Patents by Inventor Dean Seifert
Dean Seifert 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: 10783502Abstract: Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include determining a default service fee charged for the funds transfer by a funds-transfer company of a subset of the plurality of different funds-transfer companies. The method may additionally include transmitting to at least one funds-transfer company of the subset of the plurality of different funds-transfer companies details of the funds transfer, where the details of the funds-transfer comprises the default service fee. The method may furthermore include transmitting an identification of the subset of the plurality of different funds-transfer companies, each of which is capable of completing the funds transfer in accordance with the defined parameters, the subset including at least two of the plurality of different funds-transfer companies.Type: GrantFiled: August 4, 2014Date of Patent: September 22, 2020Assignee: The Western Union CompanyInventors: Michael Michelsen, Kurt Hansen, Dean A. Seifert, Kenneth Algiene
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Patent number: 10558960Abstract: One method for transferring funds includes receiving at a web server computer a request to transfer funds from a sender to a receiver. The request includes information identifying the sender and a payment vehicle for providing funds to transfer. The payment vehicle is validated and a transaction identifier is generated or assigned. The transaction identifier may be transmitted from the web server computer to the sender. When ready to receive the funds, the transaction identifier is entered into an ATM. If the transaction identifier is validated, the funds are dispensed from the ATM.Type: GrantFiled: August 18, 2015Date of Patent: February 11, 2020Assignee: The Western Union CompanyInventors: Gupta Sesha Raghavendra Tulluri, Mark Thompson, Dean A. Seifert
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Publication number: 20190325439Abstract: A computerized method of verifying the identity of an attendant operating a money transfer transaction device includes receiving at the money transfer transaction device a user identification and password from the attendant and receiving at the money transfer transaction device additional information from the attendant. The additional information relates to a security feature that limits access to the transaction device. The method also includes using the additional information, the user identification, and the password to evaluate whether to allow the attendant to operate the transaction device to process a transaction.Type: ApplicationFiled: July 1, 2019Publication date: October 24, 2019Applicant: The Western Union CompanyInventors: Michael J. Michelsen, Paul Blair, Dean Seifert, Joseph Cachey
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Patent number: 10402824Abstract: A computerized method of verifying the identity of an attendant operating a money transfer transaction device includes receiving at the money transfer transaction device a user identification and password from the attendant and receiving at the money transfer transaction device additional information from the attendant. The additional information relates to a security feature that limits access to the transaction device. The method also includes using the additional information, the user identification, and the password to evaluate whether to allow the attendant to operate the transaction device to process a transaction.Type: GrantFiled: January 29, 2013Date of Patent: September 3, 2019Assignee: The Western Union CompanyInventors: Michael J. Michelsen, Paul Blair, Dean Seifert, Joseph Cachey
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Publication number: 20160314444Abstract: A method for transferring money may include providing a money transfer instrument having product information and a monetary value associated therewith. The method may also include capturing the product information by a POS terminal in response to the sender purchasing the money transfer instrument. The method may further include generating and issuing a personal identifier to the sender on a receipt printed at the POS terminal. The method may additionally include receiving from the sender money transfer information along with the personal identifier. The method may moreover include generating and transmitting to the sender a money transfer control identifier that is separate from the personal identifier. The method may furthermore include receiving from the recipient the money transfer control identifier to receive transferred money at a money transfer location.Type: ApplicationFiled: July 5, 2016Publication date: October 27, 2016Applicant: The Western Union CompanyInventors: Assaad G. Hanna, Kurt L. Hansen, Dean A. Seifert
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Patent number: 9384476Abstract: A method for transferring money may include providing a money transfer instrument having product information and a monetary value associated therewith. The method may also include capturing the product information by a POS terminal in response to the sender purchasing the money transfer instrument. The method may further include generating and issuing a personal identifier to the sender on a receipt printed at the POS terminal. The method may additionally include receiving from the sender money transfer information along with the personal identifier. The method may moreover include generating and transmitting to the sender a money transfer control identifier that is separate from the personal identifier. The method may furthermore include receiving from the recipient the money transfer control identifier to receive transferred money at a money transfer location.Type: GrantFiled: March 17, 2014Date of Patent: July 5, 2016Assignee: The Western Union CompanyInventors: Assaad G. Hanna, Kurt L. Hansen, Dean A. Seifert
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Publication number: 20160048818Abstract: One method for transferring funds includes receiving at a web server computer a request to transfer funds from a sender to a receiver. The request includes information identifying the sender and a payment vehicle for providing funds to transfer. The payment vehicle is validated and a transaction identifier is generated or assigned. The transaction identifier may be transmitted from the web server computer to the sender. When ready to receive the funds, the transaction identifier is entered into an ATM. If the transaction identifier is validated, the funds are dispensed from the ATM.Type: ApplicationFiled: August 18, 2015Publication date: February 18, 2016Inventors: Gupta Sesha Raghavendra Tulluri, Mark Thompson, Dean A. Seifert
