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41. 发明申请

WO2009002987A1 METHODS AND SYSTEMS FOR TRACKING AND REPORTING FINANCIAL TRANSACTIONS 审中-公开
标题翻译：跟踪和报告财务交易的方法和系统
公开(公告)号：WO2009002987A1
公开(公告)日：2008-12-31
申请号：PCT/US2008/068054
申请日：2008-06-24
申请人： THE WESTERN UNION COMPANY , BIXLER, Matt , NEWTON, Robert , SEIFERT, Dean , OWEN, Dave , PETRI, Elizabeth
发明人： BIXLER, Matt , NEWTON, Robert , SEIFERT, Dean , OWEN, Dave , PETRI, Elizabeth
IPC分类号： H04K1/00
CPC分类号： G06Q40/02 , G06Q20/10
摘要： 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.
摘要翻译：本公开一般地描述用于跟踪和报告多个金融交易的方法和系统。该方法可以包括由用户在界面处发起金融交易。金融交易可能包括多个交易步骤。该方法还可以包括生成与多个事务步骤相对应的通知。可以将第一通知配置为向用户指示已经启动了交易的支付。第二通知可以被配置为向用户指示交易已经被处理并被释放用于支付，并且第三通知可以被配置为向用户指示交易的资金已经可用。

42. 发明申请

WO2008019216A2 MONEY TRANSFER TRANSACTIONS VIA PRE-PAID WIRELESS COMMUNICATION DEVICES 审中-公开
标题翻译：通过预先支付的无线通信设备进行货币转账交易
公开(公告)号：WO2008019216A2
公开(公告)日：2008-02-14
申请号：PCT/US2007/073692
申请日：2007-07-17
申请人： THE WESTERN UNION COMPANY , BLAIR, Paul , LIEURANCE, Rex , ROBERTSON, Diane
发明人： BLAIR, Paul , LIEURANCE, Rex , ROBERTSON, Diane
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40145 , G06Q20/10 , G06Q20/28 , G06Q20/32 , G06Q20/3223 , G06Q20/349 , G06Q20/38 , G06Q20/40 , G06Q20/4016 , G06Q40/00
摘要： The present invention generally provides systems and methods for performing money transfer transactions via a wireless communication device, such as a cellular phone, hi accordance with the invention, the wireless communication device is associated with, or automatically linked to, at least one payment source account {i.e., the wireless communication device is associated with a payment source account that may be automatically charged for payment of account balances, authorized charges, and/or money transfers), hi a preferred embodiment, the wireless communication device is associated with at least one pre- paid payment source account, hi one example, the wireless communication device is a pre- paid cellular phone and/or is associated with a pre-paid money transfer account, hi certain aspects, the wireless communication device may access a pre-directed phone number, e.g., *55, to access a money transfer service provider. Once connected to a money transfer service provider, a user may initiate a money transfer via the wireless device, which is optionally paid to a payee in-person at a money transfer service provider location.
摘要翻译：本发明通常提供用于经由诸如蜂窝电话的无线通信设备来执行货币转账交易的系统和方法。根据本发明，无线通信设备与无线通信设备相关联或自动链接到至少一个支付来源账户（即，无线通信设备与支付来源账户相关联，该支付来源账户可以被自动收取用于支付账户余额，授权费用和/或货币转账）。在优选实施例中，无线通信设备与至少一个预付费支付来源账户相关联。在一个示例中，无线通信设备是预付费蜂窝电话和/或与预付款转账账户相关联。在某些方面，无线通信设备通信设备可以访问预定的电话号码，例如* 55以访问汇款服务提供商。一旦连接到汇款服务提供商，用户可以通过无线设备发起汇款，该汇款可选地在汇款服务提供商位置亲自支付给收款人。

43. 发明公开

EP2394243A1 METHODS AND SYSTEMS FOR ESTABLISHING AN IDENTITY CONFIDENCE DATABASE 审中-公开
标题翻译：方法和系统用于建立IDENTITÄTSKONFIDENZDATENBANK
公开(公告)号：EP2394243A1
公开(公告)日：2011-12-14
申请号：EP10722282.0
申请日：2010-02-23
申请人： The Western Union Company
发明人： DILL, Matthew, Leland
IPC分类号： G06Q20/00
CPC分类号： G06Q50/265 , G06Q30/02 , G06Q30/0201 , G06Q30/06 , G06Q40/00 , G06Q40/12
摘要： The invention provides various systems and methods for establishing an identity confidence scoring system. The method includes gathering identity information about the customers from physical locations and from remote locations. The method updates the identity profiles with the gathered identity information, and based on the gathered identity information, generates an identity confidence score associated with each identity profile.

