Patents Assigned to The Western Union Company
  • Patent number: 11410227
    Abstract: According to the invention, a system for performing a money transfer between a sender an a recipient through the use of an augmented reality device is disclosed. The system may include a first mobile device associated with a first entity. The first mobile device may be configured to detect an indicator via an augmented reality subsystem. The indicator may include a characteristic and be associated with a second entity, as well as be configured to associate meta-information with the indicator. The first mobile device may further be configured to receive an input comprising an amount to be transferred from the first entity to the second entity and transmit a set of instructions to a money transfer network. The set of instructions may be based in part on the indicator and the input, and include instructions to perform a money transfer between the first entity and the second entity.
    Type: Grant
    Filed: September 14, 2018
    Date of Patent: August 9, 2022
    Assignee: The Western Union Company
    Inventors: Evans Mehew, Linda DeBerardinis
  • Patent number: 11403621
    Abstract: A method for coordinating data with a mobile wallet application on a mobile device is provided. The method may include receiving an instruction to add a digital card to a digital wallet, where the instruction includes an identifier of a transaction between a sending entity and a receiving entity facilitated by an intermediate entity. The method may also include receiving from the intermediate entity, status information associated with the digital card, which includes information associated with the transaction. The method may further include providing at least a portion of the status information to a secondary application. The method may additionally include receiving a selection of the digital card. The method may moreover include causing a tertiary application to execute based at least in part on the selection. The method may furthermore include sending to the tertiary application the identifier or at least some portion of the status information.
    Type: Grant
    Filed: March 3, 2017
    Date of Patent: August 2, 2022
    Assignee: The Western Union Company
    Inventor: Abhinav Gupta
  • Patent number: 11403684
    Abstract: According to the invention, a method for initiating a similar transaction to one previously initiated by a user is disclosed. The method may include sending a digital receipt for a first transaction to a user. The method may also include determining reminder information, where the reminder information indicates a future time or frequency. The method may further include sending to the user, upon occurrence of the future time or frequency, a digital reminder which includes an interactive element. The method may additionally include receiving an indication that the user has interacted with the interactive element, and initiating a second transaction having a characteristic in common with the first transaction based on the indication.
    Type: Grant
    Filed: October 17, 2019
    Date of Patent: August 2, 2022
    Assignee: The Western Union Company
    Inventor: Abhinav Gupta
  • Patent number: 11403920
    Abstract: A method of using a kiosk to dispense funds, a portion of which has a value less than the value of the lowest form of currency the kiosk dispenses. The method may include receiving information at the kiosk identifying a source for the funds and transmitting a request to a host computer to verify the source for the funds. The method may include receiving at the kiosk a verification of the funds and displaying on a display screen an amount of funds available for payment. The method may include receiving at the kiosk a request from a user to remit a first portion of the amount of funds in a first form, wherein the first form is selected from a group consisting of paper currency, money order, credit to an account, and credit to a stored value card.
    Type: Grant
    Filed: June 24, 2019
    Date of Patent: August 2, 2022
    Assignee: The Western Union Company
    Inventors: Paul A. Blair, Kenneth Algiene, Mark Thompson
  • Patent number: 11356414
    Abstract: Embodiments described herein relate generally to network-based threat detection mechanisms. Specifically, embodiments described herein describe a communication mechanism that filters (e.g., allows or blocks) received communications according to an iterative security list.
    Type: Grant
    Filed: March 9, 2020
    Date of Patent: June 7, 2022
    Assignee: The Western Union Company
    Inventor: Ricardo Ledezma Henry
  • Patent number: 11348087
    Abstract: A method for identifying a funds transfer opportunity in an electronic media accessed by a mobile device may include monitoring the electronic media for the funds transfer opportunity, identifying the funds transfer opportunity in the electronic media, and outputting indication for the funds transfer opportunity in the electronic media. The method may further include receiving confirmation to instantiate a funds transfer based on the indicated funds transfer opportunity on the mobile device and instantiating the funds transfer based on the received confirmation.
    Type: Grant
    Filed: December 6, 2019
    Date of Patent: May 31, 2022
    Assignee: The Western Union Company
    Inventor: Craig Brooks
  • Publication number: 20220166844
    Abstract: Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.
