Patents by Inventor Dave Owen
Dave Owen 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: 10552815Abstract: According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.Type: GrantFiled: November 7, 2016Date of Patent: February 4, 2020Assignee: The Western Union CompanyInventors: Rebecca Loevenguth, Evans Mehew, Dave Owen, Dianna Lyons, Scott Paintin
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Patent number: 10552784Abstract: One method herein includes forwarding an invoice for a purchase agreement made between a seller and a buyer. The method includes receiving a service selection indicating that the invoice is to be paid using an escrow system. The service selection includes a token for verification of a buyer's signatory. The method receives funding confirmation that the buyer has deposited funds into an escrow account. Based on funding confirmation, notification to ship the goods is sent. The method receives shipping confirmation confirming that the goods have been shipped. Upon receipt of the goods, a receiver is authenticated as the authorized signatory using the verification system. This authentication is based on the stored token matching a provided token. Based on verification of the receiver, the goods are released and the deposited funds from the escrow account are deposited into the seller's account.Type: GrantFiled: February 3, 2014Date of Patent: February 4, 2020Assignee: The Western Union CompanyInventor: Dave Owen
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Patent number: 10535098Abstract: 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: GrantFiled: February 24, 2014Date of Patent: January 14, 2020Assignee: The Western Union CompanyInventors: Kurt Bulawa, Michele Demark, Michael Michelsen, Dave Owen
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Publication number: 20180011720Abstract: A method, system, and non-transitory computer readable medium to provide trigger-sensitive application help content to a user using a digital application. The method commences upon receiving an input application user interface, the input application user interface being encoded for display within a digital application context (e.g. on a computer screen or on a mobile device). Then, recoding the input application user interface to produce an output application user interface comprising one or more expandable screen devices added to the input application user interface. The user's progress (or lack thereof) is detected based on the user's interaction with the output application user interface page (e.g. on a computer screen or on a mobile device). At least one aspect of the method includes executing or otherwise interacting with a display protocol, the display protocol comprising detecting a trigger event, and revealing the expandable screen device to display an expanded screen device.Type: ApplicationFiled: September 21, 2017Publication date: January 11, 2018Applicant: Excalibur IP, LLCInventors: Carol Steinberg, John Lindal, Dave Owen
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Patent number: 9811350Abstract: A method, system, and non-transitory computer readable medium to provide trigger-sensitive application help content to a user using a digital application. The method commences upon receiving an input application user interface, the input application user interface being encoded for display within a digital application context (e.g. on a computer screen or on a mobile device). Then, recoding the input application user interface to produce an output application user interface comprising one or more expandable screen devices added to the input application user interface. The user's progress (or lack thereof) is detected based on the user's interaction with the output application user interface page (e.g. on a computer screen or on a mobile device). At least one aspect of the method includes executing or otherwise interacting with a display protocol, the display protocol comprising detecting a trigger event, and revealing the expandable screen device to display an expanded screen device.Type: GrantFiled: October 12, 2011Date of Patent: November 7, 2017Assignee: Excahbur IP, LLCInventors: Carol Steinberg, John Lindal, Dave Owen
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Publication number: 20170148008Abstract: According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.Type: ApplicationFiled: November 7, 2016Publication date: May 25, 2017Applicant: The Western Union CompanyInventors: Rebecca Loevenguth, Evans Mehew, Dave Owen, Dianna Lyons, Scott Paintin
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Patent number: 9489669Abstract: According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information.Type: GrantFiled: December 27, 2010Date of Patent: November 8, 2016Assignee: The Western Union CompanyInventors: Rebecca Loevenguth, Evans Mehew, Dave Owen, Dianna Lyons, Scott Paintin
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Publication number: 20150213423Abstract: A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.Type: ApplicationFiled: December 23, 2014Publication date: July 30, 2015Inventors: Matt Bixler, Robert Newton, Dean Seifert, Dave Owen, Elizabeth Petri
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Patent number: 8924291Abstract: A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.Type: GrantFiled: July 26, 2013Date of Patent: December 30, 2014Assignee: The Western Union CompanyInventors: Matt Bixler, Robert Newton, Dean Seifert, Dave Owen, Elizabeth Petri
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Publication number: 20140316985Abstract: A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party.Type: ApplicationFiled: February 3, 2014Publication date: October 23, 2014Applicant: THE WESTERN UNION COMPANYInventors: Dean Seifert, Matt Bixler, Dave Owen, Elizabeth Petri
