Patents by Inventor Kurt Hansen
Kurt Hansen 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: 20090283585Abstract: 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: ApplicationFiled: May 18, 2009Publication date: November 19, 2009Applicant: The Western Union CompanyInventors: Kurt Hansen, Dean A. Seifert, Mark Thompson, Mike Michelsen
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Patent number: 7613655Abstract: One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited.Type: GrantFiled: May 31, 2007Date of Patent: November 3, 2009Assignees: Western Union Company, First Data CorproationInventors: Kurt Hansen, Dean A. Seifert, Mark Thompson, Patricia A. Frazier
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Patent number: 7578434Abstract: 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: March 28, 2005Date of Patent: August 25, 2009Assignee: The Western Union CompanyInventors: Kurt Hansen, Dean A. Seifert, Mark Thompson, Mike Michelsen
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Publication number: 20090054882Abstract: A skin cooling method for a dermatologic treatment procedure, by which a skin target region is exposed for a specified duration to irradiation with electromagnetic energy emitted from an electromagnetic energy exit opening of a skin treatment applicator and the target region is cooled at least during part of the duration of the exposure to electromagnetic energy irradiation, wherein a cooling procedure is performed including an air cooling step comprising ejection of a directional flow of cooling air towards the skin treatment region, said directional cooling air flow having a temperature T in the interval 0° C.<T?15° C. In an apparatus according to the invention this method may be combined with one or more contact cooling steps.Type: ApplicationFiled: August 19, 2008Publication date: February 26, 2009Inventors: Lars Kurt HANSEN, Keld SCHMIDT
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Publication number: 20080222013Abstract: The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.Type: ApplicationFiled: May 22, 2008Publication date: September 11, 2008Applicant: The Western Union CompanyInventors: Kurt Hansen, Thomas Sayor
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Patent number: 7392940Abstract: The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.Type: GrantFiled: May 18, 2005Date of Patent: July 1, 2008Assignee: The Western Union CompanyInventors: Kurt Hansen, Thomas Sayor
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Publication number: 20080140531Abstract: A payment service method and system involve a payment service provider, a customer/payor and a consumer provider/payee. The customer/payor enrolls in the service and is provided a unique identifier that enables the customer to conduct transactions with the payment service provider. The customer/payor interfaces with the payment service provider through various forms of communication, and can facilitate payments to the consumer providers/payees through the payment service provider while remaining anonymous.Type: ApplicationFiled: November 30, 2007Publication date: June 12, 2008Applicants: The Western Union Company, First Data CorporationInventors: Keith W. Diveley, Kurt Hansen
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Publication number: 20080035723Abstract: 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: ApplicationFiled: June 5, 2007Publication date: February 14, 2008Applicants: The Western Union Company, First Data CorporationInventors: Kurt Hansen, Dean Seifert, Mark Thompson, Mike Michelsen
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Publication number: 20080005019Abstract: Methods and systems are provided for processing a financial transaction. A set of conditions is received that define circumstances for execution of the financial transaction. Funds are collected for each of a plurality of partial payments prior to satisfaction of the set of conditions, with at least two of the partial payments being collected from different persons. The collected funds are accumulated for support of the financial transaction until satisfaction or failure of the set of conditions.Type: ApplicationFiled: March 13, 2007Publication date: January 3, 2008Applicants: The Western Union Company, First Data CorporationInventor: Kurt Hansen
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Patent number: 7315843Abstract: A payment service method and system involve a payment service provider, a customer/payor and a consumer provider/payee. The customer/payor enrolls in the service and is provided a unique identifier that enables the customer to conduct transactions with the payment service provider. The customer/payor interfaces with the payment service provider through various forms of communication, and can facilitate payments to the consumer providers/payees through the payment service provider while remaining anonymous.Type: GrantFiled: June 30, 2006Date of Patent: January 1, 2008Assignees: The Western Union Company, First Data CorporationInventors: Keith W. Diveley, Kurt Hansen
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Publication number: 20070267480Abstract: One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited.Type: ApplicationFiled: May 31, 2007Publication date: November 22, 2007Applicants: The Western Union Company, First Data CorporationInventors: Kurt Hansen, Dean Seifert, Mark Thompson, Patricia Frazier
