Patents by Inventor Cassandra J. Mollett
Cassandra J. Mollett has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 7905400Abstract: 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 communication network. One or more transaction systems are accessible to the point-of-sale device via the transaction network, instructions are loaded to the memory of the point-of-sale device allowing it to access the transaction system. Various systems include a plurality of point-of-sale devices communicably coupled to various transaction systems via a communication network. The point-of-sale devices can be configurable to access one or more of the various transaction systems.Type: GrantFiled: January 16, 2009Date of Patent: March 15, 2011Assignee: The Western Union CompanyInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton
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Patent number: 7775425Abstract: The invention involves a system and a method of approving a money limit of check cashing for a time period during which a check writer may cash checks up to the limit. The invention provides for an improvement of approving a money limit of check cashing in order to provide in advance a check cashing limit for at least one period of time. The invention includes storing historical check writing information of check writers, receiving identification information to access respective check writing information, processing the respective check writing information to determine a score for the check writer, classifying the check writer in a predetermined category, and determining the limit over the time period during which the check writer may cash checks up to the limit based on the category in which the check writer is classified.Type: GrantFiled: December 29, 1999Date of Patent: August 17, 2010Assignee: First Data CorporationInventors: Cassandra J. Mollett, Mollie M. Hellige, Daniel R. Ahles
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Patent number: 7664687Abstract: The invention involves a system and a method of determining collectability of a check writer from a database including negative information of a plurality of check writers for check writing approval or denial. The invention provides for an improvement of determining collectability of a check writer in order to more effectively distinguish between collectible check writers and non-collectible check writers. The invention includes receiving the information of the check writer, processing the information to determine a score of the check writer, classifying the check writer within a predetermined category, and removing or retaining the check writer information from the database, depending on the category within which the check writer is classified.Type: GrantFiled: December 29, 1999Date of Patent: February 16, 2010Assignee: First Data CorporationInventors: Cassandra J. Mollett, Thomas E. Burnside
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Patent number: 7600673Abstract: A point-of-sale device useful in relation to a variety of circumstances and/or utilization methods. Various implementations of such point-of-sale devices are disclosed. For example, one particular point-of-sale device includes a base unit adapted for performing merchant functions and a peripheral unit adapted to perform customer functions. The base unit can include a base unit housing with a processor disposed therein and capable of supporting a variety of transaction types.Type: GrantFiled: April 3, 2002Date of Patent: October 13, 2009Assignees: First Data Corporation, The Western Union CompanyInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton
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Patent number: 7580857Abstract: Methods and systems coordinate an Internet-based financial transaction between an Internet merchant and a customer. A first information packet is received with a payment network from the Internet merchant. The first information packet has a credential assigned to the customer and transaction information specifying at least a cost of the Internet-based financial transaction. With the payment network, account information is determined that identifies a financial account maintained by the customer at a financial institution and authorization information that allows debit access to the identified financial account. A second information packet that includes the transaction information, the account information, and the authorization information is generated with the payment network.Type: GrantFiled: April 16, 2004Date of Patent: August 25, 2009Assignee: First Data CorporationInventors: Steven L. VanFleet, Blake Benton, Matthew T. Byrne, Timothy Horton, John J. Mascavage, III, Cassandra J. Mollett, Susan M. Nelson, SuZanne Rogers, Rhonda D. Sargent, Martin Stivers, Gary J. Trainor, Margaret Weichert, Diane Wing
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Publication number: 20090145958Abstract: 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 communication network. One or more transaction systems are accessible to the point-of-sale device via the transaction network, instructions are loaded to the memory of the point-of-sale device allowing it to access the transaction system. Various systems include a plurality of point-of-sale devices communicably coupled to various transaction systems via a communication network. The point-of-sale devices can be configurable to access one or more of the various transaction systems.Type: ApplicationFiled: January 16, 2009Publication date: June 11, 2009Applicant: First Data CorporationInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton
