Patent application number | Description | Published |
20090006205 | Consolidated Payment Options - 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. | 01-01-2009 |
20090006250 | METHODS AND SYSTEMS FOR TRACKING AND REPORTING FINANCIAL TRANSACTIONS - This disclosure describes, generally, methods and systems for tracking and reporting multiple financial transactions. The method may include initiating a financial transaction by a user at an interface. The financial transaction may include multiple transactional steps. The method may further include generating notifications corresponding to the plurality of transactional steps. A first notification may be configured to indicate to the user that payment for the transaction has been initiated. A second notification may be configured to indicate to the user that the transaction has been processed and released for payment, and a third notification may be configured to indicate to the user that the transaction's funds have been made available. | 01-01-2009 |
20090089209 | METHODS AND SYSTEMS FOR GENERATING INVOICES - This disclosure describes, generally, methods and systems for generating electronic invoices. The method may include logging on to an online invoicing service account, and looking up a customer account from multiple customers associated with the online invoicing service account. The method may further include selecting the customer account that has a pending financial transaction with a biller. A request for an electronic invoice to be generated for the selected customer is initiated and the electronic invoice may be transmitted to the selected customer. | 04-02-2009 |
20090112754 | SYSTEMS AND METHODS FOR VERIFYING IDENTITIES - A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided. | 04-30-2009 |
20090198586 | SYSTEMS AND METHODS TO FACILITATE PAYMENT OF SHIPPED GOODS - This disclosure describes methods and systems for facilitating shipment of goods. The method includes forwarding an invoice for a purchase agreement made between a seller and a buyer. The method includes receiving a service selection indicating that the invoice is to be paid using an escrow system. The service selection includes a token for verification of a buyer's signatory. The method receives funding confirmation that the buyer has deposited funds into an escrow account. Based on funding confirmation, notification to ship the goods is sent. The method receives shipping confirmation confirming that the goods have been shipped. Upon receipt of the goods, a receiver is authenticated as the authorized signatory using the verification system. This authentication is based on the stored token matching a provided token. Based on verification of the receiver, the goods are released and the deposited funds from the escrow account are deposited into the seller's account. | 08-06-2009 |
20110066553 | SYSTEMS AND METHODS FOR VERIFYING IDENTITIES - A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided. | 03-17-2011 |
20120005075 | SYSTEMS AND METHODS FOR INCREASING COLLECTION AGREEMENT FULFILLMENT AND TRACEABILITY - A system for receiving a payment for a financial obligation of a payer via a staged transaction, and for identifying an originator of the staged transaction. A collection system may be configured to, per the originator, associate the obligation with an identifier which may be unique to the obligation and indicative of the originator, to associate the transaction with the identifier, and to provide the identifier to the payer. A provider system may be configured to receive a first record related to the transaction from the collection system, to receive a second record related to the transaction which indicates a payment has been received, and to send a third record related to the transaction to the collection system which indicates a payment has been received. A provider subsystem may be configured to receive the identifier from the payer, and send the second record to the provider system. | 01-05-2012 |
20120166295 | SECURE CONTACTLESS PAYMENT SYSTEMS AND METHODS - According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information. | 06-28-2012 |
20130311374 | SYSTEMS AND METHODS FOR VERIFYING IDENTITIES - A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided. | 11-21-2013 |
20140032403 | CONSOLIDATED PAYMENT OPTIONS - 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. | 01-30-2014 |
20140214689 | SYSTEMS AND METHODS TO FACILITATE PAYMENT OF SHIPPED GOODS - One method herein includes forwarding an invoice for a purchase agreement made between a seller and a buyer. The method includes receiving a service selection indicating that the invoice is to be paid using an escrow system. The service selection includes a token for verification of a buyer's signatory. The method receives funding confirmation that the buyer has deposited funds into an escrow account. Based on funding confirmation, notification to ship the goods is sent. The method receives shipping confirmation confirming that the goods have been shipped. Upon receipt of the goods, a receiver is authenticated as the authorized signatory using the verification system. This authentication is based on the stored token matching a provided token. Based on verification of the receiver, the goods are released and the deposited funds from the escrow account are deposited into the seller's account. | 07-31-2014 |
