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Money transfer system and messaging system

  • US 10,311,410 B2
  • Filed: 06/23/2014
  • Issued: 06/04/2019
  • Est. Priority Date: 03/28/2007
  • Status: Active Grant
First Claim
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1. A method comprising:

  • receiving, at a host computer system, a first request for a funds transfer from a sender to a recipient;

    receiving, at the host computer system, transaction information from a transaction device comprising one or more biometric readers and at least one of an audio or video recorder, wherein the transaction information received from transaction device comprises;

    (i) a source account for the funds transfer read from an information card of the sender via the transaction device,(ii) biometric data of the sender captured via the one or more biometric readers of the transaction device, and(iii) an audio and/or video message from the sender recorded via the audio or video recorder of the transaction device;

    receiving, at the host computer system, a confirmation that a payment from the source account has been made for the funds transfer;

    assigning, by the host computer system, an identifier to the funds transfer;

    transmitting, by host computer system, the message from the sender to a web server, and storing the message on a password-secured web page of the web server;

    receiving, at the host computer system, a second request from the sender that the message is provided to the recipient prior to receipt of funds by the recipient;

    associating, at the host computer system, the message with the identifier or the funds;

    providing, by the host computer system and to the recipient, access information for the password-secured web page of the web server;

    receiving, at the host computer system, a third request from the recipient, wherein the third request includes the identifier and the access information; and

    providing, by the host computer system, access to the password-secured web page including the message to the recipient, in response to receiving the third request including the access information from the recipient.

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