    Type: Application
    Filed: February 8, 2022
    Publication date: May 26, 2022
    Applicant: The Western Union Company
    Inventors: Vijaya Kouru, Sanjay Saraf
  • Publication number: 20220092221
    Abstract: Techniques and systems for protecting data input to a web-based application are provided herein. A method may include executing, within a web browser being executed by a computer system, a web-based application. Execution of the web-based application may include tagging one or more data fields as sensitive and fetching a public key from a remote server system. The method may include identifying, by the web-based application, a keystroke entry being input into the one or more data fields tagged as sensitive within the web-based application. Prior to storing the keystroke entry in memory mapped to the web browser, the method may include encrypting by the web-based application, the keystroke entry using the fetched public key to generate an encrypted entry. The web browser may store the encrypted entry to memory. Importantly, the keystroke entry may never be stored to the memory of the web browser in an unencrypted form.
    Type: Application
    Filed: September 23, 2020
    Publication date: March 24, 2022
    Applicant: The Western Union Company
    Inventors: Anthony Scillieri, Soumi Sarkar, Dmitriy Borinshteyn, Vikram Bhagat, Manjeet Kishan Kola
  • Publication number: 20220070162
    Abstract: The embodiments described herein relate generally to securely establishing an account and authentication metrics associated with a communication platform. An account associated with a communication platform may allow a user associated with the account to send and receive communications via the communication platform.
    Type: Application
    Filed: November 10, 2021
    Publication date: March 3, 2022
    Applicant: The Western Union Company
    Inventors: Abhinav Gupta, Shankar Narayan
  • Patent number: 11263606
    Abstract: A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.
    Type: Grant
    Filed: October 23, 2019
    Date of Patent: March 1, 2022
    Assignee: The Western Union Company
    Inventor: Kristine Diehl
  • Patent number: 11263691
    Abstract: Systems and methods for conducting money transfer transactions are provided herein. The systems and methods may include receiving and storing reference fingerprint data associated with a first device. The reference fingerprint data can include reference device usage data corresponding to operation of the first device. Current fingerprint data associated with the first device can also be received. Based on a number of previous transactions performed using the first device, a matching threshold can be retrieved. Using the matching threshold, the current fingerprint data may be verified, thereby enabling the first device to conduct a transaction.
    Type: Grant
    Filed: September 8, 2020
    Date of Patent: March 1, 2022
    Assignee: The Western Union Company
    Inventors: Evans Mehew, Kimberly Dunwoody, Dianna Lyons
  • Patent number: 11258875
    Abstract: Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. After receiving the initial transaction sender and receiver data from the integrated software component, the transaction server may determine transaction sender and transaction recipient locations, and may select a particular transaction user interface based on the sender and recipient location data. Particular transaction user interface also may be determined based on specific host applications. After determining the particular transaction user interface, the interface may be transmitted to the transaction client device, for example, via a content delivery network.
    Type: Grant
    Filed: July 1, 2019
    Date of Patent: February 22, 2022
    Assignee: The Western Union Company
    Inventors: Vijaya Kouru, Sanjay Saraf
  • Patent number: 11241835
    Abstract: Financial instruments are produced at a remote location by a 3D printer. In one embodiment, a request is made for a financial instrument, such as a prepaid gift instrument, by user system(s) at the remote location(s). The user system(s) may be at one or more of a retailer location, a money transfer agent location, or an instrument holder or recipient location (such as at an instrument holder/recipient's residence). An instrument issuer may transmit a print file to a user system which may in turn provide the print file to the 3D printer in order to produce the instrument. At least of a portion of the print file may be rendered unusable at the user system after being provided to or used by the 3D printer, in order to prevent use of the print file to produce unauthorized copies of the instrument.
    Type: Grant
    Filed: September 27, 2013
    Date of Patent: February 8, 2022
    Assignee: The Western Union Company
    Inventor: Scott R. Paintin
  • Patent number: 11184352
    Abstract: The embodiments described herein relate generally to securely establishing an account and authentication metrics associated with a communication platform. An account associated with a communication platform may allow a user associated with the account to send and receive communications via the communication platform.
