Patents by Inventor Michael Michelsen

Michael Michelsen 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).

  • Publication number: 20240126700
    Abstract: Systems and methods for object-based data storage are provided. There may be a read/write cache configured to cache objects to be written to an object-based data storage. A document in the read/write cache may have a lock state set to unlocked, thereby allowing the document to be deleted. Or, the document in the read/write cache may have a lock state set to locked, thereby preventing deletion of the document.
    Type: Application
    Filed: December 20, 2023
    Publication date: April 18, 2024
    Inventors: Jeffrey Hibser, Mohammad Amer Ghazal, Steven Engelhardt, Michael R. Gayeski, Brandon Michelsen, Ankit Khandelwal, Ranga Sankar, Robert A. Skinner
  • Patent number: 11663639
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Grant
    Filed: March 19, 2021
    Date of Patent: May 30, 2023
    Assignee: The Western Union Company
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Publication number: 20210272175
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Application
    Filed: March 19, 2021
    Publication date: September 2, 2021
    Applicant: The Western Union Company
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Publication number: 20210272095
    Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
    Type: Application
    Filed: May 19, 2021
    Publication date: September 2, 2021
    Applicant: The Western Union Company
    Inventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
  • Patent number: 11023874
    Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
    Type: Grant
    Filed: May 17, 2019
    Date of Patent: June 1, 2021
    Assignee: The Western Union Company
    Inventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
  • Patent number: 10984459
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Grant
    Filed: December 17, 2018
    Date of Patent: April 20, 2021
    Assignee: The Western Union Company
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Patent number: 10783502
    Abstract: Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include determining a default service fee charged for the funds transfer by a funds-transfer company of a subset of the plurality of different funds-transfer companies. The method may additionally include transmitting to at least one funds-transfer company of the subset of the plurality of different funds-transfer companies details of the funds transfer, where the details of the funds-transfer comprises the default service fee. The method may furthermore include transmitting an identification of the subset of the plurality of different funds-transfer companies, each of which is capable of completing the funds transfer in accordance with the defined parameters, the subset including at least two of the plurality of different funds-transfer companies.
    Type: Grant
    Filed: August 4, 2014
    Date of Patent: September 22, 2020
    Assignee: The Western Union Company
    Inventors: Michael Michelsen, Kurt Hansen, Dean A. Seifert, Kenneth Algiene
  • Patent number: 10535098
    Abstract: A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver.
    Type: Grant
    Filed: February 24, 2014
    Date of Patent: January 14, 2020
    Assignee: The Western Union Company
    Inventors: Kurt Bulawa, Michele Demark, Michael Michelsen, Dave Owen
  • Publication number: 20190272523
    Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
    Type: Application
    Filed: May 17, 2019
    Publication date: September 5, 2019
    Applicant: The Western Union Company
    Inventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
  • Patent number: 10354245
    Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
    Type: Grant
    Filed: June 17, 2015
    Date of Patent: July 16, 2019
    Assignee: The Western Union Company
    Inventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
  • Publication number: 20190122276
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Application
    Filed: December 17, 2018
    Publication date: April 25, 2019
    Applicant: The Western Union Company
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Patent number: 10235704
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Grant
    Filed: December 30, 2013
    Date of Patent: March 19, 2019
    Assignee: The Western Union Company
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Patent number: 10102571
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Grant
    Filed: June 7, 2017
    Date of Patent: October 16, 2018
    Assignee: THE WESTERN UNION COMPANY
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Publication number: 20170270605
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Application
    Filed: June 7, 2017
    Publication date: September 21, 2017
    Applicant: The Western Union Company
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Patent number: 9697567
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Grant
    Filed: August 7, 2015
    Date of Patent: July 4, 2017
    Assignee: THE WESTERN UNION COMPANY
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Publication number: 20150371209
    Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.
    Type: Application
    Filed: June 17, 2015
    Publication date: December 24, 2015
    Applicant: The Western Union Company
    Inventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
  • Publication number: 20150356674
    Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.
    Type: Application
    Filed: August 7, 2015
    Publication date: December 10, 2015
    Applicant: THE WESTERN UNION COMPANY
    Inventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
  • Publication number: 20150073979
    Abstract: Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include determining a default service fee charged for the funds transfer by a funds-transfer company of a subset of the plurality of different funds-transfer companies. The method may additionally include transmitting to at least one funds-transfer company of the subset of the plurality of different funds-transfer companies details of the funds transfer, where the details of the funds-transfer comprises the default service fee. The method may furthermore include transmitting an identification of the subset of the plurality of different funds-transfer companies, each of which is capable of completing the funds transfer in accordance with the defined parameters, the subset including at least two of the plurality of different funds-transfer companies.
    Type: Application
    Filed: August 4, 2014
    Publication date: March 12, 2015
    Inventors: Michael Michelsen, Kurt Hansen, Dean A. Seifert, Kenneth Algiene
  • Publication number: 20140316977
    Abstract: A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver.
    Type: Application
    Filed: February 24, 2014
    Publication date: October 23, 2014
    Applicant: The Western Union Company
    Inventors: Kurt Bulawa, Michele Demark, Michael Michelsen, Dave Owen
  • Patent number: 8799154
    Abstract: Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include determining a default service fee charged for the funds transfer by a funds-transfer company of a subset of the plurality of different funds-transfer companies. The method may additionally include transmitting to at least one funds-transfer company of the subset of the plurality of different funds-transfer companies details of the funds transfer, where the details of the funds-transfer comprises the default service fee. The method may furthermore include transmitting an identification of the subset of the plurality of different funds-transfer companies, each of which is capable of completing the funds transfer in accordance with the defined parameters, the subset including at least two of the plurality of different funds-transfer companies.
    Type: Grant
    Filed: October 3, 2011
    Date of Patent: August 5, 2014
    Assignee: The Western Union Company
    Inventors: Michael Michelsen, Kurt Hansen, Dean A. Siefert, Kenneth Algiene