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Publication number: 20070214091Abstract: A payment instrument that may be purchased at a retail location and used for conducting money transfers and other financial transactions. The amount associated with the instrument is stored in an non-banking account maintained by a money transfer entity. In order to activate the instrument after it has been purchased, a customer links the instrument to a personal profile of the customer using a PIN provided with the instrument.Type: ApplicationFiled: March 8, 2007Publication date: September 13, 2007Applicant: The Western Union CompanyInventors: Kurt Hansen, Wade Nelson, Dean Seifert, Assaad Hanna
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Patent number: 7225154Abstract: Methods and systems are provided for processing a financial transaction. A set of conditions is received that define circumstances for execution of the financial transaction. Funds are collected for each of a plurality of partial payments prior to satisfaction of the set of conditions, with at least two of the partial payments being collected from different persons. The collected funds are accumulated for support of the financial transaction until satisfaction or failure of the set of conditions.Type: GrantFiled: March 17, 2003Date of Patent: May 29, 2007Assignees: The Western Union Company, First Data CorporationInventor: Kurt Hansen
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Publication number: 20070100746Abstract: The present invention relates to systems and methods for staging transactions and facilitating payments by consumers to a lender or merchant to consummate a financial transaction and/or to maintain a financial relationship. In one embodiment, a method for accepting payments from a consumer includes receiving a promise-to-pay record from a lender (210), receiving a payment from the consumer (220), associating the payment with the promise-to-pay record (230), and sending a notice to the lender (240), with the notice having an indicator that the payment has been received.Type: ApplicationFiled: August 1, 2006Publication date: May 3, 2007Applicant: First Data CorporationInventors: Paul Blair, Kurt Hansen, Gary Moore
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Publication number: 20070075129Abstract: 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: ApplicationFiled: September 30, 2005Publication date: April 5, 2007Applicant: First Data CorporationInventors: Assaad Hanna, Kurt Hansen, Dean Seifert
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Publication number: 20070022049Abstract: A payment service method and system involve a payment service provider, a customer/payor and a consumer provider/payee. The customer/payor enrolls in the service and is provided a unique identifier that enables the customer to conduct transactions with the payment service provider. The customer/payor interfaces with the payment service provider through various forms of communication, and can facilitate payments to the consumer providers/payees through the payment service provider while remaining anonymous.Type: ApplicationFiled: June 30, 2006Publication date: January 25, 2007Applicant: First Data CorporationInventors: Keith Diveley, Kurt Hansen
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Publication number: 20070016526Abstract: 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: ApplicationFiled: August 1, 2006Publication date: January 18, 2007Applicant: First Data CorporationInventors: Kurt Hansen, Thomas Sayor, Sharon Vialpando, Kenneth Algiene
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Publication number: 20070016523Abstract: A method for accepting payments from a consumer for a travel ticket from a travel company comprises receiving at a point of sale device a transaction request that includes a transaction identifier that identifies a travel arrangement made with the travel company and a payment amount. The payment amount and the transaction identifier is transmitted to a host computer system for validation. Also, a validation from the host computer system is received indicating that the transaction requested has been validated. A payment is received from the consumer, and at least a portion of the payment is electronically transmitted to the travel company.Type: ApplicationFiled: August 24, 2006Publication date: January 18, 2007Applicant: First Data CorporationInventors: Paul Blair, Kurt Hansen, Dean Seifert
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Publication number: 20070016489Abstract: Systems and methods for enrolling consumers in goods and services offered by a consumer provider are disclosed herein. Various of the methods include providing an enrollment system and displaying enrollment options via the enrollment system. Further, the methods include receiving enrollment requests and enrolling a consumer based on the enrollment request. The systems can be configured for effectuating the various enrollment methods.Type: ApplicationFiled: July 17, 2006Publication date: January 18, 2007Applicant: First Data CorporationInventors: Kurt Hansen, Keith Diveley
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Publication number: 20070016524Abstract: A payment service method and system involve a payment service provider, a customer/payor and a client/payee. The customer/payor enrolls in the service and is provided the unique identifier which enables him or her to conduct all transactions with the payment service provider. The customer/payor interfaces with the payment service provider through various forms of communication, and can facilitate payments to the clients/payees through the payment service provider while remaining anonymous. Various enhancements are provided for promoting the services of the clients and the payment service provider to customer bases obtained from persons enrolled in the payment service and from persons who are customers of the clients.Type: ApplicationFiled: June 30, 2006Publication date: January 18, 2007Applicant: First Data CorporationInventors: Keith Diveley, Kurt Hansen