James R Yoder

US Patent:

7249098, Jul 24, 2007

Filed:

Oct 29, 2001

Appl. No.:

10/021292

Inventors:

Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Castle Rock CO, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US
Cheryl L. Neofytides - Floral Park NY, US
Aamer Ali Baig - Forest Hills NY, US
Peter M. Karas - Lakewood CO, US
James E. Cowell - Littleton CO, US
James R. Yoder - Chicago IL, US
Matt F. Golub - Tera Fly NJ, US

Assignee:

First Data Corporation - Englewood CO

International Classification:

G06Q 40/00

US Classification:

705 40, 705 39, 705 44

Abstract:

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.

US Patent:

7266533, Sep 4, 2007

Filed:

Dec 6, 2001

Appl. No.:

10/010068

Inventors:

Peter M. Karas - Lakewood CO, US
James E. Cowell - Littleton CO, US
James R. Yoder - Chicago IL, US
Matt F. Golub - Tera Fly NJ, US
Aamer Ali Baig - Forest Hills NY, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 30/00

US Classification:

706 26, 705 27

Abstract:

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.

US Patent:

7398252, Jul 8, 2008

Filed:

Oct 26, 2001

Appl. No.:

10/045633

Inventors:

Cheryl L. Neofytides - Floral Park NY, US
Aamer Ali Baig - Forest Hills NY, US
Peter M. Karas - Lakewood CO, US
James E. Cowell - Littleton CO, US
James R. Yoder - Chicago IL, US
Matt F. Golub - Tera Fly NJ, US

Assignee:

First Data Corporation - Englewood CO

International Classification:

G06Q 40/00

US Classification:

705 64, 705 26, 395650, 283 58, 364408

Abstract:

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.

US Patent:

7606734, Oct 20, 2009

Filed:

Jul 11, 2001

Appl. No.:

10/332724

Inventors:

Aamer Ali Baig - Hinsdale IL, US
James E. Cowell - Littleton CO, US
Peter M. Karas - Lakewood CO, US
Cheryl L. Neofytides - Putnam Valley NY, US
Matthew F. Golub - Atlanta GA, US
James R. Yoder - Chicago IL, US
Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Dallas TX, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 30/00

US Classification:

705 26, 705 37

Abstract:

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 ().

US Patent:

7613653, Nov 3, 2009

Filed:

Oct 26, 2001

Appl. No.:

10/045632

Inventors:

Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Castle Rock CO, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US
Cheryl L. Neofytides - Foral Park NY, US
Aamer Ali Baig - Forest Hills NY, US
Peter M. Karas - Lakewood CO, US
James E. Cowell - Littleton CO, US
James R. Yoder - Chicago IL, US
Matt F. Golub - Tera Fly NJ, US

Assignee:

First Data Corporation - Greenwood Village CO
The Western Union Company - Englewood CO

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

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.

US Patent:

7908179, Mar 15, 2011

Filed:

Aug 1, 2007

Appl. No.:

11/832085

Inventors:

Peter M. Karas - Lakewood CO, US
James E. Cowell - Littleton CO, US
James R. Yoder - Chicago IL, US
Matt F. Golub - Tera Fly NJ, US
Aamer Ali Baig - Forest Hills NY, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 30/00

US Classification:

705 261, 705 271

Abstract:

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.

US Patent:

7937292, May 3, 2011

Filed:

Sep 30, 2008

Appl. No.:

12/241408

Inventors:

Aamer Ali Baig - Hinsdale IL, US
James E. Cowell - Littleton CO, US
Peter M. Karas - Lakewood CO, US
Cheryl L. Neofytides - Putnam Valley NY, US
Matthew F. Golub - Atlanta GA, US
James R. Yoder - Chicago IL, US
Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Dallas TX, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 30/00

US Classification:

705 261, 705 271

Abstract:

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 ().

US Patent:

7941342, May 10, 2011

Filed:

Sep 30, 2008

Appl. No.:

12/241476

Inventors:

Aamer Ali Baig - Hinsdale IL, US
James E. Cowell - Littleton CO, US
Peter M. Karas - Lakewood CO, US
Cheryl L. Neofytides - Putnam Valley NY, US
Matthew F. Golub - Atlanta GA, US
James R. Yoder - Chicago IL, US
Susan M. Milberger - Englewood CO, US
Jeff D. Sherrard - Lakewood CO, US
Amy M. Dunker - Dallas TX, US
Jackie M. Macfarlane - Parker CO, US
Eric L. Platte - Castle Rock CO, US
Susan F. Abrahams - Atlanta GA, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 30/00

US Classification:

705 26, 705 271, 705 37

Abstract:

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 ().