Patents by Inventor Terry Allen-Rouman
Terry Allen-Rouman 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: 10489753Abstract: An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer system separate from a vendor system or payee, validating and confirming personal financial information at the funds transfer system, and transferring funds from a purchaser or payor account to the vendor or a payee account without exposing either party's financial and account information to the other. Additionally, a funds transfer apparatus is disclosed comprising connections to a payor and payee system and mechanisms for receiving and validating party and transaction information and a mechanism for transferring funds from one party to the other.Type: GrantFiled: March 20, 2012Date of Patent: November 26, 2019Assignees: The Western Union Company, First Data CorporationInventors: Terry Allen-Rouman, Jack Michael Arrington, Keval Desai, Robert Edwin Dravenstott, Wendy D. Larson, Scott J. Levokove, John Joseph Mascavage, III, Peter Eric Philipp, Margaret Morgan Weichert
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Patent number: 8538870Abstract: An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer system separate from a vendor system or payee, validating and confirming personal financial information at the funds transfer system, and transferring funds from a purchaser or payor account to the vendor or a payee account without exposing either party's financial and account information to the other. Additionally, a funds transfer apparatus is disclosed comprising connections to a payor and payee system and mechanisms for receiving and validating party and transaction information and a mechanism for transferring funds from one party to the other.Type: GrantFiled: March 13, 2008Date of Patent: September 17, 2013Assignees: First Data Corporation, The Western Union CompanyInventors: Terry Allen-Rouman, Jack Michael Arrington, Keval Desai, Robert Edwin Dravenstott, Wendy D. Larson, Scott J. Levokove, John Joseph Mascavage, III, Peter Eric Philipp, Margaret Morgan Weichert
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Patent number: 8412627Abstract: According to the invention, a process for transferring funds in an online transaction between a first party and a second party is disclosed. In one step, a first account associated with the first party and a second account associated with the second party are determined. At least one of the first account and the second account is a bank account. A first transfer is initiated between the first account and a third account. The third account is not associated with either the first party or the second party. Notification is received that the first transfer has cleared. A second transfer between the third account and the second account is initiated before notification that the first transfer has cleared is received.Type: GrantFiled: November 15, 2001Date of Patent: April 2, 2013Assignee: The Western Union CompanyInventors: Terry Allen-Rouman, John Joseph Mascavage, III, Margaret Morgan Weichert
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Patent number: 8315929Abstract: According to the invention, a process for transferring funds between a payor and a payee in an online transaction is disclosed. In one step, information is received from the payor for debiting a bank account associated with the payor. Authorization is transmitted to the payee to request debits from the payor. The total of all debit requests does not exceed an amount that is authorized. A first request is received from the payee to debit the customer a first portion of the amount. A first debit is initiated from the bank account for the first portion of the amount. A second request is received from the payee to debit the payor a second portion of the amount. A second debit is initiated from the bank account for the second portion of the amount.Type: GrantFiled: January 17, 2007Date of Patent: November 20, 2012Assignee: First Data CorporationInventors: Terry Allen-Rouman, John Joseph Mascavage, III, Margaret Morgan Weichert, Robert Edwin Dravenstott
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Publication number: 20120179610Abstract: An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer system separate from a vendor system or payee, validating and confirming personal financial information at the funds transfer system, and transferring funds from a purchaser or payor account to the vendor or a payee account without exposing either party's financial and account information to the other. Additionally, a funds transfer apparatus is disclosed comprising connections to a payor and payee system and mechanisms for receiving and validating party and transaction information and a mechanism for transferring funds from one party to the other.Type: ApplicationFiled: March 20, 2012Publication date: July 12, 2012Applicants: The Western Union Company, First Data CorporationInventors: Terry Allen-Rouman, Jack Michael Arrington, Keval Desai, Robert Edwin Dravenstott, Wendy D. Larson, Scott J. Levokove, John Joseph Mascavage, III, Peter Eric Philipp, Margaret Morgan Weichert