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Patent number: 7540410Abstract: An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the housing, and the memory is in communication with the processor. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal further includes a magnetic ink character recognition device for reading a string of magnetic ink characters on the check. The magnetic ink character recognition device is affixed to the housing at the document slot and is in communication with the processor. Further, the payment terminal includes an imaging device for capturing an image of the check. The imaging device is affixed to the housing at the document slot and is in communication with the processor.Type: GrantFiled: July 28, 2006Date of Patent: June 2, 2009Assignee: First Data CorporationInventors: Randy J. Templeton, Cassandra J. Mollett, David Wayne Smith
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Patent number: 7506809Abstract: 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 communication network. One or more transaction systems are accessible to the point-of-sale device via the transaction network, instructions are loaded to the memory of the point-of-sale device allowing it to access the transaction system. Various systems include a plurality of point-of-sale devices communicably coupled to various transaction systems via a communication network. The point-of-sale devices can be configurable to access one or more of the various transaction systems.Type: GrantFiled: August 2, 2006Date of Patent: March 24, 2009Assignees: First Data Corporation, The Western Union CompanyInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton
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Patent number: 7124936Abstract: An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the housing, and the memory is in communication with the processor. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal further includes a magnetic ink character recognition device for reading a string of magnetic ink characters on the check. The magnetic ink character recognition device is affixed to the housing at the document slot and is in communication with the processor. Further, the payment terminal includes an imaging device for capturing an image of the check. The imaging device is affixed to the housing at the document slot and is in communication with the processor.Type: GrantFiled: February 5, 2003Date of Patent: October 24, 2006Assignee: First Data CorporationInventors: Randy J. Templeton, Cassandra J. Mollett, David Wayne Smith
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Patent number: 7086584Abstract: 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 communication network. One or more transaction systems are accessible to the point-of-sale device via the transaction network, instructions are loaded to the memory of the point-of-sale device allowing it to access the transaction system. Various systems include a plurality of point-of-sale devices communicably coupled to various transaction systems via a communication network. The point-of-sale devices can be configurable to access one or more of the various transaction systems.Type: GrantFiled: April 3, 2002Date of Patent: August 8, 2006Assignee: First Data CorporationInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton
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Patent number: 6886742Abstract: Systems and methods including one or more point-of-sale devices for effectuating value transfers. In particular implementations, various point-of-sale devices are in communication with various transaction systems. Thus, a transaction can be effectuated from one point-of-sale device to another utilizing one or more of the communicably coupled transaction systems. The transaction systems can include, but are not limited to, money transfer systems, fraud detection systems, check acceptance systems.Type: GrantFiled: April 3, 2002Date of Patent: May 3, 2005Assignee: First Data CorporationInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton
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Patent number: 6827260Abstract: Among other things, the present invention provides a variety of systems and methods for effectuating transactions using a point-of-sale device. The present invention is applicable to a broad range of transaction types including but not limited to, money or other value transfers, value transfers, check acceptance protocols, loyalty program utilization, fraud detection, and the like. The methods of the present invention provide the ability to fulfill the various transaction types through access to one or more transaction systems accessible to the point-of-sale device. Thus, in some instances, a common point-of-sale device can be used to effectuate different transaction types depending upon which transaction systems are accessible to the point-of-sale device.Type: GrantFiled: April 3, 2002Date of Patent: December 7, 2004Assignee: First Data CorporationInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton
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Publication number: 20030222135Abstract: 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 communication network. One or more transaction systems are accessible to the point-of-sale device via the transaction network, instructions are loaded to the memory of the point-of-sale device allowing it to access the transaction system. Various systems include a plurality of point-of-sale devices communicably coupled to various transaction systems via a communication network. The point-of-sale devices can be configurable to access one or more of the various transaction systems.Type: ApplicationFiled: April 3, 2002Publication date: December 4, 2003Applicant: First Data CorporationInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton
