Michele A Demark
Accountancy at Ridgecrest Way, Littleton, CO

2012000, Jan 5, 2012

Jul 2, 2010

12/830025

Kurt Bulawa - Parker CO, US
Michael Michelsen - Arvada CO, US
Michele Demark - Highlands Ranch CO, US
Dave Owen - Castle Rock CO, US

The Western Union Company - Englewood CO

G06Q 40/00

705 39

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.

8510188, Aug 13, 2013

Jul 28, 2010

12/845048

Kurt Bulawa - Parker CO, US
Michael Michelsen - Arvada CO, US
Michele Demark - Highlands Ranch CO, US
David A. Owen - Castle Rock CO, US

The Western Union Company - Englewood CO

G06Q 40/00

705 35, 705 36 R, 705 37, 705 38, 705 39, 705 40, 705 41

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.

2012003, Feb 2, 2012

Aug 2, 2010

12/848709

Kurt Bulawa - Parker CO, US
Michele Demark - Highlands Ranch CO, US
Michael Michelsen - Arvada CO, US
David A. Owen - Castle Rock CO, US

The Western Union Company - Englewood CO

G06Q 40/00

705 40, 705 39

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.

2012002, Jan 26, 2012

Jul 22, 2010

12/841333

David A. Owen - Castle Rock CO, US
Michael Michelsen - Arvada CO, US
Kurt Bulawa - Parker CO, US
Michele Demark - Highlands Ranch CO, US

The Western Union Company - Englewood CO

G06Q 40/00

705 39

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.

2006003, Feb 16, 2006

Oct 21, 2005

11/255848

James Cowell - Littleton CO, US
Peter Karas - Lakewood CO, US
Michele Demark - Highlands Ranch CO, US
Karen Lyon - Highlands Ranch CO, US

First Data Corp. - Englewood CO

G06Q 30/00, G06Q 40/00

705014000, 705039000

Systems and methods associated with ordering, producing and/or distributing incentive messages. Systems can include means for receiving requests for incentive messages, for receiving payment for the incentive messages, and for transferring the incentive message to a receiver. Such incentive messages can include a trophy and a redemptive code.

2003017, Sep 18, 2003

Feb 19, 2003

10/370281

James Cowell - Littleton CO, US
Peter Karas - Lakewood CO, US
Michele Demark - Highlands Ranch CO, US
Karen Lyon - Highlands Ranch CO, US

First Data Corporation - Englewood CO

G06F017/60

705/014000, 705/026000

Systems and methods associated with ordering, producing and/or distributing incentive messages. Systems can include means for receiving requests for incentive messages, for receiving payment for the incentive messages, and for transferring the incentive message to a receiver. Such incentive messages can include a trophy and a redemptive code.

2003003, Feb 20, 2003

Jun 28, 2002

10/187475

Peter Karas - Lakewood CO, US
James Cowell - Littleton CO, US
Michele Demark - Highlands Ranch CO, US
Karen Lyon - Highlands Ranch CO, US

First Data Corporation - Greenwood Village CO

G06F017/60, G06F017/00

705/014000, 705/026000, 700/233000

Systems and methods associated with ordering, producing and/or distributing incentive messages. Systems can include means for receiving requests for incentive messages, for receiving payment for the incentive messages, and for transferring the incentive message to a receiver. Such incentive messages can include a trophy and a negotiable instrument. The trophy can be detachable from the negotiable instrument. Methods can include providing one or more incentive messages.

8620799, Dec 31, 2013

Jan 18, 2011

13/008393

Michele Demark - Highlands Ranch CO, US
Mike Michelsen - Arvada CO, US
Diane Scott - Lone Tree CO, US
Chris Cochran - Highlands Ranch CO, US

The Western Union Company - Englewood CO

G06Q 40/00

705 38, 705 35

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 method may also include providing a notice of the request to the second party and receiving an acceptance from the second party to assume an obligation associated with the expense. The method may further include associating the obligation with the second party and associating a benefit with the first party. The obligation and/or benefit may be substantially equal in value to the expense. The method may additionally include interfacing with a social network service to provide the social network service with information about the obligation and/or the benefit.