Investment Options, But Also Risks", The Wall Street Journal, p. C, 1:3 (start page). Jan. 3, 1997.
Ferrara, Peter J., "Medical Savings Accounts: A Solution to Finance Health Care?", USA Today (Magazine), vol. 124, No. 2612 pp. 24(4), May 1996.
Secretary of State, "Montana Department of Revenue Proposes Adoption of Medical Savings Account Rules", Administrative Rules and Regulations (SRG), 96 STN 13-21 Jan. 1, 1996.