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Publication number: 20030111529Abstract: An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the housing, and the memory is in communication with the processor. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal further includes a magnetic ink character recognition device for reading a string of magnetic ink characters on the check. The magnetic ink character recognition device is affixed to the housing at the document slot and is in communication with the processor. Further, the payment terminal includes an imaging device for capturing an image of the check. The imaging device is affixed to the housing at the document slot and is in communication with the processor.Type: ApplicationFiled: February 5, 2003Publication date: June 19, 2003Applicant: First Data CorporationInventors: Randy J. Templeton, Cassandra J. Mollett, David Wayne Smith
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Patent number: 6547132Abstract: An integrated point of sale terminal for processing multiple payment types including payment by check includes a compact housing, a processor, and memory. The housing has a base shaped to sit on a merchant counter and has a document slot for receiving a check. The processor is disposed in the housing, and the memory is in communication with the processor. The payment terminal is located at the point of sale during use to allow a store merchant to accept multiple payment types. The payment terminal further includes a magnetic ink character recognition device for reading a string of magnetic ink characters on the check. The magnetic ink character recognition device is affixed to the housing at the document slot and is in communication with the processor. Further, the payment terminal includes an imaging device for capturing an image of the check. The imaging device is affixed to the housing at the document slot and is in communication with the processor.Type: GrantFiled: August 9, 2000Date of Patent: April 15, 2003Assignee: First Data CorporationInventors: Randy J. Templeton, Cassandra J. Mollett, David Wayne Smith
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Patent number: 6505772Abstract: An information management system for operation in a proprietary environment implementing a multi-purpose card held by a designated individual. The information management system includes a multi-purpose card, at least one data input device, at least one database, a host, and a transaction processor. The card is coded to identify the rightful cardholder and to identify the services the card holder is entitled to receive. The at least one data input device receives transactional information from the merchant/service-provider and the card. The database records transactional information and verifies transactional information. The host includes the at least one database for processing transactional information. The debit transaction processor authorizes ACH or debit transactions occurring within the proprietary environment. The ACH or debit transaction processor then communicates with the host and at least one financial institution through a network.Type: GrantFiled: June 22, 2000Date of Patent: January 14, 2003Assignee: First Data CorporationInventors: Cassandra J. Mollett, Melanie Schmutz-Nugent, Judith McGuire
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Publication number: 20020166891Abstract: Systems and methods including one or more point-of-sale devices for effectuating value transfers. In particular implementations, various point-of-sale devices are in communication with various transaction systems. Thus, a transaction can be effectuated from one point-of-sale device to another utilizing one or more of the communicably coupled transaction systems. The transaction systems can include, but are not limited to, money transfer systems, fraud detection systems, check acceptance systems, and the like.Type: ApplicationFiled: April 3, 2002Publication date: November 14, 2002Applicant: First Data CorporationInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton
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Publication number: 20020153414Abstract: A point-of-sale device useful in relation to a variety of circumstances and/or utilization methods. Various implementations of such point-of-sale devices are disclosed. For example, one particular point-of-sale device includes a base unit adapted for performing merchant functions and a peripheral unit adapted to perform customer functions. The base unit can include a base unit housing with a processor disposed therein and capable of supporting a variety of transaction types.Type: ApplicationFiled: April 3, 2002Publication date: October 24, 2002Applicant: First Data CorporationInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton
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Publication number: 20020156683Abstract: Among other things, the present invention provides a variety of systems and methods for effectuating transactions using a point-of-sale device. Tthe present invention is applicable to a broad reange of transaction types including, but not limited to, money or other value transfers, value transfers, check acceptance protocols, loyalty program utilization, fraud detection, and the like. The methods of the present invention provide the ability to fulfill the various transaction types through access to one or more transaction systems accessible to the point-of-sale device. Thus, in some instances, a common point-of-sale device can be used to effectuate different transaction types depending upon which transaction systems are accessible to the point-of-sale device.sale devices.Type: ApplicationFiled: April 3, 2002Publication date: October 24, 2002Applicant: First Data CorporationInventors: Earney Stoutenburg, Cassandra J. Mollett, James Price, Charles A. Fillinger, Eric M. Nelson, Dean A. Seifert, Jeffrey Singleton