Patents by Inventor Ken Algiene
Ken Algiene 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: 20180205474Abstract: Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment a method can be implemented by obtaining digital content; offering said digital content to a wireless telephone user; receiving payment information from said user for purchase of said digital content; processing said payment information so as to confirm payment for said digital content; and then downloading said digital content to said wireless telephone of said wireless telephone user. Optionally, the transaction may be staged by the consumer, or others.Type: ApplicationFiled: March 14, 2018Publication date: July 19, 2018Applicants: First Data Corporation, The Western Union CompanyInventors: Peter Rae, Nancy Loomis, Ken Algiene, Kurt L. Hansen, Keith W. Dively
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Publication number: 20180139000Abstract: Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment a method can be implemented by obtaining digital content; offering said digital content to a wireless telephone user; receiving payment information from said user for purchase of said digital content; processing said payment information so as to confirm payment for said digital content; and then downloading said digital content to said wireless telephone of said wireless telephone user. Optionally, the transaction may be staged by the consumer, or others.Type: ApplicationFiled: November 14, 2017Publication date: May 17, 2018Applicants: First Data Corporation, The Western Union CompanyInventors: Peter Rae, Nancy Loomis, Ken Algiene, Kurt L. Hansen, Keith W. Dively
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Patent number: 9853759Abstract: Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment a method can be implemented by obtaining digital content; offering said digital content to a wireless telephone user; receiving payment information from said user for purchase of said digital content; processing said payment information so as to confirm payment for said digital content; and then downloading said digital content to said wireless telephone of said wireless telephone user. Optionally, the transaction may be staged by the consumer, or others.Type: GrantFiled: September 28, 2006Date of Patent: December 26, 2017Assignees: First Data Corporation, The Western Union CompanyInventors: Peter Rae, Nancy Loomis, Ken Algiene, Keith W. Dively
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Patent number: 9542684Abstract: A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.Type: GrantFiled: September 15, 2014Date of Patent: January 10, 2017Assignee: The Western Union CompanyInventors: Michael Jeronimus, Ken Algiene, Scott R. Paintin
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Patent number: 9129464Abstract: Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment, a method for accepting payments from a consumer for a good or service provided by a merchant comprises receiving a transaction request from the merchant, receiving a payment from the consumer, associating the payment with the transaction request, and sending at least a portion of the payment to the merchant. In this manner, the merchant stages the transaction, and the consumer completes the transaction by making the payment. An optional time limit feature also may be used, and the transaction may be staged by the consumer, or others.Type: GrantFiled: August 1, 2006Date of Patent: September 8, 2015Assignee: The Western Union CompanyInventors: Kurt L. Hansen, Thomas B. Sayor, Sharon K. Vialpando, Ken Algiene
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Publication number: 20150134527Abstract: A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.Type: ApplicationFiled: September 15, 2014Publication date: May 14, 2015Inventors: Michael Jeronimus, Ken Algiene, Scott R. Paintin
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Patent number: 8837784Abstract: A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.Type: GrantFiled: December 20, 2012Date of Patent: September 16, 2014Assignee: The Western Union CompanyInventors: Michael Jeronimus, Ken Algiene, Scott R. Paintin
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Publication number: 20130238501Abstract: A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.Type: ApplicationFiled: December 20, 2012Publication date: September 12, 2013Applicant: The Western Union CompanyInventors: Michael Jeronimus, Ken Algiene, Scott R. Paintin
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Patent number: 8345931Abstract: A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.Type: GrantFiled: November 21, 2006Date of Patent: January 1, 2013Assignee: The Western Union CompanyInventors: Michael Jeronimus, Ken Algiene, Scott R. Paintin
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Patent number: 8315952Abstract: Methods and systems are described for transferring funds from a sender to a recipient. Source funds are received from a sender. An amount of recipient funds is determined from a value of the source funds. A transfer identifier associated with the recipient funds is generated and provided to the sender. The transfer identifier is received from the recipient, prompting a transfer in control of the recipient funds to the recipient. At least one of the source funds and the recipient funds are in the form of one or more electronic tokens. Each such electronic token has a currency amount and a digital signature identifying a financial institution that backs the electronic token for the currency amount.Type: GrantFiled: March 12, 2007Date of Patent: November 20, 2012Assignee: First Data CorporationInventor: Ken Algiene
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Patent number: 8296233Abstract: Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.Type: GrantFiled: June 27, 2011Date of Patent: October 23, 2012Assignee: First Data CorporationInventors: Peter Robbins, Keith Newbrough, Ken Algiene
