Patents by Inventor Dean A. Seifert
Dean A. Seifert 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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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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Publication number: 20090112754Abstract: A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party.Type: ApplicationFiled: October 24, 2007Publication date: April 30, 2009Applicant: The Western Union CompanyInventors: Dean Seifert, Matt Bixler, Dave Owen, Elizabeth Petri
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Publication number: 20090089209Abstract: This disclosure describes, generally, methods and systems for generating electronic invoices. The method may include logging on to an online invoicing service account, and looking up a customer account from multiple customers associated with the online invoicing service account. The method may further include selecting the customer account that has a pending financial transaction with a biller. A request for an electronic invoice to be generated for the selected customer is initiated and the electronic invoice may be transmitted to the selected customer.Type: ApplicationFiled: September 28, 2007Publication date: April 2, 2009Applicant: The Western Union CompanyInventors: Matt Bixler, Robert Newton, Dean Seifert, Dave Owen, Elizabeth Petri
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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: 7487912Abstract: Certain embodiments of the present invention provide systems and methods for receipting transactions transacted at a POS device. More specifically, but not by of limitation, embodiments of the present invention provide methods and systems for electronically receipting POS transactions and, in some embodiments, of providing the electronic receipts to a destination selected by a party to the POS transaction.Type: GrantFiled: September 28, 2005Date of Patent: February 10, 2009Assignees: First Data Corporation, The Western Union CompanyInventors: Dean Seifert, Tim Keane
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Publication number: 20090026259Abstract: A method for performing a money transfer receive transaction includes loading payout funds, corresponding to a desired amount of money to be transferred from a sender to a recipient, in a payout account associated with a payout card, such that the payout funds are electronically accessible by the recipient using the payout card. A system for performing a money transfer receive transaction is also provided.Type: ApplicationFiled: October 6, 2008Publication date: January 29, 2009Applicant: THE WESTERN UNION COMPANYInventors: Dean A. Seifert, Earney E. Stoutenburg, David A. Owen, Maura A. Fitzgerald
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Publication number: 20090006250Abstract: This disclosure describes, generally, methods and systems for tracking and reporting multiple financial transactions. The method may include initiating a financial transaction by a user at an interface. The financial transaction may include multiple transactional steps. The method may further include generating notifications corresponding to the plurality of transactional steps. A first notification may be configured to indicate to the user that payment for the transaction has been initiated. A second notification may be configured to indicate to the user that the transaction has been processed and released for payment, and a third notification may be configured to indicate to the user that the transaction's funds have been made available.Type: ApplicationFiled: May 20, 2008Publication date: January 1, 2009Applicant: The Western Union CompanyInventors: Matt Bixler, Robert Newton, Dean Seifert, Dave Owen, Elizabeth Petri
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Publication number: 20090006205Abstract: A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.Type: ApplicationFiled: June 5, 2008Publication date: January 1, 2009Applicant: The Western Union CompanyInventors: Matt Bixler, Robert Newton, Dean Seifert, Dave Owen, Elizabeth Petri
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Publication number: 20080294564Abstract: Systems and methods for performing financial transfers. In some instances, the methods include providing a staged transaction system that includes at least two stages. Quotes are accessed for the first and for the second stage of the transaction. One quote associated with a stage of the transaction is selected and used to consummate the financial transfer. Other methods include marketing financial transfer transactions. Such marketing can include providing a flexible rate fixing mechanism; monitoring a financial transaction market; and fixing a rate based at least in part on monitoring the financial transaction market where the flexible rate fixing mechanism provides access to the fixed rate.Type: ApplicationFiled: July 18, 2008Publication date: November 27, 2008Applicant: The Western Union CompanyInventors: Dean A. Seifert, Earney E. Stoutenburg
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Patent number: 7428982Abstract: Systems and methods for performing financial transfers. In some instances, the methods include providing a staged transaction system that includes at least two stages. Quotes are accessed for the first and for the second stage of the transaction. One quote associated with a stage of the transaction is selected and used to consummate the financial transfer. Other methods include marketing financial transfer transactions. Such marketing can include providing a flexible rate fixing mechanism; monitoring a financial transaction market; and fixing a rate based at least in part on monitoring the financial transaction market where the flexible rate fixing mechanism provides access to the fixed rate.Type: GrantFiled: June 16, 2005Date of Patent: September 30, 2008Assignee: The Western Union CompanyInventors: Earney E. Stoutenburg, Dean A. Seifert
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Publication number: 20080215487Abstract: A method of performing a send money transfer transaction through a financial services institution includes storing transaction details on a data base, wherein the transaction details include a desired amount of money to be sent; establishing a code that corresponds to the transaction details stored on the data base; entering the code into an electronic transaction fulfillment device in communication with the data base to retrieve the transaction details from the data base; and determining a collect amount based on the transaction details. A system for performing a send money transfer transaction is also disclosed.Type: ApplicationFiled: February 29, 2008Publication date: September 4, 2008Applicant: THE WESTERN UNION COMPANYInventors: Earney E. Stoutenburg, Dean A. Seifert
