Apparatus for maximizing interest earnings and providing payments from principal without interest penalty
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United States of America Patent
Stats
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Nov 4, 1980
Grant Date -
N/A
app pub date -
Jun 12, 1978
filing date -
Jun 12, 1978
priority date (Note) -
Expired
status (Latency Note)
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Abstract
A calculator apparatus is provided for computing minimum principal amounts for deposit into demand (passbook) accounts and into term (certificate-of-deposit) accounts paying interest at differing rates. The computed minimum principal amounts not only satisfy the minimum deposit requirements of the term accounts but, when deposited, provide both maximum interest earnings and payments from principal, without interest penalty ordinarily associated with early withdrawals. The apparatus comprises a keyboard, a read-write memory, a logic unit, a printer, and a display unit. The logic unit includes an arithmetic unit having a plurality of data storage registers and a read-only-memory with a stored program. The apparatus computes the minimum principal amounts in accordance with the stored program and in response to entered data.
First Claim
Family
- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
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International Classification(s)
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
---|---|---|---|
Robertson, Charles S | 1116 E. Rose Cir., Los Altos, CA 94022 | 2 | 216 |
Youden, Robert H | 715 DeSoto Dr., Palo Alto, CA 94303 | 1 | 109 |
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Maintenance Fees
Fee | Large entity fee | small entity fee | micro entity fee | due date |
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Fee | Large entity fee | small entity fee | micro entity fee |
---|---|---|---|
Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |
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