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Publication number: 20110315762Abstract: Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.Type: ApplicationFiled: June 27, 2011Publication date: December 29, 2011Applicant: First Data CorporationInventors: Peter Robbins, Keith Newbrough, Ken Algiene
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Patent number: 7991692Abstract: Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.Type: GrantFiled: October 9, 2006Date of Patent: August 2, 2011Assignee: First Data CorporationInventors: Peter Robbins, Keith Newbrough, Ken Algiene
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Publication number: 20080228565Abstract: According to the invention, a system for providing a coupon to a user is disclosed. The system may include a host computer system and a computer readable medium. The computer readable medium may include instructions for receiving a characteristic information set from a plurality of businesses, where each characteristic information set includes at least one characteristic of a business; receiving a coupon set from each of the businesses, where each coupon set includes at least one coupon for a product or service; receiving a search request from a user interface, where the search request includes a characteristic or an identifier, and where the identifier represents a product or a service; selecting a first coupon from a first coupon set based on a comparison of at least some portion of the search request and at least some portion of the characteristic information sets or coupon sets; and transmitting the first coupon.Type: ApplicationFiled: March 13, 2007Publication date: September 18, 2008Applicant: First Data CorporationInventor: Ken Algiene
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Patent number: 7413120Abstract: Transaction card assemblies, systems and methods of making are provided. One such assembly includes a card carrier having a card integrally formed within. The card peripherally engages the card carrier and is adapted to be removed from the card carrier. An encodable strip is disposed on the card. The strip has first and second encodable tracks. The first encodable track is positioned to be read by a point-of-sale device when the card is engaged with the card carrier, and the second encodable track is positioned to be read by the point-of-sale device after the card is separated from the carrier. In this manner, the card can be read using the same point-of-sale device whether or not the card has been separated from the carrier.Type: GrantFiled: July 7, 2006Date of Patent: August 19, 2008Assignee: First Data CorporationInventors: Cynthia M. Lewis, Ken Algiene, James F. Price, John R. Duesenberg
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Publication number: 20080195498Abstract: Systems and methods for providing connectivity to a wireless network may include a point of sale device at a merchant location that is used to receive an account identifier that in turn is associated with a stored value account of a customer. The account identifier is transmitted along with transaction data to a financial network to permit the stored value account to be processed according to the transaction request. When needing to receive wireless access, a customer using a personal communications device transmits a request to obtain wireless access while he is at the merchant location. An evaluation is performed to confirm that the customer has performed a transaction involving the stored value account within a certain time period. Wireless access to the wireless network is provided if the customer has performed the transaction within the certain time period.Type: ApplicationFiled: January 30, 2008Publication date: August 14, 2008Applicant: First DAta CorporationInventors: Erik S. Crawford, Thomas B. Sayor, Ken Algiene
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Publication number: 20080086418Abstract: Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.Type: ApplicationFiled: October 9, 2006Publication date: April 10, 2008Applicant: First Data CorporationInventors: Peter Robbins, Keith Newbrough, Ken Algiene
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Patent number: 7316350Abstract: The invention relates, in part, to a computerized method for managing electronically stored value accounts which comprises storing at a host computer system a plurality of stored value customer accounts that each comprise a unique identifier. At the host computer system, requests are received from a point of sale device to activate at least some of the accounts. The requests to activate comprise unique identifiers and values that are associated with the identifiers. Also received at the host computer system is a request to transfer value from one of the customer accounts to another one of the customer accounts. The requested value is electronically transferred between the accounts.Type: GrantFiled: April 22, 2003Date of Patent: January 8, 2008Assignee: First Data CorporationInventor: Ken Algiene
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Patent number: 7284691Abstract: A method for issuing tickets proceeds by selecting an inactive ticket that includes an identifier. Payment is provided for the ticket, and the identifier and a payment amount is entered into a payment processing device. The identifier is transmitted to a host computer system having a record of the identifier and a status of the ticket. The status of the ticket is then changed to an active status in the host computer system.Type: GrantFiled: January 23, 2006Date of Patent: October 23, 2007Assignee: First Data CorporationInventors: Christopher R. McGee, David R. Baumgartner, Keith A. Newbrough, Ken Algiene
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Publication number: 20070208662Abstract: A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.Type: ApplicationFiled: November 21, 2006Publication date: September 6, 2007Applicant: The Western Union CompanyInventors: Michael Jeronimus, Ken Algiene, Scott R. Paintin