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Publication number: 20140316977Abstract: 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: ApplicationFiled: February 24, 2014Publication date: October 23, 2014Applicant: The Western Union CompanyInventors: Kurt Bulawa, Michele Demark, Michael Michelsen, Dave Owen
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Publication number: 20140214689Abstract: One method herein includes forwarding an invoice for a purchase agreement made between a seller and a buyer. The method includes receiving a service selection indicating that the invoice is to be paid using an escrow system. The service selection includes a token for verification of a buyer's signatory. The method receives funding confirmation that the buyer has deposited funds into an escrow account. Based on funding confirmation, notification to ship the goods is sent. The method receives shipping confirmation confirming that the goods have been shipped. Upon receipt of the goods, a receiver is authenticated as the authorized signatory using the verification system. This authentication is based on the stored token matching a provided token. Based on verification of the receiver, the goods are released and the deposited funds from the escrow account are deposited into the seller's account.Type: ApplicationFiled: February 3, 2014Publication date: July 31, 2014Applicant: The Western Union CompanyInventor: Dave Owen
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Patent number: 8725637Abstract: This disclosure describes, generally, methods and systems for generating electronic invoices. The method may include logging on to an online invoicing service account, and looking up a customer account from multiple customers associated with the online invoicing service account. The method may further include selecting the customer account that has a pending financial transaction with a biller. A request for an electronic invoice to be generated for the selected customer is initiated and the electronic invoice may be transmitted to the selected customer.Type: GrantFiled: September 28, 2007Date of Patent: May 13, 2014Assignee: The Western Union CompanyInventors: Matt Bixler, Robert Newton, Dean Seifert, Dave Owen, Elizabeth Petri
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Patent number: 8645227Abstract: One method herein includes forwarding an invoice for a purchase agreement made between a seller and a buyer. The method includes receiving a service selection indicating that the invoice is to be paid using an escrow system. The service selection includes a token for verification of a buyer's signatory. The method receives funding confirmation that the buyer has deposited funds into an escrow account. Based on funding confirmation, notification to ship the goods is sent. The method receives shipping confirmation confirming that the goods have been shipped. Upon receipt of the goods, a receiver is authenticated as the authorized signatory using the verification system. This authentication is based on the stored token matching a provided token. Based on verification of the receiver, the goods are released and the deposited funds from the escrow account are deposited into the seller's account.Type: GrantFiled: January 31, 2008Date of Patent: February 4, 2014Assignee: The Western Union CompanyInventor: Dave Owen
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Patent number: 8645275Abstract: A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party.Type: GrantFiled: May 17, 2013Date of Patent: February 4, 2014Assignee: The Western Union CompanyInventors: Dean Seifert, Matt Bixler, Dave Owen, Elizabeth Petri
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Publication number: 20140032403Abstract: A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.Type: ApplicationFiled: July 26, 2013Publication date: January 30, 2014Applicant: The Western Union CompanyInventors: Matt Bixler, Robert Newton, Dean Seifert, Dave Owen, Elizabeth Petri
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Publication number: 20130311374Abstract: A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party.Type: ApplicationFiled: May 17, 2013Publication date: November 21, 2013Applicant: The Western Union CompanyInventors: Dean Seifert, Matt Bixler, Dave Owen, Elizabeth Petri
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Patent number: 8521648Abstract: A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.Type: GrantFiled: June 5, 2008Date of Patent: August 27, 2013Assignee: The Western University CompanyInventors: Matt Bixler, Robert Newton, Dean Seifert, Dave Owen, Elizabeth Petri
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Patent number: 8468096Abstract: A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party.Type: GrantFiled: November 23, 2010Date of Patent: June 18, 2013Assignee: The Western Union CompanyInventors: Dean Seifert, Matt Bixler, Dave Owen, Elizabeth Petri
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Publication number: 20130097498Abstract: A method, system, and non-transitory computer readable medium to provide trigger-sensitive application help content to a user using a digital application. The method commences upon receiving an input application user interface, the input application user interface being encoded for display within a digital application context (e.g. on a computer screen or on a mobile device). Then, recoding the input application user interface to produce an output application user interface comprising one or more expandable screen devices added to the input application user interface. The user's progress (or lack thereof) is detected based on the user's interaction with the output application user interface page (e.g. on a computer screen or on a mobile device). At least one aspect of the method includes executing or otherwise interacting with a display protocol, the display protocol comprising detecting a trigger event, and revealing the expandable screen device to display an expanded screen device.Type: ApplicationFiled: October 12, 2011Publication date: April 18, 2013Inventors: Carol Steinberg, John Lindal, Dave Owen