Assignee: The Western Union Company

Location: Englewood, CO
No. of patents: 101

Number	Title	Issue Date
8175924	Presentation instrument display and activation systems and methods A method of validating and activating a purchase card includes providing a purchase card that is removably attached to a card carrier. The purchase card has an account identifier associated therewith and has a card indicium affixed thereto. The purchase card include...	05/08/2012
8152054	Money transfer systems and methods The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient a...	04/10/2012
8150763	Systems and methods for staging transactions, payments and collections The present invention relates to systems and methods for staging transactions and facilitating payments by consumers to a lender or merchant to consummate a financial transaction and/or to maintain a financial relationship. In one embodiment, a method for accepting ...	04/03/2012
8150751	Negotiable instrument electronic clearance systems and methods Methods, devices, and systems for analyzing negotiated negotiable instruments for unlawful activity are described. A computer system, including a computer readable storage device and a processor may be provided. A plurality of electronic files may be received. Each ...	04/03/2012
8131640	Method for receiving electronically transferred funds using an automated teller machine A method for performing a money transfer receive transaction involving a desired amount of money to be transferred from a sender to a recipient includes receiving transaction identifying information provided by the recipient; comparing the transaction identifying in...	03/06/2012
8099359	System and method for issuing negotiable instruments by licensed money transmitter from direct deposits Systems and methods for issuing negotiable instruments by a non-bank entity such as a Licensed Money Transmitter, from direct deposits to a regulated financial institution. A customer arranges for direct deposit of funds to a regulated financial institution, such as...	01/17/2012
8090594	Systems and methods for directing recurring financial transfer operations The present invention provides systems and methods for implementing variable financial plans. The methods can include identifying an account, and accessing an account planning tool. Characteristics associated with the account are presented to the account planning to...	01/03/2012
8086539	Value processing network and methods A method of processing a transaction involving at least two parties includes establishing rules that define transaction processing between combinations of a plurality of origination entities and a plurality of destination entities and storing the rules at a storage ...	12/27/2011
8083133	System and method for accounting for activation of stored value cards Stored value cards, such as gift cards, from different card issuers are displayed for sale and activation at retail locations. A distribution database system maintains records of cards sold at the retail locations. The system accounts to each retailer for commission...	12/27/2011
8082210	Authentication for online money transfers According to the invention, a method for processing a transaction where the transaction is initiated by a payor online, but paid to a payee in-person, is disclosed. In one step, payor information is accepted at a location that located across a wide area network from...	12/20/2011
8082195	Prepaid value account with reversion to purchaser systems and methods Systems, methods, and devices are described for a refundable prepaid transaction cards. The methods and systems include a prepaid transaction card funded with funds by a purchaser. Also included is an issuer. The issuer receives the funds a distributes a prepaid tra...	12/20/2011
8078535	Value transfer systems and methods One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchas...	12/13/2011
8078527	Methods and systems for actively optimizing a credit score and managing/reducing debt The invention provides various systems and methods for actively optimizing a credit score and reducing debt. The method includes receiving a credit report including credit accounts, balances, interest rates, and rate types for the credit accounts. The method further...	12/13/2011
8065236	Coin currency conversion systems and methods A method for converting coined money to another type of value proceeds by receiving a plurality of coins into a coin processing machine. The coins are processed with the coin processing machine to determine a value of the coins. An electronic record of the determine...	11/22/2011
8051003	Systems and methods of introducing and receiving information across a computer network One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchas...	11/01/2011
8041606	Online purchasing method According to the invention, a process for authorizing an online purchase between a customer and a vendor site is disclosed. In one step, transaction information is received from the vendor site. A new web browser window is automatically opened for the customer. A tr...	10/18/2011
8032452	Multiple-entity transaction systems and methods Methods and systems are provided for performing a funds transfer. A request to transfer funds to a recipient is received at a host system, as well as an identification of a selected funds-transfer company chosen from a group of funds-transfer companies and a request...	10/04/2011
8027916	Method and apparatus for screening financial transactions A system for screening money transfers. According to one embodiment of the invention an operator is provided with at least one prompt to request further information about an attempted money transfer. The operator can be prompted with a series of questions to facilit...	09/27/2011
8025212	Cash payment for remote transactions Methods coordinate payment for a remote transaction with a first party. An identification of the first party is received at a host system. Acknowledgment of receipt of a cash payment from a second party is received. The cash payment is associated with the identifica...	09/27/2011
8024229	Wide area network person-to-person payment According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system...	09/20/2011
