The Western Union Company

First Data Corporation

Fist Data Corporation

James Everett Cowell

Peter Michael Karas

Aamer Ali Baig

James R Yoder

Cheryl L Neofytides

Susan M Milberger

Amy M Dunker

Jackie M Macfarlane

Eric L Platte

Susan F Abrahams

Jeff D Sherrard

Matthew F Golub

Matt F Golub

Mark Thompson

Henry M Abelman

Karen Lyon

Michele Demark

Melanie B Mulleneaux

Michele Denmark

John M Morales

According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user () in a stored value account on a server computer system (). At the server computer system (), a request from the first user () to send money to a second user () based on the stored value account is received. An electronic notification is sent from the server computer () to the second user () to notify the second user () of the request. A debit in the stored value account of the first user () is created. The requested money is sent to the second user () upon a receipt of a request at the server computer () from the second user ().

Requestor-based funds transfer system and methods

Wide area network person-to-person payment

According to the invention, a method for creating an electronic greeting card enclosing an electronic gift is disclosed. In one step, the electronic greeting card selection is received from a sender along with a selection of at least one of a type of electronic gift, an amount for the electronic gift, and an identifier for a receiver of the electronic gift. Payment for the electronic gift is received from a money handler chosen by the sender. A code indicative of the electronic gift is received, whereby the code facilitates redemption of the electronic gift. The code is embedded in the electronic greeting card.

Electronic gift linking

According to the invention, a method for creating an electronic greeting card that references a gift is disclosed. In one step, a selection of the electronic greeting card is received from a sender of that greeting card. Identification of the gift is received. A code indicative of the gift is created, whereby the code facilitates retrieving information about the gift. The code is embedded in the electronic greeting card.

A method of producing a suspicious activity reports includes storing configuration information at a transaction processing device. The configuration information configures the device to produce suspicious activity reports based on certain criteria. The method also includes receiving transaction information and determining, based on the transaction information and the certain criteria, whether a suspicious activity report is to be prepared. The method also includes generating a suspicious activity report containing at least some of the transaction information.

Systems and methods for producing suspicious activity reports in financial transactions

According to the invention, a method for transferring a credit amount out of an online system using a money order is disclosed. In one step, pay-out instructions are received at a server computer system from a wide-area computer network coupled to a payor. The pay-out instructions include at least two of a payee, a delivery location, and the credit amount. A first handler associated with the payor and a second handler for preparation of the money order according to the pay-out instructions are determined. The credit amount is transferred from the first handler to the online system. The pay-out instructions are sent to the second handler.

Money order debit from stored value fund

According to the invention, a process for transferring credit from a sender to a number of recipients using a wide-area computer network is disclosed. In one step, a server computer system receives information from the sender to transfer credit to the number of recipients. The information includes a unique identifier for each of the number of recipients and a credit amount. A first handler chosen by the sender and a second handler chosen by one of the number of recipients are determined. A credit transfer from the first handler is requested. The credit amount from the first handler is received at the server computer system. The credit amount is sent to the second handler associated with the one of the number of recipients.

Automated group payment

Electronic gift greeting

According to the invention, a method for automatically processing a recurring transfer request from a stored value fund with an online system is disclosed. A handler associated with a payor is determined and money is transferred from that handler to the stored value fund. In one step, the payor is informed that a payee accepts payment from the online system. Subscription type information is received, which includes at least two of a per-request payment cap, a fixed payment amount, a limit on payment per time period, a limit on the number of payments in the time period, and a time period. Pay-out instructions are also received and include at least two of a payor identifier, a payee identifier, a transfer amount, a payment description. The transfer amount is automatically sent from the stored value fund to the payee.

Subscription-based payment

Growing community of inventors

Littleton, CO, United States of America

James Everett Cowell