Patents Assigned to MoneyGram International, Inc.
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Patent number: 9992175Abstract: Systems, methods, and computer-readable media for providing standards compliant encryption, storage, and retrieval of date are disclosed. In an embodiment, data is received at a first data center from a first device in connection with a service request, and encrypted to produce encrypted data. The encrypted data may be transmitted from the first data center to the first device, and then may subsequently be received at a second data center. The second data center may store the encrypted data in a database accessible to the second data center. Because all data provided to the system is encrypted by the first data center prior to being stored and/or provided to the second data center, the database and the second data canter may be out of the scope of compliance monitoring, auditing, and reporting for one or more date security standards.Type: GrantFiled: January 8, 2016Date of Patent: June 5, 2018Assignee: Moneygram International, Inc.Inventor: Aaron Ferguson Cooley
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Patent number: 9953306Abstract: A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.Type: GrantFiled: August 28, 2017Date of Patent: April 24, 2018Assignee: Moneygram International Inc.Inventors: John Patrick Kelly, III, Connie Darlene Jacobson, Dinesh Pattanashettaru, LaVonne Lynne Engman
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Patent number: 9943761Abstract: A money transfer system is promoted by providing a user access to a game or contest generated by a promotions engine computer. The user is directed to a customer relations portal accessible via an access device to participate in the game or contest. The customer relations portal comprising a server configured to manage the game or contest and associated with the promotions engine computer. A response is received from the user at the server related to the user's participation in the game or contest. The server determines whether the user is to receive a reward or prize based on the response from the user, and an output is provided to the user on the access device indicating whether the user is to receive the reward or prize.Type: GrantFiled: September 1, 2017Date of Patent: April 17, 2018Assignee: MoneyGram International, Inc.Inventors: Yassir Zouiten, Dorilyn Lee Sletten
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Patent number: 9858574Abstract: A computer system is operated to prevent fraud in a money transfer receive transaction. A send transaction request is received from a sender for a money transfer including a send amount. The sender is prompted to select one or more security inputs to be supplied by a receiver for redemption of the money transfer. A send transaction record is stored with the selected one or more security inputs in a server. A receive transaction request is then received from the receiver. The receiver is prompted for the one or more security inputs set for redemption of the money transfer, and the provided one or more security inputs from the receiver are received. The received one or more security inputs are authenticated, and release of funds in the send amount is authorized if the received one or more security inputs are authenticated.Type: GrantFiled: June 3, 2014Date of Patent: January 2, 2018Assignee: MoneyGram International, Inc.Inventors: Keith Fulton, Chris Van Matre, Billy Joe Steiger, Eric J. Sander, Olakunle H. Olamuyiwa, Georgina Essah
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Patent number: 9858578Abstract: A method of staging a transaction includes receiving transaction information including a transaction type, sender and recipient information, and compliance data. A staging record is generated responsive to the transaction information, including a retrieval key for fulfillment of the transaction at an agent terminal, where the transaction proceeds if the retrieval key leads to the staging record and the compliance data are consistent with applicable rules.Type: GrantFiled: March 20, 2017Date of Patent: January 2, 2018Assignee: MONEYGRAM INTERNATIONAL, INC.Inventors: James M. Henry, Billy Joe Steiger, Jr.
