Patents by Inventor William Richard McMichael
William Richard McMichael 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: 10657502Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.Type: GrantFiled: April 27, 2015Date of Patent: May 19, 2020Assignee: FISERV, INC.Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
-
Publication number: 20150242823Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.Type: ApplicationFiled: April 27, 2015Publication date: August 27, 2015Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, JR., Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
-
Publication number: 20150199670Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.Type: ApplicationFiled: January 13, 2015Publication date: July 16, 2015Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, JR., Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
-
Publication number: 20140188728Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.Type: ApplicationFiled: December 31, 2012Publication date: July 3, 2014Applicant: Fiserv, Inc.Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, JR., Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
-
Publication number: 20140067672Abstract: Systems, methods and computer-readable media for initiating, facilitating and/or performing financial transactions are disclosed. A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.Type: ApplicationFiled: August 31, 2012Publication date: March 6, 2014Applicant: FISERV, INC.Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, JR., Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
-
Publication number: 20140067670Abstract: A request associated with a financial transaction may be received on behalf of a requestor. At least one financial account to be debited and at least one financial account to be credited in connection with the financial transaction may be identified based on information included or provided in association with the request. Respective payment networks that provide access to the financial accounts may be identified. One or more of the financial accounts may be accessible in real-time via a respective payment network. A respective debit or credit instruction may be transmitted to each of the identified payment networks to post a debit or credit to a corresponding financial account. Corresponding debit and/or credit status information may be received, and various status indications may be generated and transmitted, potentially for presentation to the requestor.Type: ApplicationFiled: August 31, 2012Publication date: March 6, 2014Applicant: FISERV, INC.Inventors: Sanjeev Dheer, Michael Edward Martin, William Richard McMichael, JR., Mark T. Harris, Juan Carlos Miqueli, Brian Corey Sondergaard, David Michael Keenan, Mark Edward Bowman
-
Patent number: 8010424Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. A determination is made as to if a requested payment amount is less than a certain amount. The certain amount is associated with the payee and is determined by the service provider, not the payee. If the payment amount is less than the certain amount, payment to the payee on behalf of the payor is made drawn on an account of the service provider.Type: GrantFiled: August 1, 2003Date of Patent: August 30, 2011Assignee: Checkfree CorporationInventors: Daniel Lee Hamilton, William Richard McMichael, Jr., Esther J. Pigg, Cathy E. Webber, Hans D. Dreyer
-
Patent number: 7809617Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. The service provider identifies one or more risk reduction techniques available for use in fulfilling a received payment request. The risk reduction techniques are identified based upon the received payment request. An identified technique is selected and payment is made according to that selected risk reduction technique.Type: GrantFiled: August 1, 2003Date of Patent: October 5, 2010Assignee: CheckFree CorporationInventors: Daniel Lee Hamilton, William Richard McMichael, Jr., Esther J. Pigg, Cathy E. Webber, Hans D. Dreyer
-
Patent number: 7702583Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provider. The service provider identifies those of multiple electronic debiting options available for completing a payment request. One of the identified options is selected and a payment account of the payee is electronically debited according to the selected option.Type: GrantFiled: August 1, 2003Date of Patent: April 20, 2010Assignee: CheckFree CorporationInventors: Daniel Lee Hamilton, William Richard McMichael, Jr., Esther J. Pigg, Cathy E. Webber, Hans D. Dreyer
-
Patent number: 7653598Abstract: A technique for making a payment to a payee on behalf of a payor is provided. A selection is made, based upon a received payment request, of a processing parameter from a group of processing parameters. The group of processing parameters consists of at least two of three processing parameters. The three processing parameters are a speed of processing, cost of processing, and a risk of processing. The payment is made according to the selected processing parameter.Type: GrantFiled: August 1, 2003Date of Patent: January 26, 2010Assignee: CheckFree CorporationInventors: Daniel Lee Hamilton, William Richard McMichael, Jr., Esther J. Pigg, Cathy E. Webber, Hans D. Dreyer