Patents by Inventor James M. Henry
James M. Henry 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: 20140244509Abstract: 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: ApplicationFiled: May 7, 2014Publication date: August 28, 2014Applicant: Moneygram International, Inc.Inventor: James M. Henry
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Publication number: 20140207664Abstract: An automated process for processing application data related to agent on-boarding in a money transfer system includes proforma subprocessing to pre-qualify the application data, analysis subprocessing to analyze the application data, set-up subprocessing to set up agents on the money transfer system and training subprocessing to train the agents on services provided by the money transfer system. Each of the subprocesses accepts an administrator input in response to the application data. In response to the administrator input, each of the subprocesses has an outcome that is one of forwarding the data, denying the data, notifying an originator of the application data and requesting additional data.Type: ApplicationFiled: March 21, 2014Publication date: July 24, 2014Applicant: MoneyGram International, Inc.Inventors: Eric J. Sander, Peter E. Ohser, Bart J. Davis, James M. Henry
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Patent number: 8733636Abstract: A staged bill payment transaction method comprises receiving transaction information from a user terminal at a kiosk, building a staging record at a data center in communication with the kiosk, and providing a retrieval key to the sender. The transaction information includes sender and biller information, for example where the sender has an account with the biller. The staging record comprises the transaction information and the retrieval key, which identifies the staging record for finalizing the transaction. If the retrieval key leads to the staging record at the data center, the staged bill payment transaction proceeds to credit a send amount to biller. If not, the transaction is rejected.Type: GrantFiled: June 3, 2013Date of Patent: May 27, 2014Assignee: Moneygram International, Inc.Inventors: James M. Henry, Billy Joe Steiger, Jr.
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Patent number: 8720773Abstract: 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: October 11, 2013Date of Patent: May 13, 2014Assignee: Moneygram International, Inc.Inventor: James M. Henry
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Publication number: 20140040138Abstract: 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: ApplicationFiled: October 11, 2013Publication date: February 6, 2014Applicant: Moneygram International, Inc.Inventor: James M. Henry
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Publication number: 20130339227Abstract: A staged bill payment transaction method comprises receiving transaction information from a user terminal at a kiosk, building a staging record at a data center in communication with the kiosk, and providing a retrieval key to the sender. The transaction information includes sender and biller information, for example where the sender has an account with the biller. The staging record comprises the transaction information and the retrieval key, which identifies the staging record for finalizing the transaction. If the retrieval key leads to the staging record at the data center, the staged bill payment transaction proceeds to credit a send amount to biller. If not, the transaction is rejected.Type: ApplicationFiled: June 3, 2013Publication date: December 19, 2013Inventors: James M. Henry, Billy Joe Steiger, JR.
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Patent number: 8567668Abstract: A method for performing transactions comprises receiving registration in formation 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: February 19, 2013Date of Patent: October 29, 2013Assignee: Moneygram International, Inc.Inventor: James M. Henry
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Publication number: 20130166443Abstract: A method for performing transactions comprises receiving registration in formation 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: ApplicationFiled: February 19, 2013Publication date: June 27, 2013Applicant: Moneygram International, Inc.Inventor: James M. Henry
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Patent number: 8453923Abstract: A method of performing a money transfer transaction involves receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection and, responsive to the information from the user received at the kiosk, building a staging record for the transaction. The staging record includes at least a retrieval key to identify the staging record and a transaction type identifier. The method provides to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment.Type: GrantFiled: October 3, 2011Date of Patent: June 4, 2013Assignee: MoneyGram International, Inc.Inventors: James M. Henry, Billy Joe Steiger, Jr.
