Patents by Inventor Cheryl L. Neofytides
Cheryl L. Neofytides 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: 10558957Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: GrantFiled: February 22, 2013Date of Patent: February 11, 2020Assignee: The Western Union CompanyInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matthew F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Patent number: 8024229Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: GrantFiled: September 30, 2008Date of Patent: September 20, 2011Assignee: The Western Union CompanyInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matthew F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Patent number: 7941346Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: GrantFiled: September 30, 2008Date of Patent: May 10, 2011Assignee: The Western Union CompanyInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matthew F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Patent number: 7941342Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: GrantFiled: September 30, 2008Date of Patent: May 10, 2011Assignee: The Western Union CompanyInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matthew F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Patent number: 7937292Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: GrantFiled: September 30, 2008Date of Patent: May 3, 2011Assignee: The Western Union CompanyInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matthew F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Patent number: 7930216Abstract: 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 money from other individuals, and access other functionality to facilitate the management of the individual's financial transactions. At the time an individual authorizes a payment to another person or directs the payment enabler to request money from another person, the person to whom the payment or money request is directed may, but need not, have already registered for an account with the payment enabler. To communicate with individuals, the payment enabler may use both Web pages and e-mail. An intermediary typically operates the payment enabler and acts as a conduit for the money transfer from one individual (the payor) to another individual (the payee).Type: GrantFiled: September 29, 2006Date of Patent: April 19, 2011Assignee: The Western Union CompanyInventors: Cheryl L. Neofytides, Aamer Ali Baig
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Publication number: 20100145858Abstract: 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.Type: ApplicationFiled: November 2, 2009Publication date: June 10, 2010Applicant: First Data CorporationInventors: Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams, Cheryl L. Neofytides, Aamer Ali Baig, Peter M. Karas, James E. Cowell, James R. Yoder, Matt F. Golub
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Patent number: 7613653Abstract: 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.Type: GrantFiled: October 26, 2001Date of Patent: November 3, 2009Assignees: First Data Corporation, The Western Union CompanyInventors: Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams, Cheryl L. Neofytides, Aamer Ali Baig, Peter M. Karas, James E. Cowell, James R. Yoder, Matt F. Golub
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Patent number: 7610222Abstract: 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 money from other individuals, and access other functionality to facilitate the management of the individual's financial transactions. At the time an individual authorizes a payment to another person or directs the payment enabler to request money from another person, the person to whom the payment or money request is directed may, but need not, have already registered for an account with the payment enabler. To communicate with individuals, the payment enabler may use both Web pages and e-mail. An intermediary typically operates the payment enabler and acts as a conduit for the money transfer from one individual (the payor) to another individual (the payee).Type: GrantFiled: October 30, 2007Date of Patent: October 27, 2009Assignee: First Data CorporationInventors: Cheryl L. Neofytides, Aamer Ali Baig
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Patent number: 7606734Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: GrantFiled: July 11, 2001Date of Patent: October 20, 2009Assignee: The Western Union CompanyInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matthew F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Patent number: 7587342Abstract: 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 money from other individuals, and access other functionality to facilitate the management of the individual's financial transactions. At the time an individual authorizes a payment to another person or directs the payment enabler to request money from another person, the person to whom the payment or money request is directed may, but need not, have already registered for an account with the payment enabler. To communicate with individuals, the payment enabler may use both Web pages and e-mail. An intermediary typically operates the payment enabler and acts as a conduit for the money transfer from one individual (the payor) to another individual (the payee).Type: GrantFiled: September 29, 2006Date of Patent: September 8, 2009Assignee: First Data CorporationInventors: Cheryl L. Neofytides, Aamer Ali Baig
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Publication number: 20090094155Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: ApplicationFiled: September 30, 2008Publication date: April 9, 2009Applicant: First Data CorporationInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Mathew F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. MacFarlane, Eric L. Platte, Susan F. Abrahams
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Publication number: 20090094149Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: ApplicationFiled: September 30, 2008Publication date: April 9, 2009Applicant: First Data CorporationInventors: Aamer A. Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matt F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Publication number: 20090089210Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: ApplicationFiled: September 30, 2008Publication date: April 2, 2009Applicant: First Data CorporationInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matt F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Publication number: 20090048967Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: ApplicationFiled: September 30, 2008Publication date: February 19, 2009Applicant: First Data CorporationInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matthew F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Publication number: 20090048974Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: ApplicationFiled: September 30, 2008Publication date: February 19, 2009Applicant: First Data CorporationInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matt F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Publication number: 20090024529Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: ApplicationFiled: September 30, 2008Publication date: January 22, 2009Applicant: First Data CorporationInventors: Aamer Ali BAIG, James E. COWELL, Peter M. KARAS, Cheryl L. NEOFYTIDES, Matthew F. GOLUB, James R. YODER, Susan M. MILBERGER, Jeff D. SHERRARD, Amy M. DUNKER, Jackie M. MACFARLANE, Eric L. PLATTE, Susan F. ABRAHAMS
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Publication number: 20090024523Abstract: 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 (170), a request from the first user (110) to send money to a second user (130) based on the stored value account is received. An electronic notification is sent from the server computer (170) to the second user (130) to notify the second user (130) of the request. A debit in the stored value account of the first user (110) is created. The requested money is sent to the second user (130) upon a receipt of a request at the server computer (170) from the second user (130).Type: ApplicationFiled: September 30, 2008Publication date: January 22, 2009Applicant: First Data CorporationInventors: Aamer Ali Baig, James E. Cowell, Peter M. Karas, Cheryl L. Neofytides, Matthew F. Golub, James R. Yoder, Susan M. Milberger, Jeff D. Sherrard, Amy M. Dunker, Jackie M. Macfarlane, Eric L. Platte, Susan F. Abrahams
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Publication number: 20080294554Abstract: According to the invention, a method for automatically transferring credit between a stored value fund and a handler using a wide-area computer network is disclosed. In one step, automated transfer information is received at a server computer system from the wide-area computer network that is coupled to a user associated with the stored value fund. The handler chosen by a user for an automated transfer, the direction of the automated transfer with respect to the stored value fund and an amount for the automated transfer are determined. The amount is automatically transferred between the stored value fund and the handler.Type: ApplicationFiled: August 5, 2008Publication date: November 27, 2008Applicant: First Data CorporationInventors: Cheryl L. Neofytides, Aamer Ali Baig, Peter M. Karas, James E. Cowell, James R. Yoder, Matt F. Golub
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Patent number: 7398252Abstract: According to the invention, a process for transferring credit from a sender to a number of recipients using a wide-area computer network is disclosed. In one step, a server computer system receives information from the sender to transfer credit to the number of recipients. The information includes a unique identifier for each of the number of recipients and a credit amount. A first handler chosen by the sender and a second handler chosen by one of the number of recipients are determined. A credit transfer from the first handler is requested. The credit amount from the first handler is received at the server computer system. The credit amount is sent to the second handler associated with the one of the number of recipients.Type: GrantFiled: October 26, 2001Date of Patent: July 8, 2008Assignee: First Data CorporationInventors: Cheryl L. Neofytides, Aamer Ali Baig, Peter M. Karas, James E. Cowell, James R. Yoder, Matt F. Golub