Systems and methods for providing individualized financial access

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8630946
APP PUB NO 20040088261A1
SERIAL NO

10295769

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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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.

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First Claim

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Patent Owner(s)

  • THE WESTERN UNION COMPANY

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Moore, Gary F Mill Valley, US 3 64
Newton, Robert W San Francisco, US 4 304
Shapiro, David T Highlands Ranch, US 3 118

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