Patents by Inventor Patricia A. Frazier

Patricia A. Frazier 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: 10614492
    Abstract: Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
    Type: Grant
    Filed: August 18, 2010
    Date of Patent: April 7, 2020
    Assignees: First Data Corporation, The Western Union Company
    Inventors: Patricia A. Frazier, Kenneth Algiene
  • Patent number: 8078535
    Abstract: 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: Grant
    Filed: January 13, 2010
    Date of Patent: December 13, 2011
    Assignee: The Western Union Company
    Inventors: Kurt Hansen, Dean A. Seifert, Mark Thompson, Patricia A. Frazier
  • Publication number: 20100332383
    Abstract: Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
    Type: Application
    Filed: August 18, 2010
    Publication date: December 30, 2010
    Applicant: First Data Corporation
    Inventors: Patricia A. Frazier, Kenneth Algiene
  • Patent number: 7840466
    Abstract: Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
    Type: Grant
    Filed: February 2, 2009
    Date of Patent: November 23, 2010
    Assignees: First Data Corporation, The Western Union Comppany
    Inventors: Patricia A. Frazier, Kenneth Algiene
  • Patent number: 7818251
    Abstract: A payment processing method comprises receiving at a host computer system payment information from a client computer, wherein the payment information relates to a payment from a consumer. The method further comprises verifying at least a portion of the payment information and storing at least a portion of the payment information in a database. The method further comprises transmitting a first electronic file comprising at least a portion of the payment information to a financial institution, thereby initiating processing of the payment and transmitting a second electronic file comprises at least a portion of the payment information to a client computing system. The method also comprises responding to a request for historical information by transmitting to a user computer system a third electronic file comprising at least a portion of the payment information.
    Type: Grant
    Filed: October 8, 2002
    Date of Patent: October 19, 2010
    Assignee: The Western Union Company
    Inventors: Patricia A. Frazier, David T. Shapiro
  • Publication number: 20100191647
    Abstract: 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: Application
    Filed: January 13, 2010
    Publication date: July 29, 2010
    Applicant: The Western Union Company
    Inventors: Kurt Hansen, Dean A. Seifert, Mark Thompson, Patricia A. Frazier
  • Patent number: 7664703
    Abstract: 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: Grant
    Filed: July 26, 2002
    Date of Patent: February 16, 2010
    Assignee: The Western Union Company
    Inventors: Kurt Hansen, Dean A. Seifert, Mark Thompson, Patricia A. Frazier
  • Patent number: 7613655
    Abstract: 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: Grant
    Filed: May 31, 2007
    Date of Patent: November 3, 2009
    Assignees: Western Union Company, First Data Corproation
    Inventors: Kurt Hansen, Dean A. Seifert, Mark Thompson, Patricia A. Frazier
  • Publication number: 20090164357
    Abstract: Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
    Type: Application
    Filed: February 2, 2009
    Publication date: June 25, 2009
    Applicants: First Data Corporation
    Inventors: Patricia A. Frazier, Kenneth Algiene
  • Publication number: 20070267480
    Abstract: 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: Application
    Filed: May 31, 2007
    Publication date: November 22, 2007
    Applicants: The Western Union Company, First Data Corporation
    Inventors: Kurt Hansen, Dean Seifert, Mark Thompson, Patricia Frazier
  • Publication number: 20040078327
    Abstract: Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user.
    Type: Application
    Filed: October 16, 2002
    Publication date: April 22, 2004
    Applicant: First Data Corporation
    Inventors: Patricia A. Frazier, Kenneth Algiene
  • Publication number: 20030130940
    Abstract: 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: Application
    Filed: July 26, 2002
    Publication date: July 10, 2003
    Applicant: First Data Corporation
    Inventors: Kurt Hansen, Dean A. Seifert, Mark Thompson, Patricia A. Frazier
  • Publication number: 20030110129
    Abstract: A payment processing method comprises receiving at a host computer system payment information from a client computer, wherein the payment information relates to a payment from a consumer. The method further comprises verifying at least a portion of the payment information and storing at least a portion of the payment information in a database. The method further comprises transmitting a first electronic file comprising at least a portion of the payment information to a financial institution, thereby initiating processing of the payment and transmitting a second electronic file comprises at least a portion of the payment information to a client computing system. The method also comprises responding to a request for historical information by transmitting to a user computer system a third electronic file comprising at least a portion of the payment information.
    Type: Application
    Filed: October 8, 2002
    Publication date: June 12, 2003
    Applicant: First Data Corporation
    Inventors: Patricia A. Frazier, David T. Shapiro