20140316977 | RECURRING MONEY TRANSFER - A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver. | 10-23-2014 |
20140316985 | SYSTEMS AND METHODS FOR VERIFYING IDENTITIES - A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. | 10-23-2014 |
Patent application number | Description | Published |
20090026259 | METHOD AND SYSTEM FOR PERFORMING MONEY TRANSFER TRANSACTIONS - A method for performing a money transfer receive transaction includes loading payout funds, corresponding to a desired amount of money to be transferred from a sender to a recipient, in a payout account associated with a payout card, such that the payout funds are electronically accessible by the recipient using the payout card. A system for performing a money transfer receive transaction is also provided. | 01-29-2009 |
20110218896 | VEHICLE TRAVEL MONITORING AND PAYMENT SYSTEMS AND METHODS - The invention provides various methods and systems for collecting and allocating road use fees. The invention may include receiving funds from a party, wherein the party is responsible for operation of a vehicle. Data indicating where the vehicle has travelled may be received by a computer system. A jurisdiction may be identified where road use fees are due based on where the vehicle has travelled. Fees due to the jurisdiction may be calculated based on the jurisdiction's road use fee schedule. The fee due for road use may be deducted from an account of the vehicle's operator. | 09-08-2011 |
20120023008 | N TO N MONEY TRANSFERS - Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied. | 01-26-2012 |
20120030098 | RECEIVER DRIVEN MONEY TRANSFER ALERT SYSTEM - A method for performing a money transfer initiated by a receiver of the money transfer, wherein the method includes receiving a money transfer initiation request from the receiver and the money transfer initiation request includes an amount of funds to be transferred, receiver information, and sender information. The method also includes staging a money transfer transaction after receiving the money transfer initiation request, wherein the money transfer transaction is pending an authorization by the sender to fund the money transfer. The method further includes providing the sender with a notification of the money transfer transaction, receiving the authorization to fund the money transfer transaction, and executing the money transfer to transfer the funds from the sender to the receiver. | 02-02-2012 |
20120030100 | RECURRING MONEY TRANSFER - A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver. | 02-02-2012 |
20120233040 | Electronic Acknowledgement of Receipt of Inventory - A method for tracking status of an inventory shipment sent to a recipient includes monitoring whether the recipient has transmitted an electronic acknowledgment of the status of the shipment; and automatically transmitting a message to the recipient requesting acknowledgment of receipt of inventory if the electronic acknowledgment is not transmitted by the recipient within a first predetermined amount of time. | 09-13-2012 |
20130166454 | RECEIVER DRIVEN MONEY TRANSFER ALERT SYSTEM - A method for performing a money transfer initiated by a receiver of the money transfer, wherein the method includes receiving a money transfer initiation request from the receiver and the money transfer initiation request includes an amount of funds to be transferred, receiver information, and sender information. The method also includes staging a money transfer transaction after receiving the money transfer initiation request, wherein the money transfer transaction is pending an authorization by the sender to fund the money transfer. The method further includes providing the sender with a notification of the money transfer transaction, receiving the authorization to fund the money transfer transaction, and executing the money transfer to transfer the funds from the sender to the receiver. | 06-27-2013 |
Patent application number | Description | Published |
20120177195 | VOICE OVER DATA TELECOMMUNICATIONS NETWORK ARCHITECTURE - The present invention describes a system and method for communicating voice and data over a packet-switched network that is adapted to coexist and communicate with a legacy PSTN. The system permits packet switching of voice calls and data calls through a data network from and to any of a LEC, a customer facility or a direct IP connection on the data network. The system includes soft switch sites, gateway sites, a data network, a provisioning component, a network event component and a network management component. The system interfaces with customer facilities (e.g., a PBX), carrier facilities (e.g., a LEC) and legacy signaling networks (e.g., SS7) to handle calls between any combination of on-network and off-network callers. | 07-12-2012 |
20130070757 | VOICE OVER DATA TELECOMMUNICATIONS NETWORK ARCHITECTURE - The present invention describes a system and method for communicating voice and data over a packet-switched network that is adapted to coexist and communicate with a legacy PSTN. The system permits packet switching of voice calls and data calls through a data network from and to any of a LEC, a customer facility or a direct IP connection on the data network. The system includes soft switch sites, gateway sites, a data network, a provisioning component, a network event component and a network management component. The system interfaces with customer facilities (e.g., a PBX), carrier facilities (e.g., a LEC) and legacy signaling networks (e.g., SS7) to handle calls between any combination of on-network and off-network callers. | 03-21-2013 |
