The Western Union Company

First Data Corporation

Gary F Moore

Kurt L Hansen

Paul A Blair

Robert Newton

David T Shapiro

Systems and methods for implementing one or a series of value transfers. In some instances, the systems and methods include web or Internet based user interfaces that provide a mechanism whereby a user can implement a transfer plan without interacting with a human operator. Further, in some instances, such systems and methods provide a mechanism for authorizing access to one or more asset accounts from which value is transferred, and/or recipient accounts to which value is transferred. In some cases, the authorization function is performed by an entity that enjoys a pre-existing relationship with a user accessing the systems of the present invention, while any actual transfers are performed by a third party entity. This can be an advantage where authorization requires a signature or other interaction with a user sufficient to conform to electronic signature laws.

Systems and methods for providing individualized financial access

The present invention relates to systems and methods for staging transactions and facilitating payments by consumers to a lender or merchant to consummate a financial transaction and/or to maintain a financial relationship. In one embodiment, a method for accepting payments from a consumer includes receiving a promise-to-pay record from a lender (), receiving a payment from the consumer (), associating the payment with the promise-to-pay record (), and sending a notice to the lender (), with the notice having an indicator that the payment has been received.

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Mill Valley, CA, United States of America

Gary F Moore