APPARATUS AND METHOD FOR FACILITATING MONEY OR VALUE TRANSFER
First Claim
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1. An apparatus for money or value transfer from at least one sender to at least one receiver using at least one service partner, the apparatus comprising a computing platform, running the components of:
- at least one protocol translator for translating at least one request by the at least one sender to an internal communication protocol;
at least one gateway to the at least one service partner, for adapting the internal communication protocol to at least one communication protocol used by the at least one service partner;
at least one customer relationship and acquisition engine for responding to the at least one request from the at least one sender or at least one receiver, and for suggesting to the at least one sender at least one service or at least one product based on at least one request for registration, transaction, billing or historical transactions performed by the sender;
at least one rule engine for storing and applying at least one rule or at least one procedure to at least one transaction type, said at least one rule engine running on said computing platform; and
at least one service partner engine for performing at least one activity related to the at least one service partner.
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Abstract
An apparatus and method for transferring money or value, using a wide range of interfaces to initiate a transfer and a wide range of options for receiving the transfer, including receiving the transferred sum directly to the communication device/account of the receiver. The receiver can use the transferred sum as an airtime credit, to obtain cash or to pay for other goods or services.
489 Citations
28 Claims
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1. An apparatus for money or value transfer from at least one sender to at least one receiver using at least one service partner, the apparatus comprising a computing platform, running the components of:
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at least one protocol translator for translating at least one request by the at least one sender to an internal communication protocol; at least one gateway to the at least one service partner, for adapting the internal communication protocol to at least one communication protocol used by the at least one service partner; at least one customer relationship and acquisition engine for responding to the at least one request from the at least one sender or at least one receiver, and for suggesting to the at least one sender at least one service or at least one product based on at least one request for registration, transaction, billing or historical transactions performed by the sender; at least one rule engine for storing and applying at least one rule or at least one procedure to at least one transaction type, said at least one rule engine running on said computing platform; and at least one service partner engine for performing at least one activity related to the at least one service partner. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 26)
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12. A method for money or value transfer from at least one sender to at least one receiver, the method comprising the steps of:
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a. selecting a transaction channel, device or interface; b. creating at least one unit of value; c. transmitting the unit of value to at least one service partner; d. distributing the unit of value to the receiver; e. settling financial commitments between one or more involved institutions; and f. analyzing at least one request for registration, transaction, billing, or transaction history of the sender for predicting the behavior of the at least one sender or suggesting at least one customized offer or service to the at least one sender. - View Dependent Claims (13, 14, 15, 16, 17, 18, 20, 21, 22, 23, 24)
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19. (canceled)
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25. A computer readable storage medium containing a set of instructions for a general purpose computer, the set of instructions comprising:
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selecting a transaction channel, device or interface; creating at least one unit of value; transmitting the unit of value to at least one service partner; distributing the unit of value to a receiver; settling financial commitments between one or more involved institutions; and analyzing at least one request for registration, transaction, billing, or transaction history of the sender for predicting behavior of the at least one sender or suggesting at least one customized offer or service to the at least one sender.
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27. A method for money or value transfer from at least one sender to at least one receiver, the method comprising:
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a. a selection step for selecting a transaction channel, device or interface; b. a creation of unit of value step for creating at least one unit of value; c. a transmission step for transmitting the unit of value to at least one service partner; d. a value distribution step for distributing the unit of value to the receiver; e. a transaction settlement step for settling financial commitments between one or more involved institutions; and f. a selection step for letting the at least one sender to select between at least two qualified offers for the money or value transfer.
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28. An apparatus for money or value transfer from at least one sender to at least one receiver, using at least one service partner, the apparatus comprising a computing platform, running the components of:
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at least one protocol translator for translating at least one request by the at least one sender to an internal communication protocol; at least one gateway to the at least one service partner, for adapting the internal communication protocol to at least one communication protocol used by the at least one service partner; at least one customer relationship and acquisition engine for responding to the at least one request from the at least one sender or at least one receiver, and for suggesting to the at least one sender at least two qualified offers for the money or value transfer; at least one rule engine for storing and applying at least one rule or at least one procedure to at least one transaction type, said at least one rule engine running on said computing platform; and at least one service partner engine for performing at least one activity related to the at least one service partner.
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Specification