Patent application number | Description | Published |
20120205386 | Thermochromic Coatings With Resin Vehicle - Thermochromic coatings are improved by mixing thermochromic capsules with polymer resins in a manner that imparts shelf stability to flowable precursors that may be cured to form relatively hard coatings that are capable of withstanding machine operations, such as the operations needed to make beverage can lids, bottle caps, pull tabs and the like. | 08-16-2012 |
20120315412 | Scented Thermochromic Ink - A thermochromic ink contains scented microcapsules. | 12-13-2012 |
20130075675 | Thermochromic Compositions From Trisubstituted Pyridine Leuco Dyes - A thermochromic leuco dye composition contains a leuco dye moiety including one or more tri-aryl substituted pyridines, a UVA developer moiety including at least one UVA developer selected from the group consisting of salicylic acid and derivatives thereof, and biphenyls and derivatives thereof, and a carrier selected from the group consisting of a fatty ester, fatty alcohol, fatty amide, and combinations thereof. | 03-28-2013 |
20130105743 | Photochromic Inks | 05-02-2013 |
20130177703 | REVERSIBLE THERMOCHROMIC AND PHOTOCHROMIC INK PENS AND MARKERS - Reversible thermochromic and photochromic ink compositions and markers, pens or writing instruments that use them are herein disclosed. | 07-11-2013 |
20130231242 | PRESSURE SENSITIVE COATING FOR IMAGE FORMING - Dye and developer components of a leuco dye system are separately microencapsulated. The microcapsule walls are fragile to the point of being easily ruptured. The microcapsules are mixed combined into a coating composition that is applied to a substrate and dried. Forces applied to the substrate, such as by the application of fingers or a writing instrument, rupture the capsule to produce a color change by interaction of the leuco dye system components that are released upon rupture of the capsules. | 09-05-2013 |
20130340885 | Thermochromic Level Indicator - A thermochromic ink or print varnish is formulated and printed to form a level indicator. | 12-26-2013 |
20140039091 | Interactive Coating for End Printing - Thermochromic coatings are improved by mixing thermochromic capsules with polymer resins in a manner that imparts shelf stability to flowable precursors that may be cured quickly using dodecylbenzenesulfonic acid and/or other acid catalysts to form relatively hard coatings that are capable of withstanding machine operations, such as the operations needed to make beverage can lids, bottle caps, pull tabs and the like. | 02-06-2014 |
20140187668 | STABILIZING ADDITIVES FOR THERMOCHROMIC PIGMENTS - A microencapsulation process is improved by adding a stabilizing agent that contains one or more catalytic organo-metal oxide materials, such as metal soaps. This functions as a crosslinker by causing unsaturated bonds in the microcapsule walls to react, thereby stabilizing the microcapsules against the effects of additives to coatings that, otherwise, degrade the functionality of thermochromic or photochromic materials at the microcapsule core. | 07-03-2014 |
20140210201 | VARIABLE PRINTING OF THERMOCHROMIC CODES - Promotional codes are printed using thermochromic inks in a manner that conceals the codes until a beverage or other article is cooled sufficiently to reveal the codes. | 07-31-2014 |
20140212654 | PRESSURE SENSITIVE COATING FOR IMAGE FORMING - A microencapsulated pigment including a leuco dye system is incorporated as one or more layers in a roll of adhesive tape. The tape is applied and may be rubbed by hand or another object to induce a color change. The change may serve as an indicator that the tape is well adhered for masking purposes in a painting operation, or to present a design where only selected portions of the tape are rubbed to induce the color change. The microencapsulated pigment may be constructed so that the color change is irreversible or reversible. | 07-31-2014 |
20140213442 | THERMOCHROMIC COLORING PAD - A children's coloring pad may incorporate thermochromic pigments that are specially formulated to develop color and clear color by respective applications of cold and hot temperatures. The pad may be used in a similar manner as with respect to finger painting, but without the residual mess. | 07-31-2014 |
20140272161 | SMALL SCALE MICROENCAPSULATED PIGMENTS AND USES THEREOF - A method is provided for making thermochromic pigments in microcapsules having unusually small particle sizes. | 09-18-2014 |
20140366238 | Water-Activated Thermochromic Materials - An article of clothing is coated or impregnated with a coating that contains thermochromic pigment. The pigment is constructed to change color when wet with water, and/or to provide a hyperthermic warning when a person wearing the clothing is over-warm. | 12-18-2014 |
20150018441 | YELLOW THERMOCHROMIC DYES, INKS COMPOSITION AND LEVEL INDICATORS - A new leuco dye produces a yellow color while demonstrating also exceptional light and thermal stability under light. | 01-15-2015 |
20150076423 | SMALL SCALE MICROENCAPSULATED PIGMENTS AND USES THEREOF - A method is provided for making thermochromic pigments in microcapsules having unusually small particle sizes. | 03-19-2015 |