Patents by Inventor Earney E. Stoutenburg
Earney E. Stoutenburg 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: 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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Patent number: 7070094Abstract: A method for performing a money transfer receive transaction involving a recipient that receives money from a sender includes the steps of providing a receive code to a recipient via a transaction staging device that is used to stage the receive transaction, wherein the code is used to identify the receive transaction on a data base; receiving at the data base an entry, provided by the recipient and corresponding to the code, from a transaction fulfillment device in communication with the data base; and providing transaction details of the receive transaction to the transaction fulfillment device for verification with the recipient; wherein the code is not provided by or to the sender for use by the sender during the receive transaction.Type: GrantFiled: May 27, 2004Date of Patent: July 4, 2006Assignee: First Data CorporationInventors: Earney E. Stoutenburg, Dean A. Seifert
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Patent number: 6994251Abstract: Methods and systems are provided for executing a remote transaction between a merchant and a customer. A designation of a monetary amount for the remote transaction and an identification of the merchant is transmitted from a merchant processing system to a host system controlled by a money-transfer provider. A money-transfer transaction identifier identifying a prepared money-transfer transaction for transfer of the monetary amount is established at the merchant processing system. The money-transfer transaction identifier is provided to the customer. Performance of merchant obligations in accordance with the remote transaction is initiated after notification to the merchant processing system of receipt of a cash payment made by the customer towards the prepared money-transfer transaction.Type: GrantFiled: May 22, 2003Date of Patent: February 7, 2006Assignee: First Data CorporationInventors: Kurt Hansen, Earney E. Stoutenburg, Thomas B. Sayor
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Patent number: 6908031Abstract: 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 rating mechanism; monitoring a financial transaction market; and fixing a rate based at least in part on monitoring the financial transaction market where the flexible rating mechanism provides access to the fixed rate.Type: GrantFiled: November 7, 2002Date of Patent: June 21, 2005Assignee: First Data CorporationInventors: Dean A. Seifert, Earney E. Stoutenburg
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Patent number: 6829588Abstract: A system and method for managing a company payroll is disclosed. The system and method provide for issuing an employee an identifier. The employee may access the account at a remote payroll distribution device by disclosing the identifier. The remote payroll distribution device enables the employee to withdraw a sum of money up to the total amount of money in the account, as well as print tax withholding information as typically displayed on a check stub. Other features include printing checks for payment to various establishments which effectively eliminates the need for bank checks.Type: GrantFiled: October 8, 1999Date of Patent: December 7, 2004Assignee: First Data CorporationInventors: Earney E. Stoutenburg, Dean A. Seifert
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Publication number: 20040211831Abstract: A method for performing a money transfer receive transaction involving a recipient that receives money from a sender includes the steps of providing a receive code to a recipient via a transaction staging device that is used to stage the receive transaction, wherein the code is used to identify the receive transaction on a data base; receiving at the data base an entry, provided by the recipient and corresponding to the code, from a transaction fulfillment device in communication with the data base; and providing transaction details of the receive transaction to the transaction fulfillment device for verification with the recipient; wherein the code is not provided by or to the sender for use by the sender during the receive transaction.Type: ApplicationFiled: May 27, 2004Publication date: October 28, 2004Applicant: First Data CorporationInventors: Earney E. Stoutenburg, Dean A. Seifert
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Patent number: 6761309Abstract: 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: GrantFiled: November 7, 2002Date of Patent: July 13, 2004Assignee: First Data CorporationInventors: Earney E. Stoutenburg, Dean A. Seifert
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Publication number: 20040024701Abstract: Methods and systems are provided for executing a remote transaction between a merchant and a customer. A designation of a monetary amount for the remote transaction and an identification of the merchant is transmitted from a merchant processing system to a host system controlled by a money-transfer provider. A money-transfer transaction identifier identifying a prepared money-transfer transaction for transfer of the monetary amount is established at the merchant processing system. The money-transfer transaction identifier is provided to the customer. Performance of merchant obligations in accordance with the remote transaction is initiated after notification to the merchant processing system of receipt of a cash payment made by the customer towards the prepared money-transfer transaction.Type: ApplicationFiled: May 22, 2003Publication date: February 5, 2004Applicant: First Data CorporationInventors: Kurt Hansen, Earney E. Stoutenburg, Thomas B. Sayor