44. 发明公开

EP1999716A2 ELECTRONIC PAYMENT INSTRUMENT SYSTEM AND METHOD 审中-公开
标题翻译：系统和方法的电子支付工具
公开(公告)号：EP1999716A2
公开(公告)日：2008-12-10
申请号：EP07758291.4
申请日：2007-03-09
申请人： The Western Union Company
发明人： HANSEN, Kurt, L. , NELSON, Wade , SEIFERT, Dean, A. , HANNA, Assaad, G.
IPC分类号： G06Q99/00
CPC分类号： G06Q20/28 , G06Q20/027 , G06Q20/10 , G06Q20/382 , G06Q40/02
摘要： A payment instrument that may be purchased at a retail location and used for conducting money transfers and other financial transactions. The amount associated with the instrument is stored in an non-banking account maintained by a money transfer entity. In order to activate the instrument after it has been purchased, a customer links the instrument to a personal profile of the customer using a PIN provided with the instrument.

45. 发明公开

EP1934920A2 MONEY TRANSFER SYSTEM AND METHOD 有权
标题翻译：系统和方法汇款
公开(公告)号：EP1934920A2
公开(公告)日：2008-06-25
申请号：EP06815200.8
申请日：2006-09-21
申请人： First Data Corporation , The Western Union Company
发明人： HANNA, Assaad, G. , HANSEN, Kurt, L. , SEIFERT, Dean, A.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/12 , G06Q20/202 , G06Q20/204 , G06Q20/209 , G06Q20/3437 , G07F7/02 , G07F7/0866 , G07F7/1008 , G07F7/12 , G07F17/42 , G07G5/00
摘要： A money transfer system using a money transfer instrument purchased at a retail location The system includes a POS terminal for entering a UPC code carried on the instrument. The POS terminal issues a PIN (132) in response to the UPC code, with the PIN (132) uses the PIN (132) to obtain a money transfer control number (MTCN)(134) associated with a record of the transfer transaction from a money transfer host.

46. 发明公开

EP1917622A1 PRESENTATION INSTRUMENT DISPLAY AND ACTIVATION SYSTEMS AND METHODS 审中-公开
标题翻译： PRESENTATION器械的显示和激活的系统和方法
公开(公告)号：EP1917622A1
公开(公告)日：2008-05-07
申请号：EP06789902.1
申请日：2006-08-21
申请人： First Data Corporation , The Western Union Company
发明人： ANDERSEN, Tonya , KAUKOL, Karen , REX, Deborah , JEFFORDS, Gary
IPC分类号： G06K5/00
CPC分类号： G07F7/1008 , G06Q10/0875 , G06Q20/20 , G06Q20/202 , G06Q20/208 , G06Q20/341 , G06Q20/3558 , G07F7/08 , G07F7/127
摘要： A method of validating and activating a purchase card includes providing a purchase card that is removably attached to a card carrier, wherein the purchase card has an account identifier associated therewith and has a card indicium affixed thereto, wherein the purchase card includes a machine-readable information encoding region into which the account identifier is encoded, and wherein the card carrier has a carrier indicium affixed thereto; populating a database with a stored card indicium that relates to the card indicium, a stored carrier indicium that relates to the carrier indicium, and a stored account identifier that relates to the account identifier, thereby uniquely coupling the account identifier to the card indicium; at a point-of-sale device and in response to a customer request to purchase the purchase card, entering information from the card indicium into the point-of-sale device; at the point-of-sale device, entering information from the carrier indicium into the point-of-sale device; comparing the information from the card indicium and the information from the carrier indicium with the stored card indicium and the stored carrier indicium; and based at least in part on the comparing step, activating the card by associating value to it.

47. 发明公开

EP1886285A2 IN-LANE MONEY TRANSFER SYSTEMS AND METHODS 审中-公开
标题翻译：在LANE汇款系统和程序
公开(公告)号：EP1886285A2
公开(公告)日：2008-02-13
申请号：EP06752350.6
申请日：2006-05-05
申请人： First Data Corporation , The Western Union Company
发明人： HANSEN, Kurt , SAYOR, Thomas, B.
IPC分类号： G07F19/00 , G06Q40/00
CPC分类号： G06Q20/10 , G06Q20/20 , G06Q20/40 , G06Q30/06 , G06Q40/12
摘要： The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair, hi this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.

