Miguel J Cintron

US Patent:

7797234, Sep 14, 2010

Filed:

Aug 26, 2005

Appl. No.:

11/162066

Inventors:

Thomas D. Avazian - Miami FL, US
Miguel Cintron - Charlotte NC, US
Marcos Rosenberg - Charlotte NC, US
Claudia Tabacinic - Hollywood FL, US
Faith A. Tucker - Wichita KS, US
Eduardo J. Vergara - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.

US Patent:

7996309, Aug 9, 2011

Filed:

Jul 23, 2010

Appl. No.:

12/842675

Inventors:

Thomas D. Avazian - Miami FL, US
Miguel Cintron - Charlotte NC, US
Marcos Rosenberg - Charlotte NC, US
Claudia Tabacinic - Hollywood FL, US
Faith A. Tucker - Wichita KS, US
Eduardo J. Vergara - Charlotte NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 39

Abstract:

A bank customer of a first bank in a first country has a bank account. The bank provides a banking service whereby customer is able to send cash to a recipient in a second country via a commingled bank account belonging to a second bank. The cash is provided to the recipient in the currency of the second country by a third party payment agent. To effect a transfer, the bank customer in the first country instructs the first bank to debit his or her account and send cash to a designated recipient. In response, the first bank debits the customer's account, sends first payment instructions to the second bank, and transfers funds to a commingled account at the second bank. Funds from this commingled account are used to pay for the cash provided to the recipient. The banking service may be provided free of charge to a banking customer of the first bank.

US Patent:

20120116970, May 10, 2012

Filed:

Nov 5, 2010

Appl. No.:

12/940671

Inventors:

Shawn Hagmeier - St. Peters MO, US
Mark Wiesman - Chesterfield MO, US
César Espinoza - Mexico City, MX
Miguel Cintron - Palmetto Bay FL, US

International Classification:

G06Q 20/00

US Classification:

705 44, 705 39

Abstract:

A service provider computer receives a request for a transfer of funds from a sender to a recipient. The service provider computer makes a data record about the transaction available to a receiving financial institution. The receiving financial institution receives a visit from the recipient, issues a new payment card account to the recipient, and communicates the account number for the new account to the service provider computer. The service provider computer initiates a payment transaction in a payment card system to route the requested funds transfer from a payment card account belonging to the sender to the newly issued payment card account for the recipient.

US Patent:

20140214677, Jul 31, 2014

Filed:

Mar 27, 2014

Appl. No.:

14/227576

Inventors:

- Purchase NY, US
Mark Wiesman - Chesterfield MO, US
César Espinoza - Mexico City, MX
Miguel Cintron - Palmetto Bay FL, US

Assignee:

MasterCard International Incorporated - Purchase NY

International Classification:

G06Q 20/10
G06Q 20/40

US Classification:

705 44

Abstract:

A service provider computer receives a request for a transfer of a remittance amount from a sender's payment card account to a recipient without an account. The service provider computer transmits a transaction authorization request and a hold on the sender's payment card account for the remittance amount via a payment card system to the sender's financial institution (FI), receives transaction request approval, and establishes a transaction data record. The service provider computer then transmits the transaction identification code to the sender, receives a transaction identification code and a transaction data record validity request from a receiving FI, provides the transaction data record, and receives the transaction identification code and a newly issued recipient payment card account number from the receiving FI. The service provider computer then initiates a payment transaction in a payment card system to route the remittance amount from the sender's payment card account to the recipient's newly issued payment card account.

Address:

7385 SW 148 St, Palmetto Bay, FL 33158

VIN:

1G1ZC5E11BF311815

Make:

CHEVROLET

Model:

MALIBU

Year:

2011