Patents by Inventor Chris Cochran
Chris Cochran 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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Publication number: 20240087013Abstract: In an example implementation, a method includes receiving, at a computing device, borrower information and requested financing plan information. Likewise, a method includes outputting at least a portion of the received information to a second computing device and, after receiving an indication of a decision denying the requested financing plan, outputting at least a portion of the received information to a computing device associated with a lender and confirming, to a computing device associated with a borrower or a merchant that the information has been sent to the lender.Type: ApplicationFiled: November 17, 2023Publication date: March 14, 2024Inventors: David Zalik, Stefan Woulfin, Kyle Cochran, Matthew Baxter, Chris Parks, Joshua Melcher, Rahul Kulkarni, Guhan Raaghavan, Paul Anderson, Paul Rafferty, Timothy Kaliban, Michael Schuman, William Still
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Patent number: 11676149Abstract: A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.Type: GrantFiled: February 18, 2022Date of Patent: June 13, 2023Assignee: NCR CorporationInventors: Jerry McCarley, Mohammad Fraz Ahmed, Michael Winbun, Tammy Marks, Brad Nolan, Paul Gardiner, Michael Hafer, Chris Cochran
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Patent number: 11663639Abstract: 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: GrantFiled: March 19, 2021Date of Patent: May 30, 2023Assignee: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Publication number: 20220180365Abstract: A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.Type: ApplicationFiled: February 18, 2022Publication date: June 9, 2022Inventors: Jerry McCarley, Mohammad Fraz Ahmed, Michael Winbun, Tammy Marks, Brad Nolan, Paul Gardiner, Michael Hafer, Chris Cochran
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Publication number: 20210272175Abstract: 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: ApplicationFiled: March 19, 2021Publication date: September 2, 2021Applicant: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Patent number: 11037147Abstract: Embodiments of the invention provide a fraud deterrent for retail money transfer or stored value product. In some embodiments, a two dimensional grid of number, letters, characters, and/or symbols can be provided retail packaging or cards that can be used as a second authentication factor in order to redeem funds. In some embodiments, methods and/or systems are also provided that associate control numbers with the grid, create the grid, provide the grid on packaging, and/or use the grid to authenticate a customer.Type: GrantFiled: July 9, 2012Date of Patent: June 15, 2021Assignee: The Western Union CompanyInventors: William Madden, Chris Cochran, Patty McKernan
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Patent number: 10984459Abstract: 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: GrantFiled: December 17, 2018Date of Patent: April 20, 2021Assignee: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Publication number: 20200184432Abstract: According to the invention, a method for transferring funds from a sender to a pre-paid account to be assigned to a recipient is disclosed. The method may include receiving a request to perform a funds transfer, including an amount and a recipient, and determining whether to approve the request. Upon approval, the method may include selecting a first and second money transfer control number (MTCN). The method may include recording an association of the amount and the recipient with the first MTCN, and an association of the two MTCN's. The method may include sending the second MTCN out and later receiving a request to redeem which includes the second MTCN. The method may include determining the first MTCN based on the second MTCN, and whether to approve the request. Upon approval, an indication may be sent that the amount is available for funding of the pre-paid account of the recipient.Type: ApplicationFiled: December 10, 2019Publication date: June 11, 2020Applicant: The Western Union CompanyInventors: Chris Cochran, Gary Jeffords, Rodrigo Sada
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Patent number: 10504074Abstract: According to the invention, a method for transferring funds from a sender to a pre-paid account to be assigned to a recipient is disclosed. The method may include receiving a request to perform a funds transfer, including an amount and a recipient, and determining whether to approve the request. Upon approval, the method may include selecting a first and second money transfer control number (MTCN). The method may include recording an association of the amount and the recipient with the first MTCN, and an association of the two MTCN's. The method may include sending the second MTCN out and later receiving a request to redeem which includes the second MTCN. The method may include determining the first MTCN based on the second MTCN, and whether to approve the request. Upon approval, an indication may be sent that the amount is available for funding of the pre-paid account of the recipient.Type: GrantFiled: October 10, 2013Date of Patent: December 10, 2019Assignee: The Western Union CompanyInventors: Chris Cochran, Gary Jeffords, Rodrigo Sada
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Publication number: 20190122276Abstract: 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: ApplicationFiled: December 17, 2018Publication date: April 25, 2019Applicant: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Patent number: 10235704Abstract: 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: GrantFiled: December 30, 2013Date of Patent: March 19, 2019Assignee: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Patent number: 10102571Abstract: 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: GrantFiled: June 7, 2017Date of Patent: October 16, 2018Assignee: THE WESTERN UNION COMPANYInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Publication number: 20170270605Abstract: 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: ApplicationFiled: June 7, 2017Publication date: September 21, 2017Applicant: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Patent number: 9697567Abstract: 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: GrantFiled: August 7, 2015Date of Patent: July 4, 2017Assignee: THE WESTERN UNION COMPANYInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Publication number: 20150356674Abstract: 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: ApplicationFiled: August 7, 2015Publication date: December 10, 2015Applicant: THE WESTERN UNION COMPANYInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Publication number: 20150106259Abstract: According to the invention, a method for transferring funds from a sender to a pre-paid account to be assigned to a recipient is disclosed. The method may include receiving a request to perform a funds transfer, including an amount and a recipient, and determining whether to approve the request. Upon approval, the method may include selecting a first and second money transfer control number (MTCN). The method may include recording an association of the amount and the recipient with the first MTCN, and an association of the two MTCN's. The method may include sending the second MTCN out and later receiving a request to redeem which includes the second MTCN. The method may include determining the first MTCN based on the second MTCN, and whether to approve the request. Upon approval, an indication may be sent that the amount is available for funding of the pre-paid account of the recipient.Type: ApplicationFiled: October 10, 2013Publication date: April 16, 2015Applicant: The Western Union CompanyInventors: Chris Cochran, Gary Jeffords, Rodrigo Sada
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Patent number: 8818107Abstract: Embodiments of the invention provide methods, devices, and systems for personalizing presentation instruments. According to one embodiment, a method for personalizing presentation instruments may include providing account information for a plurality of accounts and providing a plurality of images. Each of the images may be associated with an account and may be formatted according to one or more defined parameters to facilitate placement of each image onto a presentation instrument. Each formatted image may be overlaid or placed onto a presentation instrument to personalize each presentation instrument and each presentation instrument may be associated with account information corresponding to the image overlaid or placed on the presentation instrument.Type: GrantFiled: March 7, 2012Date of Patent: August 26, 2014Assignee: The Western Union CompanyInventors: Will Madden, Chris Cochran, Linda Brodbeck, Joe Anzures
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Publication number: 20140188661Abstract: 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: ApplicationFiled: December 30, 2013Publication date: July 3, 2014Applicant: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Publication number: 20140012763Abstract: Embodiments of the invention provide a fraud deterrent for retail money transfer or stored value product. In some embodiments, a two dimensional grid of number, letters, characters, and/or symbols can be provided retail packaging or cards that can be used as a second authentication factor in order to redeem funds. In some embodiments, methods and/or systems are also provided that associate control numbers with the grid, create the grid, provide the grid on packaging, and/or use the grid to authenticate a customer.Type: ApplicationFiled: July 9, 2012Publication date: January 9, 2014Applicant: The Western Union CompanyInventors: William Madden, Chris Cochran, Patty McKernan
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Patent number: 8620799Abstract: 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: GrantFiled: January 18, 2011Date of Patent: December 31, 2013Assignee: The Western Union CompanyInventors: Michele Demark, Mike Michelsen, Diane Scott, Chris Cochran