Patents by Inventor Roberto Ochoa
Roberto Ochoa 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: 11176525Abstract: Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted to a host computer system from a point of sale device. The transaction information may be stored at the host computer system. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited.Type: GrantFiled: March 18, 2019Date of Patent: November 16, 2021Assignee: The Western Union CompanyInventors: Michael J. Michelsen, Dan Canning, Roberto Ochoa, Rodolfo Zavaleta, Rodrigo Sada
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Publication number: 20190236566Abstract: Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted to a host computer system from a point of sale device. The transaction information may be stored at the host computer system. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited.Type: ApplicationFiled: March 18, 2019Publication date: August 1, 2019Applicant: The Western Union CompanyInventors: Michael J. Michelsen, Dan Canning, Roberto Ochoa, Rodolfo Zavaleta, Rodrigo Sada
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Patent number: 10235661Abstract: Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted to a host computer system from a point of sale device. The transaction information may be stored at the host computer system. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited.Type: GrantFiled: April 29, 2014Date of Patent: March 19, 2019Assignee: The Western Union CompanyInventors: Michael J. Michelsen, Dan Canning, Roberto Ochoa, Rodolfo Zavaleta, Rodrigo Sada
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Publication number: 20140324693Abstract: Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted to a host computer system from a point of sale device. The transaction information may be stored at the host computer system. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit. The bank account may then be credited.Type: ApplicationFiled: April 29, 2014Publication date: October 30, 2014Applicant: The Western Union CompanyInventors: Michael J. Michelsen, Dan Canning, Roberto Ochoa, Rodolfo Zavaleta, Rodrigo Sada
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Patent number: 8712910Abstract: Arrangements for transferring money to a bank account, typically when paid in cash or a cash equivalent at a point of sale device, are provided. Transactional information may be transmitted to a host computer system from a point of sale device. The transactional information may include information on a bank account that is to receive the money. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks and may determine which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and may include information on the bank account that is to receive the money and an amount of money to deposit.Type: GrantFiled: July 3, 2012Date of Patent: April 29, 2014Assignee: The Western Union CompanyInventors: Michael Michelsen, Dan Canning, Roberto Ochoa, Rodolfo Zavaleta, Rodrigo Sada
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Publication number: 20120330762Abstract: Arrangements for transferring money to a bank account, typically when paid in cash or a cash equivalent at a point of sale device, are provided. Transactional information may be transmitted to a host computer system from a point of sale device. The transactional information may include information on a bank account that is to receive the money. At least some of the transaction information may be sent to an intermediary computer system that is configured to interact with a plurality of banking networks and may determine Which one of the banking networks is associated with the bank account that is to receive the money. A request may be transmitted from the intermediary computer network to a local banking network and may include information on the bank account that is to receive the money and an amount of money to deposit.Type: ApplicationFiled: July 3, 2012Publication date: December 27, 2012Applicant: The Western Union CompanyInventors: Michael J. Michelsen, Dan Canning, Roberto Ochoa, Rodolfo Zavaleta, Rodrigo Sada
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Patent number: 8239319Abstract: In one embodiment, the invention provides a computerized system and method for transferring money to a bank account, typically when paid in cash or a cash equivalent at a point of sale device. According to one method, transactional information is transmitted to a host computer system from a point of sale device. The transactional information includes information on a bank account that is to receive the money. The transaction information is stored at the host computer system. Also, at least some of the transaction information is sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request is transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit.Type: GrantFiled: March 22, 2004Date of Patent: August 7, 2012Assignee: The Western Union CompanyInventors: Michael J. Michelsen, Dan Canning, Roberto Ochoa, Rodolfo Zavaleta, Rodrigo Sada
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Publication number: 20050209961Abstract: In one embodiment, the invention provides a computerized system and method for transferring money to a bank account, typically when paid in cash or a cash equivalent at a point of sale device. According to one method, transactional information is transmitted to a host computer system from a point of sale device. The transactional information includes information on a bank account that is to receive the money. The transaction information is stored at the host computer system. Also, at least some of the transaction information is sent to an intermediary computer system that is configured to interact with a plurality of banking networks in different countries. The intermediary computer system may also determine which one of the banking networks is associated with the bank account that is to receive the money. A request is transmitted from the intermediary computer network to a local banking network and includes information on the bank account that is to receive the money and an amount of money to deposit.Type: ApplicationFiled: March 22, 2004Publication date: September 22, 2005Applicant: First Data CorporationInventors: Michael Michelsen, Dan Canning, Roberto Ochoa, Rodolfo Zavaleta, Rodrigo Sada