Robert I Newton

US Patent:

8630946, Jan 14, 2014

Filed:

Nov 14, 2002

Appl. No.:

10/295769

Inventors:

Gary F. Moore - Mill Valley CA, US
David T. Shapiro - Highlands Ranch CO, US
Robert W. Newton - San Francisco CA, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 20/00

US Classification:

705 40, 705 42

Abstract:

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.

US Patent:

20040158521, Aug 12, 2004

Filed:

Feb 6, 2003

Appl. No.:

10/360557

Inventors:

Robert Newton - San Francisco CA, US
Martin Hughes - San Rafael CA, US
Terrance Hodel - San Rafael CA, US

Assignee:

First Data Corporation - Englewood CO

International Classification:

G06F017/60

US Classification:

705/038000, 705/039000

Abstract:

The present invention provides methods and systems for presenting financial and credit information to a customer. In one embodiment, the method includes receiving a credit worthiness report (CWR) for the customer, and providing the CWR to the customer. The method includes providing a list of selectable options to the customer, the options directed to at least one financial activity. A selected option is received from the customer, and a revised CWR is provided to the customer in response to the selected option. In this manner, the customer can examine how particular options or activities effect their credit worthiness.

US Patent:

20070233591, Oct 4, 2007

Filed:

Jun 5, 2007

Appl. No.:

11/758602

Inventors:

Robert Newton - San Francisco CA, US
Martin Hughes - San Rafael CA, US
Terrance Hodel - San Rafael CA, US

Assignee:

First Data Corporation - Greenwood Village CO

International Classification:

G06Q 40/00

US Classification:

70503600R

Abstract:

The present invention provides methods and systems for presenting financial and credit information to a customer. In one embodiment, the method includes receiving a credit worthiness report (CWR) for the customer, and providing the CWR to the customer. The method includes providing a list of selectable options to the customer, the options directed to at least one financial activity. A selected option is received from the customer, and a revised CWR is provided to the customer in response to the selected option. In this manner, the customer can examine how particular options or activities effect their credit worthiness.

US Patent:

20140032403, Jan 30, 2014

Filed:

Jul 26, 2013

Appl. No.:

13/951949

Inventors:

Robert Newton - San Francisco CA, US
Dean Seifert - Parker CO, US
Dave Owen - Castle Rock CO, US
Elizabeth Petri - Littleton CO, US

Assignee:

The Western Union Company - Englewood CO

International Classification:

G06Q 20/10

US Classification:

705 40

Abstract:

A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.

US Patent:

20150213423, Jul 30, 2015

Filed:

Dec 23, 2014

Appl. No.:

14/580786

Inventors:

- Englewood CO, US
Robert Newton - San Francisco CA, US
Dean Seifert - Parker CO, US
Dave Owen - Castle Rock CO, US
Elizabeth Petri - Littleton CO, US

International Classification:

G06Q 20/14
G06Q 10/08

Abstract:

A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.