Patents by Inventor Thomas B. Sayor
Thomas B. Sayor 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: 10296876Abstract: A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.Type: GrantFiled: February 24, 2014Date of Patent: May 21, 2019Assignee: The Western Union CompanyInventors: Erik S. Crawford, Thomas B. Sayor, Kenneth Algiene
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Patent number: 9129464Abstract: Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment, a method for accepting payments from a consumer for a good or service provided by a merchant comprises receiving a transaction request from the merchant, receiving a payment from the consumer, associating the payment with the transaction request, and sending at least a portion of the payment to the merchant. In this manner, the merchant stages the transaction, and the consumer completes the transaction by making the payment. An optional time limit feature also may be used, and the transaction may be staged by the consumer, or others.Type: GrantFiled: August 1, 2006Date of Patent: September 8, 2015Assignee: The Western Union CompanyInventors: Kurt L. Hansen, Thomas B. Sayor, Sharon K. Vialpando, Ken Algiene
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Patent number: 9098849Abstract: Methods coordinate payment for a remote transaction with a first party. An identification of the first party is received at a host system. Acknowledgment of receipt of a cash payment from a second party is received. The cash payment is associated with the identification of the first party. A money transfer corresponding to the cash payment to the control of the first party is executed with a request for the first party to perform on previously agreed terms of the remote transaction.Type: GrantFiled: October 4, 2013Date of Patent: August 4, 2015Assignee: The Western Union CompanyInventors: Kurt Hansen, Earney E. Stoutenburg, Thomas B. Sayor
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Patent number: 8960537Abstract: The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.Type: GrantFiled: November 21, 2012Date of Patent: February 24, 2015Assignee: The Western Union CompanyInventors: Kurt Bulawa, Corey Allen Bohler, Dean A. Seifert, Thomas B. Sayor, Mark Baumgart, Erik S. Crawford
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Publication number: 20140180921Abstract: Methods coordinate payment for a remote transaction with a first party. An identification of the first party is received at a host system. Acknowledgment of receipt of a cash payment from a second party is received. The cash payment is associated with the identification of the first party. A money transfer corresponding to the cash payment to the control of the first party is executed with a request for the first party to perform on previously agreed terms of the remote transaction.Type: ApplicationFiled: October 4, 2013Publication date: June 26, 2014Applicant: The Western Union CompanyInventors: Kurt Hansen, Earney E. Stoutenburg, Thomas B. Sayor
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Publication number: 20140172594Abstract: A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.Type: ApplicationFiled: February 24, 2014Publication date: June 19, 2014Applicant: The Western Union CompanyInventors: Erik S. Crawford, Thomas B. Sayor, Kenneth Algiene
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Publication number: 20140172699Abstract: A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.Type: ApplicationFiled: February 24, 2014Publication date: June 19, 2014Applicant: THE WESTERN UNION COMPANYInventors: Erik S. Crawford, Thomas B. Sayor, Kenneth Algiene
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Patent number: 8700479Abstract: A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.Type: GrantFiled: February 23, 2011Date of Patent: April 15, 2014Assignee: The Western Union CompanyInventors: Erik S. Crawford, Thomas B. Sayor, Kenneth Algiene
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Patent number: 8584934Abstract: Methods coordinate payment for a remote transaction with a first party. An identification of the first party is received at a host system. Acknowledgment of receipt of a cash payment from a second party is received. The cash payment is associated with the identification of the first party. A money transfer corresponding to the cash payment to the control of the first party is executed with a request for the first party to perform on previously agreed terms of the remote transaction.Type: GrantFiled: October 8, 2012Date of Patent: November 19, 2013Assignee: The Western Union CompanyInventors: Kurt Hansen, Earney E. Stoutenburg, Thomas B. Sayor
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Patent number: 8336768Abstract: The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.Type: GrantFiled: March 9, 2012Date of Patent: December 25, 2012Assignee: The Western Union CompanyInventors: Kurt Bulawa, Corey Allen Bohler, Dean A. Seifert, Thomas B. Sayor, Mark Baumgart, Erik S. Crawford
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Publication number: 20120233069Abstract: The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.Type: ApplicationFiled: March 9, 2012Publication date: September 13, 2012Applicant: The Western Union CompanyInventors: Kurt Bulawa, Corey Allen Bohler, Dean A. Seifert, Thomas B. Sayor, Mark Baumgart, Erik S. Crawford
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Patent number: 8152054Abstract: The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.Type: GrantFiled: December 15, 2009Date of Patent: April 10, 2012Assignee: The Western Union CompanyInventors: Kurt Bulawa, Corey Allen Bohler, Dean A. Seifert, Thomas B. Sayor, Mark Baumgart, Erik S. Crawford