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Patent number: 8387868Abstract: A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment source identification and performing verification of at least a portion of the identification and qualification information and the payment source identification and upon sufficient verification building a distribution profile. The method proceeds by receiving from the customer and storing in the distribution profile send transaction specifications for staging each of one or more proposed send transactions, and receiving a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile and at least one send transaction specification to be executed.Type: GrantFiled: July 19, 2012Date of Patent: March 5, 2013Assignee: MoneyGram International, Inc.Inventor: James M. Henry
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Publication number: 20120323790Abstract: A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment source identification and performing verification of at least a portion of the identification and qualification information and the payment source identification and upon sufficient verification building a distribution profile. The method proceeds by receiving from the customer and storing in the distribution profile send transaction specifications for staging each of one or more proposed send transactions, and receiving a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile and at least one send transaction specification to be executed.Type: ApplicationFiled: July 19, 2012Publication date: December 20, 2012Inventor: James M. Henry
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Patent number: 8225992Abstract: A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment source identification and performing verification of at least a portion of the identification and qualification information and the payment source identification and upon sufficient verification building a distribution profile. The method proceeds by receiving from the customer and storing in the distribution profile send transaction specifications for staging each of one or more proposed send transactions, and receiving a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile and at least one send transaction specification to be executed.Type: GrantFiled: January 31, 2011Date of Patent: July 24, 2012Assignee: MoneyGram International, Inc.Inventor: James M. Henry
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Publication number: 20120074216Abstract: A method of performing a money transfer transaction involves receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection and, responsive to the information from the user received at the kiosk, building a staging record for the transaction. The staging record includes at least a retrieval key to identify the staging record and a transaction type identifier. The method provides to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment.Type: ApplicationFiled: October 3, 2011Publication date: March 29, 2012Inventors: James M. Henry, Billy Joe Steiger, JR.
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Patent number: 8028901Abstract: A method of performing a money transfer transaction involves receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection and, responsive to the information from the user received at the kiosk, building a staging record for the transaction. The staging record includes at least a retrieval key to identify the staging record and a transaction type identifier. The method provides to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment.Type: GrantFiled: August 30, 2010Date of Patent: October 4, 2011Assignee: MoneyGram International, Inc.Inventors: James M. Henry, Billy Joe Steiger, Jr.
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Publication number: 20110191240Abstract: A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment source identification and performing verification of at least a portion of the identification and qualification information and the payment source identification and upon sufficient verification building a distribution profile. The method proceeds by receiving from the customer and storing in the distribution profile send transaction specifications for staging each of one or more proposed send transactions, and receiving a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile and at least one send transaction specification to be executed.Type: ApplicationFiled: January 31, 2011Publication date: August 4, 2011Inventor: James M. Henry
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Publication number: 20110031307Abstract: A method of performing a money transfer transaction involves receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection and, responsive to the information from the user received at the kiosk, building a staging record for the transaction. The staging record includes at least a retrieval key to identify the staging record and a transaction type identifier. The method provides to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment.Type: ApplicationFiled: August 30, 2010Publication date: February 10, 2011Inventors: James M. Henry, Billy Joe Steiger, JR.
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Patent number: 7878393Abstract: A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment source identification and performing verification of at least a portion of the identification and qualification information and the payment source identification and upon sufficient verification building a distribution profile. The method proceeds by receiving from the customer and storing in the distribution profile send transaction specifications for staging each of one or more proposed send transactions, and receiving a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile and at least one send transaction specification to be executed.Type: GrantFiled: December 7, 2006Date of Patent: February 1, 2011Assignee: MoneyGram International, Inc.Inventor: James M Henry
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Patent number: 7798397Abstract: A method of performing a money transfer transaction involves receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection and, responsive to the information from the user received at the kiosk, building a staging record for the transaction. The staging record includes at least a retrieval key to identify the staging record and a transaction type identifier. The method provides to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment.Type: GrantFiled: August 15, 2007Date of Patent: September 21, 2010Assignee: MoneyGram International, Inc.Inventors: James M. Henry, Billy Joe Steiger, Jr.
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Publication number: 20100100426Abstract: An automated process for processing application data related to agent on-boarding in a money transfer system includes proforma subprocessing to pre-qualify the application data, analysis subprocessing to analyze the application data, set-up subprocessing to set up agents on the money transfer system and training subprocessing to train the agents on services provided by the money transfer system. Each of the subprocesses accepts an administrator input in response to the application data. In response to the administrator input, each of the subprocesses has an outcome that is one of forwarding the data, denying the data, notifying an originator of the application data and requesting additional data.Type: ApplicationFiled: October 23, 2008Publication date: April 22, 2010Applicant: MoneyGram International, Inc.Inventors: Eric J. Sander, Peter E. Ohser, Bart J. Davis, James M. Henry
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Patent number: D630298Type: GrantFiled: March 23, 2010Date of Patent: January 4, 2011Inventor: James M. Henry