Patents by Inventor Michael E. Hermansen

Michael E. Hermansen 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).

  • Patent number: 10755245
    Abstract: A method for operating a transaction processing system to provide location based language capabilities and dynamic receipts in connection with money transfer services. One embodiment includes storing, in a database, information representative of transaction location based attributes and associated one or more languages, and storing information representative of receipt field attributes and associated receipt fields. Send and/or receive transaction requests from points of sale are received at a transaction processor. The received transaction requests are processed using the stored information in the database to identify transaction location attributes of the requests and the associated one or more languages, and processed using the information stored in the database to identify receipt field attributes of the requests and to determine the associated receipt fields.
    Type: Grant
    Filed: February 25, 2013
    Date of Patent: August 25, 2020
    Assignee: MoneyGram International, Inc.
    Inventors: Angela Marie Runkle, Michael E. Hermansen, Elena Kuznetsov, Lisa Minogue
  • Publication number: 20150149355
    Abstract: Various embodiments concern methods of operating a server to facilitate transfer of a voucher to a receiver. Such methods include receiving a request at a server from a sender, the request indicating an identity of a receiver and a value designation, and receiving a selection of one or more vendors at the server. The methods further include sending a reference number to the sender from the server and receiving the reference number at the server from the receiver. The reference number is communicated from the sender to the receiver independently of the server. The methods further include authorizing release of a voucher to the receiver based on the reception of the reference number at the server and authentication of the identity of the receiver, the voucher redeemable only for goods and services with the selected one or more vendors.
    Type: Application
    Filed: November 22, 2013
    Publication date: May 28, 2015
    Applicant: MoneyGram International, Inc.
    Inventors: Nittaya Arnthong, Baran Caglayan, Daniela Primerano, Michael E. Hermansen
  • Publication number: 20140279510
    Abstract: Systems, devices and methods which provide for funding money transfer transactions via a direct deposit of transaction funds from a sender are provided herein. In some embodiments an account may be provided by a money transfer service to a sending party which may receive funds from a direct deposit. A money transfer transaction may be staged, or in some embodiments pre-staged, by a sending party and may be completed upon receiving the transaction funds via a direct deposit.
    Type: Application
    Filed: March 14, 2013
    Publication date: September 18, 2014
    Applicant: Moneygram International, Inc.
    Inventors: Michael William Ebeling, Michael E. Hermansen
  • Publication number: 20140279511
    Abstract: Systems, methods and devices which provide controls to a parent entity over computing resources residing with an agent entity are discussed herein. In one example, embodiments may allow a parent entity to control peripheral hardware devices which are otherwise controlled locally by a computing device at an agent location. Further, in one embodiment, a parent entity may control the receipt of information from an agent computing device in order to authenticate the agent device. In one embodiment, such control may be implemented via a shell application that executes on an agent computing device when the agent is processing a financial transaction via a web browser interface.
    Type: Application
    Filed: March 14, 2013
    Publication date: September 18, 2014
    Applicant: Moneygram International, Inc.
    Inventors: Billy Joe Steiger, Michael E. Hermansen, Joel Kosloski, Jacob Walter Wagner
  • Publication number: 20140244414
    Abstract: A method for operating a transaction processing system to provide location based language capabilities and dynamic receipts in connection with money transfer services. One embodiment includes storing, in a database, information representative of transaction location based attributes and associated one or more languages, and storing information representative of receipt field attributes and associated receipt fields. Send and/or receive transaction requests from points of sale are received at a transaction processor. The received transaction requests are processed using the stored information in the database to identify transaction location attributes of the requests and the associated one or more languages, and processed using the information stored in the database to identify receipt field attributes of the requests and to determine the associated receipt fields.
    Type: Application
    Filed: February 25, 2013
    Publication date: August 28, 2014
    Applicant: MoneyGram International, Inc.
    Inventors: Angela Marie Runkle, Michael E. Hermansen, Elena Kuznetsov, Lisa Minogue
  • Publication number: 20140207668
    Abstract: Systems and methods which allow funds from one or more money transfer transactions to be delivered to a receiving party in a virtual form are provided. In some embodiments, a receiving party may receive a virtual credit card account for the money transfer amount, which can then be used to provide payment to an entity that accepts credit card transactions. In other embodiments, funds may be sent to a virtual account, such as a virtual wallet, which may be utilized to provide payments to third parties. In the event that a portion or all of the transferred funds are not utilized, embodiments may also provide for refunding the funds to the sending party.
    Type: Application
    Filed: January 22, 2013
    Publication date: July 24, 2014
    Inventors: Michael E. Hermansen, Dianhai Du, Jonathan Ryan Zoss
  • Patent number: 6065679
    Abstract: A modular terminal apparatus including a core unit interchangeable with a plurality of communication modules.
    Type: Grant
    Filed: September 6, 1996
    Date of Patent: May 23, 2000
    Assignee: IVI Checkmate Inc.
    Inventors: Stephen Alan Levie, Bradley Dale Brown, Gregory John Loxtercamp, Michael E. Hermansen, Emmett E. O'Hare, Ahmad Ghanbarzadeh