Money-transfer techniques
First Claim
1. A method of transferring a sum of money from a customer to a beneficiary via a money-transfer service and an electronic communications network, said method comprising:
- said customer accessing said money-transfer service via said electronic communications network;
transmitting a data-input document from said money-transfer service to said customer via said electronic communications network;
said customer entering transaction data into said data-input document to record the amount of said sum of money to be transferred, an identification of said customer, an identification of said beneficiary, and basic payment data for said money-transfer service to use in collecting said sum of money;
transmitting said transaction data from said customer to said money-transfer service via said electronic communications network;
said money-transfer service collecting said sum of money in accordance with said basic payment data;
providing said customer with a unique fund-pick-up code; and
informing said beneficiary of said unique fund-pick-up code.
2 Assignments
0 Petitions
Accused Products
Abstract
A financial institution has a web-based server for use in transferring money between a customer and a beneficiary. The server provides an online money-transfer service via the Internet and the PSTN (Public Switched Telephone Network). A customer, having a client computer, a telephone having DTMF (Dual-Tone, Multiple Frequency) access and a credit card, opens a transaction web page provided by the server. The customer inputs transaction data into the web page, including the sum of money, customer and beneficiary data, and basic payment data, such as credit-card information except, perhaps, the credit card number. The customer sends the transaction data to the server via the Internet. After the customer confirms the transaction data in a second web page, the server instructs the customer to contact the financial institution via the customer'"'"'s telephone. Upon receiving the customer'"'"'s telephone call, the server looks for a match between a received ANI (automatic number identification) signal and the telephone number provided by the customer. The customer then punches in the credit card number, and, in return, receives a fund-pick-up (“folio”) number in an audio message. The customer provides the beneficiary with the fund-pick-up number to use in collecting the funds.
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Citations
30 Claims
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1. A method of transferring a sum of money from a customer to a beneficiary via a money-transfer service and an electronic communications network, said method comprising:
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said customer accessing said money-transfer service via said electronic communications network;
transmitting a data-input document from said money-transfer service to said customer via said electronic communications network;
said customer entering transaction data into said data-input document to record the amount of said sum of money to be transferred, an identification of said customer, an identification of said beneficiary, and basic payment data for said money-transfer service to use in collecting said sum of money;
transmitting said transaction data from said customer to said money-transfer service via said electronic communications network;
said money-transfer service collecting said sum of money in accordance with said basic payment data;
providing said customer with a unique fund-pick-up code; and
informing said beneficiary of said unique fund-pick-up code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A method of transferring a sum of money from a customer to a beneficiary via the Internet and an online money-transfer service, said method comprising:
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said customer accessing said money-transfer service via said Internet and an Internet-access device;
transmitting a data-input document from said online money-transfer service to said customer via said Internet;
opening said data-input document on said Internet-access device;
said customer entering transaction data into said data input document to record the amount of said sum of money to be transferred, an identification of said customer, an identification of said beneficiary, and basic payment data for said online money-transfer service to use in collecting said sum of money;
transmitting said transaction data from said Internet-access device to said online money-transfer service via said Internet;
providing said customer with a unique fund-pick-up code; and
informing said beneficiary of said unique fund-pick-up code. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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25. A money-transfer system, for transferring a sum of money from a customer to a beneficiary, comprising:
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an electronic communications network;
a money-transfer service connected to said electronic communications network, said money-transfer service including document means, for transmitting transaction documents to said customers via said electronic communications network, and database means, for storing transaction data received via said electronic communications network, and wherein said transaction data includes the amount of said sum of money to be transferred, an identification of said customer, an identification of said beneficiary, basic payment data for said money-transfer service to use in collecting said sum of money, and a fund-pick-up code; and
a plurality of customer communication systems connected to said electronic communications network, each of said customer communication systems comprising an access means, for receiving said transaction documents and said fund-pick-up code from said money-transfer service, a data-input means, for inputting transaction data into said transaction documents, a transmission means, for transmitting transaction data to said money-transfer service via said electronic communications network, a fund-pick-up means, for receiving said fund-pick-up code, and a beneficiary means, for informing said beneficiary of said fund-pick-up code. - View Dependent Claims (26, 27, 28, 29, 30)
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Specification