The Western Union Company

Ncr Corporation

Chris Cochran

Michele Demark

Diane Scott

Michael J Michelsen

Rodrigo Sada

Gary Jeffords

Mike Michelsen

Jerry McCarley

Paul Gardiner

Brad Nolan

Michael Hafer

Tammy Marks

Michael Winbun

Mohammad Fraz Ahmed

Patty McKernan

Will Madden

Linda Brodbeck

Joe Anzures

William Madden

According to the invention, a method for transferring funds from a sender to a pre-paid account to be assigned to a recipient is disclosed. The method may include receiving a request to perform a funds transfer, including an amount and a recipient, and determining whether to approve the request. Upon approval, the method may include selecting a first and second money transfer control number (MTCN). The method may include recording an association of the amount and the recipient with the first MTCN, and an association of the two MTCN's. The method may include sending the second MTCN out and later receiving a request to redeem which includes the second MTCN. The method may include determining the first MTCN based on the second MTCN, and whether to approve the request. Upon approval, an indication may be sent that the amount is available for funding of the pre-paid account of the recipient.

Systems and methods for transferring funds to a pre-paid account

A system and method for routing ATM transactions. A transaction request is received at an external application programming interface (API) associated with an account holder. The external API runs on a first processor. The transaction request is validated and authorized at the external API. Information about the transaction is forwarded from the external API to an internal API associated with an automated teller machine (ATM). The internal API runs on a second processor. A unique identifier is generated for the transaction request and provided to a user. The unique identifier is received from the user at the ATM without the user presenting any card and without connecting a mobile device of the user to the ATM. The unique identifier is provided from the ATM to the internal API to confirm a validity of the transaction. The transaction is implemented at the ATM by either dispensing cash or accepting a deposit.

Methods and systems for routing transactions between automated teller machines, points of sale, financial institutions, and software wallets

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.

Universal ledger

Embodiments of the invention provide a fraud deterrent for retail money transfer or stored value product. In some embodiments, a two dimensional grid of number, letters, characters, and/or symbols can be provided retail packaging or cards that can be used as a second authentication factor in order to redeem funds. In some embodiments, methods and/or systems are also provided that associate control numbers with the grid, create the grid, provide the grid on packaging, and/or use the grid to authenticate a customer.

Money transfer fraud prevention methods and systems

Embodiments of the invention provide methods, devices, and systems for personalizing presentation instruments. According to one embodiment, a method for personalizing presentation instruments may include providing account information for a plurality of accounts and providing a plurality of images. Each of the images may be associated with an account and may be formatted according to one or more defined parameters to facilitate placement of each image onto a presentation instrument. Each formatted image may be overlaid or placed onto a presentation instrument to personalize each presentation instrument and each presentation instrument may be associated with account information corresponding to the image overlaid or placed on the presentation instrument.

Identification generation and authentication process application

Growing community of inventors

Highlands Ranch, CO, United States of America

Chris Cochran