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Publication number: 20150339674Abstract: A system for generating transaction settlement identifiers includes an arrangement configured to receive a biometric sample from a customer and an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements. A mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer also may be included.Type: ApplicationFiled: August 5, 2015Publication date: November 26, 2015Inventors: Tim Keane, Dean Seifert, Jonathan Grahmann
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Patent number: 9123044Abstract: A system for generating transaction settlement identifiers includes an arrangement configured to receive a biometric sample from a customer and an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements. A mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer also may be included.Type: GrantFiled: June 29, 2014Date of Patent: September 1, 2015Assignee: THE WESTERN UNION COMPANYInventors: Tim Keane, Dean Seifert, Jonathan Grahmann
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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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Publication number: 20150073979Abstract: Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include determining a default service fee charged for the funds transfer by a funds-transfer company of a subset of the plurality of different funds-transfer companies. The method may additionally include transmitting to at least one funds-transfer company of the subset of the plurality of different funds-transfer companies details of the funds transfer, where the details of the funds-transfer comprises the default service fee. The method may furthermore include transmitting an identification of the subset of the plurality of different funds-transfer companies, each of which is capable of completing the funds transfer in accordance with the defined parameters, the subset including at least two of the plurality of different funds-transfer companies.Type: ApplicationFiled: August 4, 2014Publication date: March 12, 2015Inventors: Michael Michelsen, Kurt Hansen, Dean A. Seifert, Kenneth Algiene
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Patent number: 8960537Abstract: The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.Type: GrantFiled: November 21, 2012Date of Patent: February 24, 2015Assignee: The Western Union CompanyInventors: Kurt Bulawa, Corey Allen Bohler, Dean A. Seifert, Thomas B. Sayor, Mark Baumgart, Erik S. Crawford
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Patent number: 8955741Abstract: One method involves payment of money to a recipient traveling to one or more foreign countries by entering into a remote computer money transfer information from a sender. The money transfer information comprises recipient identification information, at least one country where the money is to be received, and a payment amount in an originating currency. The money transfer information is transmitted to a host computer system. When ready to receive payment in the designated country, recipient identification information along with a request to withdraw a portion of a possible payment amount is entered into a payout computer. The recipient identification information and the request to withdraw is transmitted to a host computer system, and the requested withdrawal is provided to the recipient in the local currency.Type: GrantFiled: May 18, 2009Date of Patent: February 17, 2015Assignee: The Western Union CompanyInventors: Kurt Hansen, Dean A. Seifert, Mark Thompson, Mike Michelsen
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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: 20140344089Abstract: A method for transferring money may include providing a money transfer instrument having product information and a monetary value associated therewith. The method may also include capturing the product information by a POS terminal in response to the sender purchasing the money transfer instrument. The method may further include generating and issuing a personal identifier to the sender on a receipt printed at the POS terminal. The method may additionally include receiving from the sender money transfer information along with the personal identifier. The method may moreover include generating and transmitting to the sender a money transfer control identifier that is separate from the personal identifier. The method may furthermore include receiving from the recipient the money transfer control identifier to receive transferred money at a money transfer location.Type: ApplicationFiled: March 17, 2014Publication date: November 20, 2014Applicant: The Western Union CompanyInventors: Assaad G. Hanna, Kurt L. Hansen, Dean A. Seifert
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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: 20140316986Abstract: A system for generating transaction settlement identifiers includes an arrangement configured to receive a biometric sample from a customer and an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements. A mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer also may be included.Type: ApplicationFiled: June 29, 2014Publication date: October 23, 2014Inventors: Tim Keane, Dean Seifert, Jonathan Grahmann
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Patent number: 8818904Abstract: A system for generating transaction settlement identifiers includes an arrangement configured to receive a biometric sample from a customer and an arrangement configured to use the biometric sample to select the transaction settlement identifier from a pool of predetermined transaction settlements. A mapping arrangement configured to map the selected financial transaction settlement identifier to an identifier of the customer also may be included.Type: GrantFiled: January 17, 2007Date of Patent: August 26, 2014Assignee: The Western Union CompanyInventors: Tim Keane, Dean Seifert, Jonathan Grahmann
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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: 8672220Abstract: A money transfer system using a money transfer instrument purchased at a retail location. The system includes a POS terminal for entering a UPC code carried on the instrument. The POS terminal issues a PIN in response to the UPC code, with the PIN printed on a receipt. The customer may enter the PIN on the instrument. The customer later uses the PIN to obtain a money transfer control number (MTCN) associated with a record of the transfer transaction from a money transfer host.Type: GrantFiled: September 30, 2005Date of Patent: March 18, 2014Assignee: The Western Union CompanyInventors: Assaad G. Hanna, Kurt L. Hansen, Dean A. Seifert