    Type: Grant
    Filed: May 14, 2019
    Date of Patent: November 23, 2021
    Assignee: The Western Union Company
    Inventors: Abhinav Gupta, Shankar Narayan
  • Patent number: 11176544
    Abstract: A method of implementing collaborative funds transfer includes receiving, by a host computer system, from an entity a collaborative funds transfer request for a relief effort to be executed within a collaborative environment. The methods further includes verifying, by the host computer system, validity of the entity, receiving funds provided to the entity via the collaborative environment, reviewing services offered within the collaborative environment, reviewing communications regarding the funds transfer within the collaborative environment, and transferring the funds to the entity.
    Type: Grant
    Filed: July 10, 2019
    Date of Patent: November 16, 2021
    Assignee: The Western Union Company
    Inventor: Kimberly Dunwoody
  • Patent number: 11178544
    Abstract: Methods for capturing an image for identity verification and recordation are provided. The methods may include receiving, at a specialized processing device, transfer data from a remote terminal. The methods may include determining, based on the transfer data, that an identity verification process is required to execute the transfer data. The methods may include sending, based on a determination that the identity verification process is required, a first image file to the terminal for display. The methods may include receiving from a mobile device, information derived from the first image file which identifies the transfer data and a second image file. The methods may include determining, whether the second image file meets a predefined criteria associated with the transfer data identified by the information derived from the first image file. The methods may include sending an authorization signal upon determining that the second image file meets the criteria.
    Type: Grant
    Filed: February 15, 2017
    Date of Patent: November 16, 2021
    Assignee: The Western Union Company
    Inventor: Ranobroto Dutta
  • Patent number: 11176525
    Abstract: Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted to a host computer system from a point of sale device. The transaction information may be stored at the host computer system. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited.
    Type: Grant
    Filed: March 18, 2019
    Date of Patent: November 16, 2021
    Assignee: The Western Union Company
    Inventors: Michael J. Michelsen, Dan Canning, Roberto Ochoa, Rodolfo Zavaleta, Rodrigo Sada
  • Patent number: 11164244
    Abstract: In some embodiments, a non-transitory computer-implemented method of assessing a fraud risk is provided. The method can include: receiving data associated with a plurality of customer complaints, wherein data associated with each of the customer complaints at least suggests that a money-transfer transaction did not complete as expected, and wherein data associated with each of the customer complaints is associated with one or more of a plurality of money-transfer agents; electronically storing the data related in a complaint database; and for each of the plurality of money-transfer agents, using a risk processor to: retrieve data associated with the money-transfer agent from the complaint database, and determine a fraud-risk index for the money-transfer agent based on the retrieved data.
    Type: Grant
    Filed: September 19, 2019
    Date of Patent: November 2, 2021
    Assignee: The Western Union Company
    Inventors: Kevin Favreau, Hollis Baugh, Robert Enzaldo
  • Publication number: 20210314298
    Abstract: Techniques and systems for optimizing and cleaning rules for network-based authentication transactions are provided herein. A network-based authentication system may determine a plurality of rules that were previously used to evaluate a plurality of transactions. The network-based authentication system may also generate a false positive rate for one or more of the plurality of rules, A cleaning coefficient for a first rule of the plurality of rules may be generated by the network-based authentication system. Based on the cleaning coefficient and the false positive rate, the network-based authentication system may identify one or more rules from the plurality of rules to eliminate from the plurality of rules. The network-based authentication system may eliminate the one or more rules to generate a modified set of rules. Using the modified set of rules, the network-based authentication system may authenticate a network transaction.
    Type: Application
    Filed: April 1, 2020
    Publication date: October 7, 2021
    Applicant: The Western Union Company
    Inventors: Chaoyun Chen, Quan Li, Zifang Huang
  • Patent number: 11138610
    Abstract: A card number and an address are requested from a customer at a POS device. An AVS system compares the customer-provided address against a billing address or record for the card that is maintained by a card issuer. If the address provided by the customer matches the billing address of record, a second card number is requested from customer. That second card number is sent to the AVS system and the billing address stored by the issuer for the second card number is also checked against the address provided by the customer.
    Type: Grant
    Filed: October 21, 2019
    Date of Patent: October 5, 2021
    Assignee: The Western Union Company
    Inventor: Girish Balasubramanian