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Publication number: 20120054069Abstract: Methods coordinate payment for a remote transaction with a first party. An identification of the first party is received at a host system. Acknowledgment of receipt of a cash payment from a second party is received. The cash payment is associated with the identification of the first party. A money transfer corresponding to the cash payment to the control of the first party is executed with a request for the first party to perform on previously agreed terms of the remote transaction.Type: ApplicationFiled: August 23, 2011Publication date: March 1, 2012Applicant: The Western Union CompanyInventors: Kurt Hansen, Earney E. Stoutenburg, Thomas B. Sayor
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Patent number: 8025212Abstract: Methods coordinate payment for a remote transaction with a first party. An identification of the first party is received at a host system. Acknowledgment of receipt of a cash payment from a second party is received. The cash payment is associated with the identification of the first party. A money transfer corresponding to the cash payment to the control of the first party is executed with a request for the first party to perform on previously agreed terms of the remote transaction.Type: GrantFiled: November 18, 2005Date of Patent: September 27, 2011Assignee: The Western Union CompanyInventors: Kurt Hansen, Earney E. Stoutenburg, Thomas B. Sayor
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Publication number: 20110145079Abstract: A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.Type: ApplicationFiled: February 23, 2011Publication date: June 16, 2011Applicant: The Western Union CompanyInventors: Erik S. Crawford, Thomas B. Sayor, Kenneth Algiene
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Patent number: 7917395Abstract: A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.Type: GrantFiled: September 28, 2004Date of Patent: March 29, 2011Assignee: The Western Union CompanyInventors: Erik S. Crawford, Thomas B. Sayor, Kenneth Algiene
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Publication number: 20100161485Abstract: The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer's account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.Type: ApplicationFiled: December 15, 2009Publication date: June 24, 2010Applicant: The Western Union CompanyInventors: Kurt Bulawa, Corey Allen Bohler, Dean A. Seifert, Thomas B. Sayor, Mark Baumgart, Erik S. Crawford
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Patent number: 7641109Abstract: The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes establishing a money transfer record (310) and receiving, from a vendor location, a money transfer activation request (320) associated with the money transfer record. The method includes receiving a fulfillment request (330) associated with the money transfer record, collecting a customer data set, and authorizing a money transfer (340) associated with the money transfer record. The money transfer is facilitated by the creation of a money transfer record, which may occur prior to the money transfer activation request. The customer then can initiate the money transfer while at the vendor location using, for example, money transfer cards available for purchase from the vendor.Type: GrantFiled: May 18, 2005Date of Patent: January 5, 2010Assignee: The Western Union CompanyInventors: Dean A. Seifert, Thomas B. Sayor, Mark Baumgart
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Publication number: 20080195498Abstract: Systems and methods for providing connectivity to a wireless network may include a point of sale device at a merchant location that is used to receive an account identifier that in turn is associated with a stored value account of a customer. The account identifier is transmitted along with transaction data to a financial network to permit the stored value account to be processed according to the transaction request. When needing to receive wireless access, a customer using a personal communications device transmits a request to obtain wireless access while he is at the merchant location. An evaluation is performed to confirm that the customer has performed a transaction involving the stored value account within a certain time period. Wireless access to the wireless network is provided if the customer has performed the transaction within the certain time period.Type: ApplicationFiled: January 30, 2008Publication date: August 14, 2008Applicant: First DAta CorporationInventors: Erik S. Crawford, Thomas B. Sayor, Ken Algiene
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Patent number: 7184989Abstract: Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment, a method for accepting payments from a consumer for a good or service provided by a merchant comprises receiving a transaction request from the merchant, receiving a payment from the consumer, associating the payment with the transaction request, and sending at least a portion of the payment to the merchant. In this manner, the merchant stages the transaction, and the consumer completes the transaction by making the payment. An optional time limit feature also may be used, and the transaction may be staged by the consumer, or others.Type: GrantFiled: May 21, 2003Date of Patent: February 27, 2007Assignee: First Data CorporationInventors: Kurt L. Hansen, Thomas B. Sayor, Sharon K. Vialpando, Kenneth Algiene