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Publication number: 20080169345Abstract: A system for generating transaction settlement identifiers includes an arrangement configured to receive a biometric sample from a customer and an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements. A mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer also may be included.Type: ApplicationFiled: January 17, 2007Publication date: July 17, 2008Applicant: The Western Union CompanyInventors: Tim Keane, Dean Seifert, Jonathan Grahmann
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Publication number: 20080172342Abstract: 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 transaction identifier from a recipient; obtaining a first biometric sample from the recipient; using the biometric sample to select a MTCN (Money Transfer Control Number) from a pool of predetermined MTCNs; associating the MTCN with the first biometric sample and the transaction record; providing the MTCN to the recipient; thereafter, receiving a request from the recipient to receive the funds; obtaining the MTCN from the recipient; obtaining a second biometric sample from the recipient; using the MTCN and/or the second biometric sample to locate the transaction record; comparing the second biometric sample to the first biometric sample; and determining whether to provide the funds based on the comparison.Type: ApplicationFiled: January 17, 2007Publication date: July 17, 2008Applicant: The Western Union CompanyInventors: Tim Keane, Dean Seifert, Jonathan Grahmann
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Publication number: 20080035723Abstract: One method involves payment of money to a recipient traveling to one or more foreign countries by entering into a remote computer money transfer information from a sender. The money transfer information comprises recipient identification information, at least one country where the money is to be received, and a payment amount in an originating currency. The money transfer information is transmitted to a host computer system. When ready to receive payment in the designated country, recipient identification information along with a request to withdraw a portion of a possible payment amount is entered into a payout computer. The recipient identification information and the request to withdraw is transmitted to a host computer system, and the requested withdrawal is provided to the recipient in the local currency.Type: ApplicationFiled: June 5, 2007Publication date: February 14, 2008Applicants: The Western Union Company, First Data CorporationInventors: Kurt Hansen, Dean Seifert, Mark Thompson, Mike Michelsen
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Publication number: 20070267480Abstract: 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 purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited.Type: ApplicationFiled: May 31, 2007Publication date: November 22, 2007Applicants: The Western Union Company, First Data CorporationInventors: Kurt Hansen, Dean Seifert, Mark Thompson, Patricia Frazier
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Publication number: 20070255639Abstract: A system for managing an employee's funds, where the system may include an employee interface, a payroll system, and a reporting system. The employee interface may be configured to receive an instruction from an employee and transmit directions which are based at least in part upon the instruction. The instruction may include a first identifier representing a payee and an amount of funds to be directed to the payee. The payroll system may be configured to receive directions transmitted from the employee interface, and based at least in part upon the directions, direct an amount of funds from an employer to the payee and to the employee. The reporting system may be configured to produce a report. The report may include a statement of the amount of funds directed from the employer to the payee and the amount of funds directed from the employer to the employee.Type: ApplicationFiled: March 6, 2007Publication date: November 1, 2007Applicant: First Data CorporationInventor: Dean Seifert
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Publication number: 20070214091Abstract: A payment instrument that may be purchased at a retail location and used for conducting money transfers and other financial transactions. The amount associated with the instrument is stored in an non-banking account maintained by a money transfer entity. In order to activate the instrument after it has been purchased, a customer links the instrument to a personal profile of the customer using a PIN provided with the instrument.Type: ApplicationFiled: March 8, 2007Publication date: September 13, 2007Applicant: The Western Union CompanyInventors: Kurt Hansen, Wade Nelson, Dean Seifert, Assaad Hanna
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Patent number: 7229011Abstract: One method involves payment of money to a recipient traveling to one or more foreign countries by entering into a remote computer money transfer information from a sender. The money transfer information comprises recipient identification information, at least one country where the money is to be received, and a payment amount in an originating currency. The money transfer information is transmitted to a host computer system. When ready to receive payment in the designated country, recipient identification information along with a request to withdraw a portion of a possible payment amount is entered into a payout computer. The recipient identification information and the request to withdraw is transmitted to a host computer system, and the requested withdrawal is provided to the recipient in the local currency.Type: GrantFiled: August 25, 2006Date of Patent: June 12, 2007Assignees: The Western Union Company, First Data CorporationInventors: Kurt L. Hansen, Dean A. Seifert, Mark Thompson, Mike Michelsen
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Publication number: 20070075129Abstract: A money transfer system using a money transfer instrument purchased at a retail location. The system includes a POS terminal for entering a UPC code carried on the instrument. The POS terminal issues a PIN in response to the UPC code, with the PIN printed on a receipt. The customer may enter the PIN on the instrument. The customer later uses the PIN to obtain a money transfer control number (MTCN) associated with a record of the transfer transaction from a money transfer host.Type: ApplicationFiled: September 30, 2005Publication date: April 5, 2007Applicant: First Data CorporationInventors: Assaad Hanna, Kurt Hansen, Dean Seifert
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Publication number: 20070069013Abstract: Certain embodiments of the present invention provide systems and methods for receipting transactions transacted at a POS device. More specifically, but not by of limitation, embodiments of the present invention provide methods and systems for electronically receipting POS transactions and, in some embodiments, of providing the electronic receipts to a destination selected by a party to the POS transaction.Type: ApplicationFiled: September 28, 2005Publication date: March 29, 2007Applicant: First Data CorporationInventors: Dean Seifert, Tim Keane