Transactions with imaging analysis

• US 10,176,465 B2
• Filed: 12/08/2014
• Issued: 01/08/2019
• Est. Priority Date: 03/24/2009
• Status: Active Grant

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Paintin, Scott
• Primary Examiner(s): Merchant, Shahid
• Assistant Examiner(s): Warden, Michael J
• Application Number:
  US14/563,689
• Publication Number:
  US 20150161575A1
• Time in Patent Office: 1,492 Days
• Field of Search: 705 16, 235380, 348E13014, 348E13018, 348 35029
• CPC Class Codes: G01N 24/08 by using nuclear magnetic resonance G01N24/12 takes precedence
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/38 Payment protocols; Details thereof
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A money transfer system with imaging. The system includes a first money transfer terminal and an imaging device. The imaging device is configured to acquire a first set of imaging information of a user. The system also includes a host computer system, configured to receive at least a portion of the first set of financial transaction information and at least a portion of the first set of imaging information. The system also includes a previous transaction database, an external database, and a decision maker terminal. The system also includes a second money transfer terminal and a second imaging device. The second imaging device is configured to acquire a second set of imaging information of the second user.

Claims

1. A method comprising:

receiving, at a money transfer terminal, information associated with a money transfer request from a user, wherein the money transfer request comprises financial transaction information;

presenting, with the money transfer terminal, a question to the user regarding the money transfer;

receiving, at the money transfer terminal from an imaging device, at least one of a first magnetic resonance imaging (MRI) image of the user prior to presentation of the question, a second MRI image of the user during presentation of the question, or a third MRI image of the user after presentation of the question;

transmitting, to a host computer system, the financial transaction information and at least one of the first MRI image, the second MRI image, or the third MRI image;

retrieving, by the host computer system, MRI imaging information associated with a previous financial transaction by the user;

determining, with the host computer system, whether to approve the money transfer request based at least in part on a comparison of the MRI imaging information associated with the previous financial transaction with at least one of the first MRI image, the second MRI image, or the third MRI image; and

transmitting, from the host computer system to the money transfer terminal, an indication of whether the money transfer request is approved.

2. The method of claim 1, further comprising:

presenting, with the money transfer terminal, an additional question to the user; and

receiving, at the money transfer terminal from the imaging device, at least one of a fourth MRI image of the user prior to presentation of the additional question, a fifth MRI image of the user during presentation of the additional question, or a sixth MRI image of the user after presentation of the additional question.

3. The method of claim 2, further comprising:

determining whether to present the additional question to the user, wherein such determination is based at least in part on at least one of the first MRI image, the second MRI image, or the third MRI image.

4. The method of claim 1, further comprising:

receiving from a recipient, at a second money transfer terminal, a request to disburse funds associated with the money transfer request;

presenting, with the second money transfer terminal, a question to the recipient regarding the money transfer;

receiving, at the second money transfer terminal from a second imaging device, at least one of a fourth MRI image of the recipient prior to presentation of the question, a fifth MRI image of the user during presentation of the question, or a sixth MRI image of the user after presentation of the question;

transmitting, from the second money transfer terminal to the host computer system, the request to disburse funds and at least one of the fourth MRI image, the fifth MRI image, or the sixth MRI image;

retrieving, by the host computer system, MRI imaging information associated with a previous financial transaction by the recipient;

determining, with the host computer system, whether to approve the request to disburse funds based at least in part on a comparison of the MRI imaging information associated with the previous financial transaction by the recipient with at least one of the fourth MRI image, the fifth MRI image, or the sixth MRI image; and

transmitting, from the host computer system to the second money transfer terminal, an indication of whether the request to disburse funds is approved.

5. The method of claim 1, further comprising:

receiving, at the host computer system, a decision by an expert of whether the user has an illegal purpose for the money transfer request, wherein the decision is based upon a presentation of at least one of the first MRI image, the second MRI image, or the third MRI image to the expert; and

wherein determining whether to approve the money transfer request is further based at least in part on the decision by the expert of whether the user has an illegal purpose for the money transfer request.

6. A system comprising:

a money transfer terminal configured to at least;

receive information associated with a money transfer request from a user, wherein the money transfer request comprises financial transaction information;

present a question to the user regarding the money transfer;

receive from an MRI machine at least one of a first image of the user prior to presentation of the question, a second image of the user during presentation of the question, or a third image of the user after presentation of the question; and

transmit, to a host computer system, the financial transaction information and at least one of the first image, the second image, or the third image; and

the host computer system configured to at least;

retrieve imaging information associated with a previous financial transaction by the user;

determine whether to approve the money transfer request based at least in part on a comparison of the imaging information associated with the previous financial transaction with at least one of the first image, the second image, or the third image; and

transmit, from the host computer system to the money transfer terminal, an indication of whether the money transfer request is approved.

