Patents by Inventor Michele Demark
Michele Demark 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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Patent number: 11663639Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: GrantFiled: March 19, 2021Date of Patent: May 30, 2023Assignee: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Publication number: 20210272095Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.Type: ApplicationFiled: May 19, 2021Publication date: September 2, 2021Applicant: The Western Union CompanyInventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
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Publication number: 20210272175Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: ApplicationFiled: March 19, 2021Publication date: September 2, 2021Applicant: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Patent number: 11023874Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.Type: GrantFiled: May 17, 2019Date of Patent: June 1, 2021Assignee: The Western Union CompanyInventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
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Patent number: 10984459Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: GrantFiled: December 17, 2018Date of Patent: April 20, 2021Assignee: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Patent number: 10535098Abstract: A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver.Type: GrantFiled: February 24, 2014Date of Patent: January 14, 2020Assignee: The Western Union CompanyInventors: Kurt Bulawa, Michele Demark, Michael Michelsen, Dave Owen
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Publication number: 20190272523Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.Type: ApplicationFiled: May 17, 2019Publication date: September 5, 2019Applicant: The Western Union CompanyInventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
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Patent number: 10354245Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.Type: GrantFiled: June 17, 2015Date of Patent: July 16, 2019Assignee: The Western Union CompanyInventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
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Publication number: 20190122276Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: ApplicationFiled: December 17, 2018Publication date: April 25, 2019Applicant: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Patent number: 10235704Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: GrantFiled: December 30, 2013Date of Patent: March 19, 2019Assignee: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Patent number: 10102571Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: GrantFiled: June 7, 2017Date of Patent: October 16, 2018Assignee: THE WESTERN UNION COMPANYInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Publication number: 20170270605Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: ApplicationFiled: June 7, 2017Publication date: September 21, 2017Applicant: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Patent number: 9697567Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: GrantFiled: August 7, 2015Date of Patent: July 4, 2017Assignee: THE WESTERN UNION COMPANYInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Publication number: 20150371209Abstract: Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.Type: ApplicationFiled: June 17, 2015Publication date: December 24, 2015Applicant: The Western Union CompanyInventors: David A. Owen, Michael Michelsen, Kurt Bulawa, Michele Demark
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Publication number: 20150356674Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: ApplicationFiled: August 7, 2015Publication date: December 10, 2015Applicant: THE WESTERN UNION COMPANYInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Publication number: 20140316977Abstract: A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver.Type: ApplicationFiled: February 24, 2014Publication date: October 23, 2014Applicant: The Western Union CompanyInventors: Kurt Bulawa, Michele Demark, Michael Michelsen, Dave Owen
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Publication number: 20140188661Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: ApplicationFiled: December 30, 2013Publication date: July 3, 2014Applicant: The Western Union CompanyInventors: Michele Demark, Michael Michelsen, Diane Scott, Chris Cochran
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Patent number: 8660923Abstract: A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver.Type: GrantFiled: August 2, 2010Date of Patent: February 25, 2014Assignee: The Western Union CompanyInventors: Kurt Bulawa, Michele Demark, Michael Michelsen, David A. Owen
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Patent number: 8620799Abstract: The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. The method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.Type: GrantFiled: January 18, 2011Date of Patent: December 31, 2013Assignee: The Western Union CompanyInventors: Michele Demark, Mike Michelsen, Diane Scott, Chris Cochran
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Patent number: 8510188Abstract: A method for performing a money transfer initiated by a receiver of the money transfer, wherein the method includes receiving a money transfer initiation request from the receiver and the money transfer initiation request includes an amount of funds to be transferred, receiver information, and sender information. The method also includes staging a money transfer transaction after receiving the money transfer initiation request, wherein the money transfer transaction is pending an authorization by the sender to fund the money transfer. The method further includes providing the sender with a notification of the money transfer transaction, receiving the authorization to fund the money transfer transaction, and executing the money transfer to transfer the funds from the sender to the receiver.Type: GrantFiled: July 28, 2010Date of Patent: August 13, 2013Assignee: The Western Union CompanyInventors: Kurt Bulawa, Michael Michelsen, Michele Demark, David A. Owen