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Patent number: 9830592Abstract: A method for performing transactions comprises receiving registration information and transaction specifications, generating a customer profile based on the registration information, and storing the transaction specifications in the distribution profile. The customer profile is identified based on an initiation instruction and associated user authentication data, and one of the transaction specifications is identified based on the initiation instruction. Payment source status is verified and a send transaction is initiated, based on the payment source status.Type: GrantFiled: February 27, 2017Date of Patent: November 28, 2017Assignee: MONEYGRAM INTERNATIONAL, INC.Inventor: James M. Henry
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Patent number: 9792599Abstract: A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.Type: GrantFiled: December 13, 2016Date of Patent: October 17, 2017Assignee: Moneygram International, Inc.Inventors: John Patrick Kelly, III, Connie Darlene Jacobson, Dinesh Pattanashettaru, LaVonne Lynne Engman
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Patent number: 9751006Abstract: A money transfer system is promoted by providing a user access to a game or contest generated by a promotions engine computer. The user is directed to a customer relations portal accessible via an access device to participate in the game or contest. The customer relations portal comprising a server configured to manage the game or contest and associated with the promotions engine computer. A response is received from the user at the server related to the user's participation in the game or contest. The server determines whether the user is to receive a reward or prize based on the response from the user, and an output is provided to the user on the access device indicating whether the user is to receive the reward or prize.Type: GrantFiled: February 4, 2014Date of Patent: September 5, 2017Assignee: MoneyGram International, Inc.Inventors: Yassir Zouiten, Dorilyn Lee Sletten
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Patent number: 9727872Abstract: Systems, methods and devices which utilize near field communication-style technologies in conjunction with one or more of personal devices and communication networks in order to provide for improved customer interactions with a service establishment are provided. In one embodiment an application is configured to provide for various functionality upon the triggering of a near-field communication stimulus. For example, upon scanning a near field device, an application may launch that provides a user with pre-determined information. Such information may include information regarding the nearest locations of a service establishment and approximate wait times for transactions at the listed locations. In another embodiment, the pre-determined information may include information regarding promotions available to a customer such as special offers, coupons, advertisements, and the like.Type: GrantFiled: October 4, 2012Date of Patent: August 8, 2017Assignee: Moneygram International, Inc.Inventors: Daniela Popescu, Mark Crowson, Elena Trubitsyna, Pak Kiu Tse, Nicholas Ware, David Walker
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Patent number: 9626665Abstract: A system and method for performing transactions uses a plurality of tokens for retail sale, each token representing a send transaction. A computer system is connectable to receive data representing a send transaction identifier of at least one token and the computer system presents to the sender a completion interface that includes fields for receiving send transaction information comprising sender identification information, recipient identification information and options related to the transfer. In response to receipt of sufficient information entered at the completion interface, a memory stores an active, funded send transaction record in the computer system including the options.Type: GrantFiled: July 22, 2015Date of Patent: April 18, 2017Assignee: MONEYGRAM INTERNATIONAL, INC.Inventors: Richard T. Meszaros, Eric James Sander, Yassir Zouiten
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Patent number: 9626670Abstract: A staged payment transaction method comprises receiving transaction information, identifying a staging record at a computer system or data processor, and providing a retrieval key or token to a user device. The staging record comprises the transaction information and the retrieval key or token identifies the staging record for finalizing the transaction.Type: GrantFiled: October 12, 2015Date of Patent: April 18, 2017Assignee: MONEYGRAM INTERNATIONAL, INC.Inventors: James M. Henry, Billy Joe Steiger, Jr.
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Patent number: 9619790Abstract: Systems and methods which allow for a money transfer transaction to be funded without providing payment at the point in time when the transaction is originated and which also do not require a customer to undertake a separate transaction with a separate entity prior to initiating the money transfer transaction with a money transfer service are provided. Embodiments may therefore allow for money transfers, such as in emergency situations, when customers would not otherwise have payment readily available at the time of the transaction.Type: GrantFiled: July 2, 2012Date of Patent: April 11, 2017Assignee: Moneygram International, Inc.Inventors: Raymond Zurn, Emelyn Varness, Mindy P. Gibson, Lisa Minogue, Leslie Korsh, Douglas Porter
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Patent number: 9613347Abstract: A method of staging a transaction includes receiving transaction information at an automated terminal. A staging record is generated for the transaction, responsive to the transaction information received. The staging record includes a retrieval key to identify the staging record, and a transaction type identifier. Instructions are provided for fulfillment of the transaction at an agent terminal, where the transaction is rejected if the retrieval key does not lead to the staging record and the transaction proceeds if the retrieval key leads to the staging record.Type: GrantFiled: September 23, 2016Date of Patent: April 4, 2017Assignee: MONEYGRAM INTERNATIONAL, INC.Inventors: James M. Henry, Billy Joe Steiger, Jr.