7. The system of claim 6, wherein the money transfer terminal is further configured to at least:

present an additional question to the user; and

receive, from the MRI machine, at least one of a fourth image of the user prior to presentation of the additional question, a fifth image of the user during presentation of the additional question, or a sixth image of the user after presentation of the additional question.

8. The system of claim 7, wherein the host computer system is further configured to at least:

determine whether to present the additional question to the user, wherein such determination is based at least in part on at least one of the first image, the second image, or the third image.

9. The system of claim 6, wherein:

the system further comprises a second money transfer terminal configured to at least;

receive from a recipient a request to disburse funds associated with the money transfer request;

present a question to the recipient regarding the money transfer;

receive from a second MRI machine at least one of a fourth image of the recipient prior to presentation of the question, a fifth image of the user during presentation of the question, or a sixth image of the user after presentation of the question; and

transmit, to the host computer system, the request to disburse funds and at least one of the fourth image, the fifth image, or the sixth image; and

the host computer system is further configured to at least;

retrieve imaging information associated with a previous financial transaction by the recipient;

determine whether to approve the request to disburse funds based at least in part on a comparison of the imaging information associated with the previous financial transaction by the recipient with at least one of the fourth image, the fifth image, or the sixth image; and

transmit to the second money transfer terminal an indication of whether the request to disburse funds is approved.

10. The system of claim 6, wherein the host computer system is further configured to at least:

receive a decision by an expert of whether the user has an illegal purpose for the money transfer request, wherein the decision is based upon a presentation of at least one of the first image, the second image, or the third image to the expert; and

wherein determining whether to approve the money transfer request is further based at least in part on the decision by the expert of whether the user has an illegal purpose for the money transfer request.

11. A system comprising:

a first non-transitory machine readable medium having a first set of instructions stored thereon, the first set of instructions executable by one or more processors to at least;

receive information associated with a money transfer request from a user, wherein the money transfer request comprises financial transaction information;

present a question to the user regarding the money transfer;

receive from an MRI machine at least one of a first image of the user prior to presentation of the question, a second image of the user during presentation of the question, or a third image of the user after presentation of the question; and

transmit the financial transaction information and at least one of the first image, the second image, or the third image; and

a second non-transitory machine readable medium having a second set of instructions stored thereon, the second set of instructions executable by one or more processors to at least;

retrieve imaging information associated with a previous financial transaction by the user;

determine whether to approve the money transfer request based at least in part on a comparison of the imaging information associated with the previous financial transaction with at least one of the first image, the second image, or the third image; and

transmit an indication of whether the money transfer request is approved.

12. The system of claim 11, wherein the first set of instructions is further executable to at least:

present an additional question to the user; and

receive from the MRI machine at least one of a fourth image of the user prior to presentation of the additional question, a fifth image of the user during presentation of the additional question, or a sixth image of the user after presentation of the additional question.

13. The system of claim 12, wherein the second set of instructions is further executable to at least:

determine whether to present the additional question to the user, wherein such determination is based at least in part on at least one of the first image, the second image, or the third image.

14. The system of claim 11, wherein:

the system further comprises third non-transitory machine readable medium having a third set of instructions stored thereon, the third set of instructions executable by one or more processors to at least;

receive from a recipient a request to disburse funds associated with the money transfer request;

present a question to the recipient regarding the money transfer;

receive from a second MRI machine at least one of a fourth image of the recipient prior to presentation of the question, a fifth image of the user during presentation of the question, or a sixth image of the user after presentation of the question; and

transmit the request to disburse funds and at least one of the fourth image, the fifth image, or the sixth image; and

the second set of instructions is further executable to at least;

retrieve imaging information associated with a previous financial transaction by the recipient;

determine whether to approve the request to disburse funds based at least in part on a comparison of the imaging information associated with the previous financial transaction by the recipient with at least one of the fourth image, the fifth image, or the sixth image; and

transmit an indication of whether the request to disburse funds is approved.

15. The system of claim 11, wherein the second set of instructions is further executable to at least:

receive a decision by an expert of whether the user has an illegal purpose for the money transfer request, wherein the decision is based upon a presentation of at least one of the first image, the second image, or the third image to the expert; and

wherein determining whether to approve the money transfer request is further based at least in part on the decision by the expert of whether the user has an illegal purpose for the money transfer request.