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Publication number: 20080162350Abstract: An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer system separate from a vendor system or payee, validating and confirming personal financial information at the funds transfer system, and transferring funds from a purchaser or payor account to the vendor or a payee account without exposing either party's financial and account information to the other. Additionally, a funds transfer apparatus is disclosed comprising connections to a payor and payee system and mechanisms for receiving and validating party and transaction information and a mechanism for transferring funds from one party to the other.Type: ApplicationFiled: March 13, 2008Publication date: July 3, 2008Applicants: First Data Corporation, The Western Union CompanyInventors: Terry Allen-Rouman, Jack Michael Arrington, Keval Desai, Robert Edwin Dravenstott, Wendy D. Larson, Scott J. Levokove, John Joseph Mascavage, Peter Eric Philipp, Margaret Morgan Weichert
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Patent number: 7366695Abstract: An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer system separate from a vendor system or payee, validating and confirming personal financial information at the funds transfer system, and transferring funds from a purchaser or payor account to the vendor or a payee account without exposing either party's financial and account information to the other. Additionally, a funds transfer apparatus is disclosed comprising connections to a payor and payee system and mechanisms for receiving and validating party and transaction information and a mechanism for transferring funds from one party to the other.Type: GrantFiled: February 29, 2000Date of Patent: April 29, 2008Assignees: First Data Corporation, The Western Union CompanyInventors: Terry Allen-Rouman, Jack Michael Arrington, Keval Desai, Robert Edwin Dravenstott, Wendy D. Larson, Scott J. Levokove, John Joseph Mascavage, III, Peter Eric Philipp, Margaret Morgan Weichert
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Publication number: 20070118472Abstract: According to the invention, a process for transferring funds between a payor and a payee in an online transaction is disclosed. In one step, information is received from the payor for debiting a bank account associated with the payor. Authorization is transmitted to the payee to request debits from the payor. The total of all debit requests does not exceed an amount that is authorized. A first request is received from the payee to debit the customer a first portion of the amount. A first debit is initiated from the bank account for the first portion of the amount. A second request is received from the payee to debit the payor a second portion of the amount. A second debit is initiated from the bank account for the second portion of the amount.Type: ApplicationFiled: January 17, 2007Publication date: May 24, 2007Applicant: First Data CorporationInventors: Terry Allen-Rouman, John Mascavage, Margaret Weichert, Robert Dravenstott
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Patent number: 7184980Abstract: According to the invention, a process for transferring funds between a payor and a payee in an online transaction is disclosed. In one step, information is received from the payor for debiting a bank account associated with the payor. Authorization is transmitted to the payee to request debits from the payor. The total of all debit requests does not exceed an amount that is authorized. A first request is received from the payee to debit the customer a first portion of the amount. A first debit is initiated from the bank account for the first portion of the amount. A second request is received from the payee to debit the payor a second portion of the amount. A second debit is initiated from the bank account for the second portion of the amount.Type: GrantFiled: November 15, 2001Date of Patent: February 27, 2007Assignees: First Data Corporation, The Western Union CompanyInventors: Terry Allen-Rouman, John Joseph Mascavage, III, Margaret Morgan Weichert, Robert Edwin Dravenstott
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Publication number: 20030093367Abstract: According to the invention, a process for transferring funds between a payor and a payee in an online transaction is disclosed. In one step, information is received from the payor for debiting a bank account associated with the payor. Authorization is transmitted to the payee to request debits from the payor. The total of all debit requests does not exceed an amount that is authorized. A first request is received from the payee to debit the customer a first portion of the amount. A first debit is initiated from the bank account for the first portion of the amount. A second request is received from the payee to debit the payor a second portion of the amount. A second debit is initiated from the bank account for the second portion of the amount.Type: ApplicationFiled: November 15, 2001Publication date: May 15, 2003Applicant: First Data CorporationInventors: Terry Allen-Rouman, John Joseph Mascavage, Margaret Morgan Weichert, Robert Edwin Dravenstott
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Publication number: 20020152160Abstract: According to the invention, a process for transferring funds in an online transaction between a first party and a second party is disclosed. In one step, a first account associated with the first party and a second account associated with the second party are determined. At least one of the first account and the second account is a bank account. A first transfer is initiated between the first account and a third account. The third account is not associated with either the first party or the second party. Notification is receiver that the first transfer has cleared. A second transfer between the third account and the second account is initiated before notification that the first transfer has cleared is received.Type: ApplicationFiled: November 15, 2001Publication date: October 17, 2002Inventors: Terry Allen-Rouman, John Joseph Mascavage, Margaret Morgan Weichert