8015085	System for distributing funds A system is described allowing the transfer of funds, for example, from an employer to a third-party intermediary which can distribute the funds via a payroll card to an employee. The system allows a portion of the population such as that which does not use traditio...	09/06/2011
7941346	Wide area network person-to-person payment According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system...	05/10/2011
7941342	Wide area network person-to-person payment According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system...	05/10/2011
7937322	Method and system for transferring money in business-to-business internet transactions A method for enabling two businesses to complete a transaction that includes payment from one business (the buyer) to another business (the seller). A payment enabler operates the money transfer service over a computer network of nodes, such as the Internet. Typical...	05/03/2011
7937292	Wide area network person-to-person payment According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user (110) in a stored value account on a server computer system (170). At the server computer system...	05/03/2011
7933907	Methods and systems for providing personalized frequently asked questions A method of selecting a set of questions to display comprises receiving a request from a user to access a frequently asked questions (FAQ) page. Account data for the user is retrieved. A set of questions is selected to display to the user based on the account data. ...	04/26/2011
7933835	Secure money transfer systems and methods using biometric keys associated therewith A method for transferring funds from a sender to a recipient includes receiving a request to transfer the funds from a sender; creating a transaction record having a transaction identifier; providing the transaction identifier to the sender; receiving the transactio...	04/26/2011
7930246	Method and system for transferring stored value A method and system are provided for transferring value from a value provider. A request initiated by a value owner to transfer value from the value provider to a recipient is received. An exchange provider receives the value in accordance with the request. The exch...	04/19/2011
7930216	Method for making an online payment through a payment enabler system A method for processing person-to-person payments and money requests using a computer network. A payment enabler linked to the Internet enables an individual to register for an account through which the individual can make payments to other individuals, request mone...	04/19/2011
7925589	Systems and methods for authorizing account access The present invention provides systems and methods for authorizing access to one or more financial accounts. In some cases, the methods include providing an authorization document that incorporates a passcode. A request to authorize access to an account is received ...	04/12/2011
7925576	Systems for processing transponder-based transactions The present invention includes transaction processing systems that process transactions from merchant systems designed to convert the presentation of a transponder device into electronic debits from a checking account. The transaction processing systems also can pro...	04/12/2011
7921118	Methods and systems for developing market intelligence Methods and systems are provided for characterizing market distribution for a business having multiple business representatives. The business is considered to be in competition with one or more competitors, each of which also has multiple representatives. Locations ...	04/05/2011
7917395	Wireless network access prepayment systems and methods A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be tra...	03/29/2011
7908212	Transaction settlement using value exchange systems and methods A method of settling a purchase transaction includes establishing an account on behalf of a customer. The account relates to a quantity of service and establishing the account includes establishing an exchange ratio that equates the quantity of service to a measure ...	03/15/2011
7908179	Electronic gift linking According to the invention, a method for creating an electronic greeting card enclosing an electronic gift is disclosed. In one step, the electronic greeting card selection is received from a sender along with a selection of at least one of a type of electronic gift...	03/15/2011
7905400	Systems and methods for configuring a point-of-sale system Among other things, the present invention provides a variety of systems and methods for configuring and/or providing a configurable point-of-sale system. Various methods of the present invention include providing a point-of-sale device and coupling it to a communica...	03/15/2011
7896252	Presentation instrument with user-created pin and methods for activating In one embodiment, the invention provides a method for activating a presentation instrument using a computerized network. The method utilizes a presentation instrument package that comprises a greeting card and a presentation instrument. A package identifier on the ...	03/01/2011
7895085	Electronic gift linking According to the invention, a method for creating an electronic greeting card that references a gift is disclosed. In one step, a selection of the electronic greeting card is received from a sender of that greeting card. Identification of the gift is received. A cod...	02/22/2011
7849009	Methods and apparatus for mapping sources and uses of consumer funds The present invention provides exemplary bill paying service methods and systems. One such bill paying service method (1000) includes enrolling a subscriber (Step 1010) who is a debtor to a first creditor and who has authorized debits to be taken from ...	12/07/2010
7849006	Online staging of auction settlement transactions A method for paying for an auction item at least partially using an online payment system by a payor to compensate a payee includes receiving at a host computer system payment information relating to a transaction. The payment information includes comprising at leas...	12/07/2010

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Assignee: The Western Union Company