Jackie M Macfarlane

US Patent:

7249098, Jul 24, 2007

Filed:

Oct 29, 2001

Appl. No.:

10/021292

Inventors:

Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Castle Rock CO, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US
Cheryl L. Neofytides - Floral Park NY, US
Aamer Ali Baig - Forest Hills NY, US
Peter M. Karas - Lakewood CO, US
James E. Cowell - Littleton CO, US
James R. Yoder - Chicago IL, US
Matt F. Golub - Tera Fly NJ, US

Assignee:

First Data Corporation - Englewood CO

International Classification:

G06Q 40/00

US Classification:

705 40, 705 39, 705 44

Abstract:

According to the invention, a method for automatically processing a recurring transfer request from a stored value fund with an online system is disclosed. A handler associated with a payor is determined and money is transferred from that handler to the stored value fund. In one step, the payor is informed that a payee accepts payment from the online system. Subscription type information is received, which includes at least two of a per-request payment cap, a fixed payment amount, a limit on payment per time period, a limit on the number of payments in the time period, and a time period. Pay-out instructions are also received and include at least two of a payor identifier, a payee identifier, a transfer amount, a payment description. The transfer amount is automatically sent from the stored value fund to the payee.

US Patent:

7606734, Oct 20, 2009

Filed:

Jul 11, 2001

Appl. No.:

10/332724

Inventors:

Aamer Ali Baig - Hinsdale IL, US
James E. Cowell - Littleton CO, US
Peter M. Karas - Lakewood CO, US
Cheryl L. Neofytides - Putnam Valley NY, US
Matthew F. Golub - Atlanta GA, US
James R. Yoder - Chicago IL, US
Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Dallas TX, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 30/00

US Classification:

705 26, 705 37

Abstract:

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 () in a stored value account on a server computer system (). At the server computer system (), a request from the first user () to send money to a second user () based on the stored value account is received. An electronic notification is sent from the server computer () to the second user () to notify the second user () of the request. A debit in the stored value account of the first user () is created. The requested money is sent to the second user () upon a receipt of a request at the server computer () from the second user ().

US Patent:

7613653, Nov 3, 2009

Filed:

Oct 26, 2001

Appl. No.:

10/045632

Inventors:

Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Castle Rock CO, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US
Cheryl L. Neofytides - Foral Park NY, US
Aamer Ali Baig - Forest Hills NY, US
Peter M. Karas - Lakewood CO, US
James E. Cowell - Littleton CO, US
James R. Yoder - Chicago IL, US
Matt F. Golub - Tera Fly NJ, US

Assignee:

First Data Corporation - Greenwood Village CO
The Western Union Company - Englewood CO

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

According to the invention, a method for transferring a credit amount out of an online system using a money order is disclosed. In one step, pay-out instructions are received at a server computer system from a wide-area computer network coupled to a payor. The pay-out instructions include at least two of a payee, a delivery location, and the credit amount. A first handler associated with the payor and a second handler for preparation of the money order according to the pay-out instructions are determined. The credit amount is transferred from the first handler to the online system. The pay-out instructions are sent to the second handler.

US Patent:

7686210, Mar 30, 2010

Filed:

Dec 14, 2006

Appl. No.:

11/611000

Inventors:

Elaine D. Bolle - San Francisco CA, US
Maria Martinez - Concord CA, US
Mahala Johnson - Vallejo CA, US
Sabrina Ko - Castro Valley CA, US
Susan M. Milberger - Englewood CO, US
Jackie MacFarlane - Parker CO, US
Amy Dunker - Dallas TX, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 40/00

US Classification:

235379, 235380, 235382

Abstract:

According to the invention, a method for funding an account with an online money transfer system using a wide area network, where the account cannot be used for purchases outside a closed purchasing community, is disclosed. In one step, information about a money handler is accepted at the online money transfer system and over the wide area network. The information includes an amount of funds, a bank routing number, a bank account number and a unique identifier. The unique identifier discriminates a buyer from other buyers in the closed purchasing community. The amount of funds is drawn with the money handler from a bank account indicated by the routing number and the bank account number. Funds are transferred to the account for benefit of the buyer indicated by the unique identifier. The funds cannot be used outside the closed purchasing community while in the account.

US Patent:

7937292, May 3, 2011

Filed:

Sep 30, 2008

Appl. No.:

12/241408

Inventors:

Aamer Ali Baig - Hinsdale IL, US
James E. Cowell - Littleton CO, US
Peter M. Karas - Lakewood CO, US
Cheryl L. Neofytides - Putnam Valley NY, US
Matthew F. Golub - Atlanta GA, US
James R. Yoder - Chicago IL, US
Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Dallas TX, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 30/00

US Classification:

705 261, 705 271

Abstract:

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 () in a stored value account on a server computer system (). At the server computer system (), a request from the first user () to send money to a second user () based on the stored value account is received. An electronic notification is sent from the server computer () to the second user () to notify the second user () of the request. A debit in the stored value account of the first user () is created. The requested money is sent to the second user () upon a receipt of a request at the server computer () from the second user ().

US Patent:

7941342, May 10, 2011

Filed:

Sep 30, 2008

Appl. No.:

12/241476

Inventors:

Aamer Ali Baig - Hinsdale IL, US
James E. Cowell - Littleton CO, US
Peter M. Karas - Lakewood CO, US
Cheryl L. Neofytides - Putnam Valley NY, US
Matthew F. Golub - Atlanta GA, US
James R. Yoder - Chicago IL, US
Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Dallas TX, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 30/00

US Classification:

705 26, 705 271, 705 37

Abstract:

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 () in a stored value account on a server computer system (). At the server computer system (), a request from the first user () to send money to a second user () based on the stored value account is received. An electronic notification is sent from the server computer () to the second user () to notify the second user () of the request. A debit in the stored value account of the first user () is created. The requested money is sent to the second user () upon a receipt of a request at the server computer () from the second user ().

US Patent:

7941346, May 10, 2011

Filed:

Sep 30, 2008

Appl. No.:

12/241384

Inventors:

Aamer Ali Baig - Hinsdale IL, US
James E. Cowell - Littleton CO, US
Peter M. Karas - Lakewood CO, US
Cheryl L. Neofytides - Putnam Valley NY, US
Matthew F. Golub - Atlanta GA, US
James R. Yoder - Chicago IL, US
Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Dallas TX, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 30/00

US Classification:

705 261, 705 371

Abstract:

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 () in a stored value account on a server computer system (). At the server computer system (), a request from the first user () to send money to a second user () based on the stored value account is received. An electronic notification is sent from the server computer () to the second user () to notify the second user () of the request. A debit in the stored value account of the first user () is created. The requested money is sent to the second user () upon a receipt of a request at the server computer () from the second user ().

US Patent:

8024229, Sep 20, 2011

Filed:

Sep 30, 2008

Appl. No.:

12/241364

Inventors:

Aamer Ali Baig - Hinsdale IL, US
James E. Cowell - Littleton CO, US
Peter M. Karas - Lakewood CO, US
Cheryl L. Neofytides - Putnam Valley NY, US
Matthew F. Golub - Atlanta GA, US
James R. Yoder - Chicago IL, US
Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Dallas TX, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 30/00

US Classification:

705 26, 705 27, 705 37

Abstract:

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 () in a stored value account on a server computer system (). At the server computer system (), a request from the first user () to send money to a second user () based on the stored value account is received. An electronic notification is sent from the server computer () to the second user () to notify the second user () of the request. A debit in the stored value account of the first user () is created. The requested money is sent to the second user () upon a receipt of a request at the server computer () from the second user ().