48. 发明公开

EP1861811A2 MONEY TRANSFER WALL UNIT 审中-公开
标题翻译：墙单元FOR汇款
公开(公告)号：EP1861811A2
公开(公告)日：2007-12-05
申请号：EP06739072.4
申请日：2006-03-20
申请人： The Western Union Company
发明人： VOGT, Paul, J.
IPC分类号： G06K9/00
CPC分类号： G06Q40/04 , G06Q40/00
摘要： An embodiment of the present invention discloses a financial transaction wall unit workstation. The financial transaction wall unit workstation may be configured to attach to a vertical support and may comprise at least one display face, a transaction interface for communicating between the financial transaction wall unit workstation and a financial services provider, and a consumer display with instructions for using the financial transaction wall unit workstation to transact a financial transaction with the financial services provider. In certain aspects, the financial transaction wall unit workstation may be attached to a vertical support using a flexible attachment mechanism. Attachment of the financial transaction wall unit workstation to a vertical support using flexible attachment mechanisms may provide for vertical movement of the financial transaction wall unit workstation and may allow for accessibility of the financial transaction wall unit workstation by people of different statures and people in wheel chairs.

49. 发明公开

EP2122552A2 SECURE MONEY TRANSFER SYSTEMS AND METHODS USING BIOMETRIC KEYS ASSOCIATED THEREWITH 审中-公开
标题翻译： SICHERE GELDTRANSFERSYSTEME UND VERFAHREN MIT DAMIT ASSOZIIERTENBIOMETRIESCHLÜSSELN
公开(公告)号：EP2122552A2
公开(公告)日：2009-11-25
申请号：EP08727604.4
申请日：2008-01-11
申请人： The Western Union Company
发明人： KEANE, Tim , SEIFERT, Dean , GRAHMANN, Jonathan
IPC分类号： G06Q40/00
CPC分类号： G06Q20/12 , G06Q20/02 , G06Q20/027 , G06Q20/10 , G06Q20/1085 , G06Q20/3821 , G06Q20/40145
摘要： A method for transferring funds from a sender to a recipient includes receiving a request to transfer the funds from a sender; creating a transaction record having a transaction identifier; providing the transaction identifier to the sender; receiving the transaction identifier from a recipient; obtaining a first biometric sample from the recipient; using the biometric sample to select a MTCN (Money Transfer Control Number) from a pool of predetermined MTCNs; associating the MTCN with the first biometric sample and the transaction record; providing the MTCN to the recipient; thereafter, receiving a request from the recipient to receive the funds; obtaining the MTCN from the recipient; obtaining a second biometric sample from the recipient; using the MTCN and/or the second biometric sample to locate the transaction record; comparing the second biometric sample to the first biometric sample; and determining whether to provide the funds based on the comparison.
摘要翻译：将资金从发送方转移到接收方的方法包括接收从发送者转移资金的请求; 创建具有交易标识符的交易记录; 向发送者提供交易标识符; 从收件人接收交易标识符; 从接收者获取第一生物特征样本; 使用生物特征样本从预定MTCN的池中选择MTCN（汇款控制号码）; 将MTCN与第一生物特征样本和交易记录相关联; 向接收者提供MTCN; 此后接收收件人接收资金的请求; 从接收者获取MTCN; 从接收者获得第二生物特征样本; 使用MTCN和/或第二生物特征样本来定位交易记录; 将第二生物特征样本与第一生物特征样本进行比较; 并根据比较来确定是否提供资金。

50. 发明公开

EP1982300A2 BIOMETRIC BASED AUTHORIZATION SYSTEMS FOR ELECTRONIC FUND TRANSFERS 审中-公开
标题翻译：基于生物测定的电子货币转移的授权系统
公开(公告)号：EP1982300A2
公开(公告)日：2008-10-22
申请号：EP07750014.8
申请日：2007-02-06
申请人： The Western Union Company
发明人： JERONIMUS, Michael , ALGIENE, Ken , PAINTIN, Scott, R.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40145 , G06K9/00 , G06Q20/10 , G06Q20/40
摘要： A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee.

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