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Publication number: 20030126067Abstract: 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 rating mechanism; monitoring a financial transaction market; and fixing a rate based at least in part on monitoring the financial transaction market where the flexible rating mechanism provides access to the fixed rate.Type: ApplicationFiled: November 7, 2002Publication date: July 3, 2003Applicant: First Data CorporationInventors: Dean A. Seifert, Earney E. Stoutenburg
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Publication number: 20030126083Abstract: 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 information with transaction data stored on a host computer system; providing a confirmation code, to be issued to the recipient, if the transaction identifying information matches the transaction data stored on the host computer system; storing the confirmation code on the host computer system; receiving at the host computer system input corresponding to the confirmation code from a dispensing terminal in communication with the host computer system; comparing the input to the stored confirmation code; and allowing funds, corresponding to at least a portion of the desired amount of money, to be dispensed by the dispensing terminal if the input matches the stored confirmation code.Type: ApplicationFiled: January 3, 2002Publication date: July 3, 2003Applicant: First Data CorporationInventors: Dean A. Seifert, Earney E. Stoutenburg
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Publication number: 20030083987Abstract: 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: November 7, 2002Publication date: May 1, 2003Applicant: First Data CorporationInventors: Earney E. Stoutenburg, Dean A. Seifert
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Publication number: 20030069856Abstract: 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 10, 2001Publication date: April 10, 2003Applicant: First Data CorporationInventors: Dean A. Seifert, Earney E. Stoutenburg, David A. Owen, Maura A. Fitzgerald
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Publication number: 20030061082Abstract: A method for tracking status of an inventory shipment sent to a recipient includes monitoring whether the recipient has transmitted an electronic acknowledgment of the status of the shipment; and automatically transmitting a message to the recipient requesting acknowledgment of receipt of inventory if the electronic acknowledgment is not transmitted by the recipient within a first predetermined amount of time.Type: ApplicationFiled: September 26, 2001Publication date: March 27, 2003Applicant: First Data CorporationInventors: Earney E. Stoutenburg, David R. Baumgartner, Theresa L. Anuszewski, Ross G. Kinney, David A. Owen
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Patent number: 6502747Abstract: A method of performing a money transfer transaction through a financial services institution includes receiving information regarding the transaction on a first computer of the financial services institution from a first electronic device using the Transmission Control Protocol/Internet Protocol suite (TCP/IP). The method may also include establishing a T1 connection between the first computer and the first electronic device. A system for performing a money transfer transaction using TCP/IP is also disclosed.Type: GrantFiled: December 17, 1999Date of Patent: January 7, 2003Assignee: First Data CorporationInventors: Earney E. Stoutenburg, Dean A. Seifert
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Patent number: 6488203Abstract: 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: GrantFiled: October 26, 1999Date of Patent: December 3, 2002Assignee: First Data CorporationInventors: Earney E. Stoutenburg, Dean A. Seifert
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Publication number: 20020087462Abstract: A method for electronically transferring funds between a sender and a recipient includes receiving at an initiating terminal a designation of an amount of funds to be electronically transferred from the sender; receiving at the initiating terminal a security code from the sender; generating a unique personal identification number; providing the unique personal identification number to the sender; storing the designation of an amount of funds, the security code and the unique personal identification number at a central terminal in communication with the initiating terminal; providing a manned kiosk including a kiosk agent; receiving the unique personal identification number and the security code at the manned kiosk from the recipient; communicating the unique personal identification number and the security code provided by the recipient to the central terminal; comparing the unique personal identification number and the security code provided by the recipient to the stored unique personal identification numberType: ApplicationFiled: December 28, 2000Publication date: July 4, 2002Applicant: First Data CorporationInventors: Dean A. Seifert, Earney E. Stoutenburg
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Publication number: 20020087463Abstract: A method for processing a negotiable instrument includes entering at least one negotiable instrument identifier into a terminal; transmitting the at least one negotiable instrument identifier from the terminal to a host computer; receiving, at the terminal, a sign from the host computer, wherein the sign indicates an authorization status of the negotiable instrument; and automatically printing a mark on a document using a printer in communication with the terminal, wherein the mark corresponds with the sign so as to indicate the authorization status of the negotiable instrument.Type: ApplicationFiled: December 28, 2000Publication date: July 4, 2002Applicant: First Data CorporationInventors: Maura A. Fitzgerald, Earney E. Stoutenburg, Dean A. Seifert