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The Western Union Company patents

Recent patent applications related to The Western Union Company. The Western Union Company is listed as an Agent/Assignee. Note: The Western Union Company may have other listings under different names/spellings. We're not affiliated with The Western Union Company, we're just tracking patents.

ARCHIVE: New 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 | Company Directory "T" | The Western Union Company-related inventors

Methods and systems for validating mobile devices of customers via third parties

A method for authenticating a mobile device in real-time. The method includes detecting the mobile device, sending a text message containing a unique uniform resource locator (“url”) to the mobile device, and detecting an access of the unique url by the mobile device through a first communication path. ... The Western Union Company

Staged transaction system for mobile commerce

Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment a method can be implemented by obtaining digital content; offering said digital content to a wireless telephone user; receiving payment information from said user for purchase of said digital content; processing said payment information so as to confirm payment for said digital content; and then downloading said digital content to said wireless telephone of said wireless telephone user. ... The Western Union Company

System and method for performing transactions similar to previous transactions

According to the invention, a method for initiating a similar transaction to one previously initiated by a user is disclosed. The method may include sending a digital receipt for a first transaction to a user. ... The Western Union Company

Consumer due diligence for money transfer systems and methods

A method of transferring money from a sender to a recipient using a third party money transfer service a point of sale device receiving transaction details for a requested money transfer; determining whether the requested transaction is an allowable transaction; and either aborting the transaction; attempting to identify the sender as an existing customer using the transaction details; using the sender's transaction history and the transaction details to determine whether to allow the requested transaction to proceed. If the requested transaction is allowed to proceed, the method includes creating a money transfer record for the requested transaction; associating a money transfer control number to the money transfer record; and using the transaction details to determine whether to monitor the requested transaction.. ... The Western Union Company

Systems and methods for identifying similarities in instructional data and creating consolidated records thereof

Methods herein may include receiving a request to initiate an allocation and transmitting a request for information relating to the allocation, including a quantity and an identification of institutions associated with first and second parties. Methods may also include consolidating the information with information received from other parties into consolidated information. ... The Western Union Company

Universal ledger

The present invention provides systems and methods for tracking obligations incurred between individuals. The method may include receiving a request from a first party, where the request includes an expense incurred by the first party for the benefit of a second party. ... The Western Union Company

Money transfer smart phone methods and systems

A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. ... The Western Union Company

Combined security for electronic transfers

Techniques described herein relate to receiving and handling multi-user electronic transfer requests involving client devices at different locations or domains within a transfer system. In response to received transfer requests, a number of granter system offers may be evaluated based combinations of sender credentials and receiver credentials. ... The Western Union Company

Integration framework and user interface for embedding transfer services into applications

Techniques are disclosed for providing secure transaction functionality embedded into host applications executing on transaction client devices, using an integration framework and user interfaces. A transaction server may be configured to receive initial transaction sender and receiver data from an integrated software component executing within a host software application on a transaction client device. ... The Western Union Company

Methods and systems for real-time identification and mitigation of agent risks relating to aml

Systems and methods for identifying and mitigating non-compliances include determining an agent location of a money service business for review, obtaining a photograph and geographic coordinates of the agent location, and collecting field data at the agent location through a mobile application. Such information are sent from the mobile application to a central server of a third party vendor for a series of quality checks and stored at the central server. ... The Western Union Company

Multi-network transaction analysis

Techniques described herein relate to analyzing location-based transaction systems, based on data from multiple client devices detected and received via multiple communication networks, and providing customized data to client devices associated with particular locations and/or users of the transaction system. The characteristics of a transaction system and/or specific client locations of the transaction system may be determined, based on data received from multiple client devices. ... The Western Union Company

Systems and methods for implementing global money transfers

Systems, methods, and apparatuses for configuring a web application for global money transfers include a customer mobile device, a processor, and a memory having processor-readable instructions that cause the processor to collect data from a web application, whereby the web application is provided on the customer mobile device in operative communication with the host computer, and determine at least one of an optional field and a required field based on the collected data. The at least one optional field and required field may receive input for conducting a money transfer. ... The Western Union Company

Methods and systems for for implementing virtual international banking

Systems and methods for conducting a money transfer include providing a virtual banking account for the money transfer and determining standing instructions corresponding to the virtual banking account. The standing instructions may include a protocol-based workflow for conducting the money transfer. ... The Western Union Company

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This listing is an abstract for educational and research purposes is only meant as a recent sample of applications filed, not a comprehensive history. is not affiliated or associated with The Western Union Company in any way and there may be associated servicemarks. This data is also published to the public by the USPTO and available for free on their website. Note that there may be alternative spellings for The Western Union Company with additional patents listed. Browse our Agent directory for other possible listings. Page by