Patents by Inventor Michael F. Gallagher

Michael F. Gallagher 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).

  • Systems and methods for directing recurring financial transfer operations
    Patent number: 8090594
    Abstract: The present invention provides systems and methods for implementing variable financial plans. The methods can include identifying an account, and accessing an account planning tool. Characteristics associated with the account are presented to the account planning tool, and an account plan is developed using the planning tool. Based at least in part on the account plan, a funds transfer is facilitated from a source of funds to the account. Activity in the account is monitored, and the account plan is modified in response to activity detected in the account plan.
    Type: Grant
    Filed: February 24, 2003
    Date of Patent: January 3, 2012
    Assignee: The Western Union Company
    Inventors: William R. Grant, Michael W. Rogers, Mary Lou Corrigan, Michael F. Gallagher, Tony A. Muniz
  • Systems and methods for customizing mortgage characteristics
    Patent number: 7747525
    Abstract: The present invention provides systems and methods for customizing fixed rate and variable rate mortgages. In some cases, the methods include accessing mortgage information and identifying at least a first characteristic of the mortgage to be modified. In addition, a first funds transfer is authorized to facilitate modification of the first characteristic. The mortgage is also monitored and changes in any relevant characteristics are identified. Where changes in a second relevant characteristic is detected, a second funds transfer is authorized to facilitate modification of the first characteristic to compensate for the change in the second characteristic.
    Type: Grant
    Filed: November 22, 2002
    Date of Patent: June 29, 2010
    Assignee: The Western Union Company
    Inventors: William R. Grant, Michael W. Rogers, MaryLou Corrigan, Michael F. Gallagher, Tony A. Muniz
  • Systems and methods for directing recurring financial transfer operations
    Publication number: 20040098328
    Abstract: The present invention provides systems and methods for implementing variable financial plans. The methods can include identifying an account, and accessing an account planning tool. Characteristics associated with the account are presented to the account planning tool, and an account plan is developed using the planning tool. Based at least in part on the account plan, a funds transfer is facilitated from a source of funds to the account. Activity in the account is monitored, and the account plan is modified in response to activity detected in the account plan.
    Type: Application
    Filed: February 24, 2003
    Publication date: May 20, 2004
    Applicant: First Data Corporation
    Inventors: William R. Grant, Michael W. Rogers, Mary Lou Corrigan, Michael F. Gallagher, Tony A. Muniz
  • Systems and methods for customizing mortgage characteristics
    Publication number: 20040088247
    Abstract: The present invention provides systems and methods for customizing fixed rate and variable rate mortgages. In some cases, the methods include accessing mortgage information and identifying at least a first characteristic of the mortgage to be modified. In addition, a first funds transfer is authorized to facilitate modification of the first characteristic. The mortgage is also monitored and changes in any relevant characteristics are identified. Where changes in a second relevant characteristic is detected, a second funds transfer is authorized to facilitate modification of the first characteristic to compensate for the change in the second characteristic.
    Type: Application
    Filed: November 22, 2002
    Publication date: May 6, 2004
    Applicant: First Data Corporation
    Inventors: William R. Grant, Michael W. Rogers, MaryLou Corrigan, Michael F. Gallagher, Tony A. Muniz