Englewood, CO, United States
Englewood, CO, United States

The Western Union Company is an American financial services and communications company. Its North American headquarters is in Meridian, Colorado, though the postal designation of nearby Englewood is used in its mailing address. Up until it discontinued the service in 2006, Western Union was the best-known U.S. company in the business of exchanging telegrams.Western Union has several divisions, with products such as person-to-person money transfer, money orders, business payments and commercial services. They offered standard "Cablegrams", as well as more cheerful products such as Candygrams, Dollygrams, and Melodygrams.Western Union, as an industrialized monopoly, dominated the telegraph industry in the late 19th century. It was the first communications empire and set a pattern for American-style communications businesses as they are known today. Wikipedia.


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Patent
Western Union | Date: 2016-09-14

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. A back-end system may receive data from one or more digital kiosk systems associated with particular locations in a transaction system network, various mobile computing devices of users, and client computers within the transaction system. One or more back-end servers may analyze the data to determine various characteristics of the transaction system and/or characteristics of one or more particular locations in the transaction system network.


Patent
Western Union | Date: 2015-06-17

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.


Patent
Western Union | Date: 2016-01-26

A system and method for facilitating payment for online purchases is disclosed. The system allows consumers/customers who shop online to select, at the time of checkout, direct payment from an account as the payment option. An electronic bill (ebill), independent of any confidential financial information pertaining to the consumer, is automatically displayed and emailed to the consumer. The consumer pays the ebill at their bank the same way they pay their utility bill, which then results in a payment confirmation sent from the bank to the payee. Payment information from the bank is sent to the system to update the purchase transactions. Once the payment information is processed, the consumer and merchant accounts are balanced and both receive automatic notification of the payment.


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 systems and methods may further include identifying a trigger corresponding to a movement of monetary funds from an originating account to the virtual banking account, and after identifying the trigger, initiating a transfer of at least a portion of the monetary funds from the virtual banking account to a destination account based on the standing instructions.


Patent
Western Union | Date: 2015-08-18

One method for transferring funds includes receiving at a web server computer a request to transfer funds from a sender to a receiver. The request includes information identifying the sender and a payment vehicle for providing funds to transfer. The payment vehicle is validated and a transaction identifier is generated or assigned. The transaction identifier may be transmitted from the web server computer to the sender. When ready to receive the funds, the transaction identifier is entered into an ATM. If the transaction identifier is validated, the funds are dispensed from the ATM.


Patent
Western Union | Date: 2015-08-20

Systems and methods for collecting biometrically secured financial form data from a user are described. A user input device may receive biometric data from the user. The user may be presented with a visual medium. The visual medium may contain a plurality of fields for information necessary to conduct a financial transaction. Handwriting data may be received from the user. At least a portion of the handwriting may represent information corresponding to the plurality of fields for information necessary to conduct the financial transaction. At least a portion of the information corresponding to the plurality of fields for information necessary to conduct the financial transaction may be transmitted from the user input device to a computer system.


Systems and methods for bypassing a print dialog box that indicates a print confirmation, a prompt message, or a page preview, by employing a background print applet. The systems and methods may include detecting a print content to be printed by a printer, identifying one or more features of the print content, and determining one or more print settings based on the identified one or more features. The systems and methods may further include initiating the print content to be printed by the printer based on the determined print settings, whereby initiating the print content includes bypassing the print dialog box.


Patent
Western Union | Date: 2015-07-07

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 processor-readable instructions may cause the processor to send instructions to a user interface (UI) for the web application, whereby the instructions are indicative of the at least one optional field and required field, and configure the UI to display the at least one optional field and required field at the web application of the customer mobile device.


Patent
Western Union | Date: 2016-06-24

This disclosure describes, generally, methods and systems for exchanging alternative currencies. The method includes creating, at an alternative currency platform, a plurality of user accounts and receiving, from a first user in the plurality of user accounts, an alternative currency exchange offer. The alternative currency exchange offer includes one or more offer terms and associated assets. Furthermore, the method includes extending the alternative currency exchange offer from the first user to the second user, in response to receiving acceptance of the offer from the second user, verifying the associated assets of the first user and the second user, and in response to verification of the assets of the first user and second user, providing settlement of the alternative currency exchange offer.


Patent
Western Union | Date: 2016-07-05

A method for transferring money may include providing a money transfer instrument having product information and a monetary value associated therewith. The method may also include capturing the product information by a POS terminal in response to the sender purchasing the money transfer instrument. The method may further include generating and issuing a personal identifier to the sender on a receipt printed at the POS terminal. The method may additionally include receiving from the sender money transfer information along with the personal identifier. The method may moreover include generating and transmitting to the sender a money transfer control identifier that is separate from the personal identifier. The method may furthermore include receiving from the recipient the money transfer control identifier to receive transferred money at a money transfer location.

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