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Patent number: 9589267Abstract: A method comprises receiving registration information and transaction specifications, and storing the transaction specifications in a distribution profile. Based on an initiation instruction and associated user authentication data, one of the transaction specifications in the distribution profile is identified. Payment source status is verified and a send transaction is initiated, based on the payment source status.Type: GrantFiled: March 23, 2016Date of Patent: March 7, 2017Assignee: MoneyGram International, Inc.Inventor: James M. Henry
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Patent number: 9542677Abstract: A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.Type: GrantFiled: August 30, 2016Date of Patent: January 10, 2017Assignee: Moneygram International, Inc.Inventors: John Patrick Kelly, III, Connie Darlene Jacobson, Dinesh Pattanashettaru, LaVonne Lynne Engman
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Patent number: 9430918Abstract: A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.Type: GrantFiled: September 23, 2014Date of Patent: August 30, 2016Assignee: Moneygram International, Inc.Inventors: John Patrick Kelly, III, Connie Darlene Jacobson, Dinesh Pattanashettaru, LaVonne Lynne Engman
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Patent number: 9367838Abstract: A staged bill payment transaction method comprises receiving transaction information, building a staging record at a data center, and providing a retrieval key or code. The staging record comprises the transaction information and the retrieval key or code identifies the staging record for finalizing the transaction.Type: GrantFiled: November 11, 2015Date of Patent: June 14, 2016Assignee: MoneyGram International, Inc.Inventors: James M. Henry, Billy Joe Steiger, Jr.
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Patent number: 9299068Abstract: A method for performing transactions comprises receiving registration information and money transfer transaction specifications, generating a distribution profile based on the registration information, and storing the money transfer transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the money transfer transaction specifications in the distribution profile is identified based on the initiation instruction. Payment source status is verified according to the identified money transfer transaction specification, and a staged send transaction is initiated, based on the payment source status at the time the send transaction is initiated.Type: GrantFiled: April 24, 2015Date of Patent: March 29, 2016Assignee: MONEYGRAM INTERNATIONAL, INC.Inventor: James M. Henry
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Publication number: 20150379516Abstract: A method of authenticating information associated with a consumer in connection with a third party transaction is disclosed and includes receiving transaction information descriptive of a transaction initiated between a consumer and a third party. The method may include determining a type verification to be performed based on the transaction information, and receiving an input associated with authentication of information associated with the consumer. The authentication may be performed based on the type of verification indicated in the transaction information. The method may include generating verification information based on the input associated with the authentication of information associated with the consumer.Type: ApplicationFiled: June 25, 2014Publication date: December 31, 2015Applicant: Moneygram International, Inc.Inventors: Eva Marie Yingst, Jeffrey S. Countryman, Nicholas B. Lewis, Vijaysenthil Veeriah, Denise Brown
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Publication number: 20150348038Abstract: A method includes receiving, by a processor, a request to initiate a money transfer transaction between a sending party and a receiving party. The request may include information identifying an account associated with the receiving party. The method includes initiating, by the processor, validation of the account associated with the receiving party. The method includes initiating, by the processor, the money transfer transaction between the sending party and the receiving party in response to a determination that the account associated with the receiving party is valid. Initiation of the money transfer transaction causes funds to be deposited into the account associated with the receiving party.Type: ApplicationFiled: June 3, 2014Publication date: December 3, 2015Applicant: Moneygram International, Inc.Inventors: Christopher Melvin Donald Femrite, Wendi Schlarb, Zahid Zoebbhai Kalolwala, Daniel Fletcher Bontrager, Kenneth Luk-Pat, Janice Chiew Keuk Ong, Alex Chan Lim, Elena Kuznetsov, Lisa Marie Minogue