METHOD AND APPARATUS FOR MONEY TRANSFER
First Claim
1. A method of performing a money transfer transaction comprising:
- receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection;
responsive to the information from the user received at the kiosk, building a staging record for the transaction, said staging record including at least a retrieval key to identify the staging record and a transaction type identifier; and
providing to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment.
13 Assignments
0 Petitions
Accused Products
Abstract
A method of performing a money transfer transaction involves receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection and, responsive to the information from the user received at the kiosk, building a staging record for the transaction. The staging record includes at least a retrieval key to identify the staging record and a transaction type identifier. The method provides to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment.
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Citations
31 Claims
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1. A method of performing a money transfer transaction comprising:
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receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection;
responsive to the information from the user received at the kiosk, building a staging record for the transaction, said staging record including at least a retrieval key to identify the staging record and a transaction type identifier; and
providing to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 18)
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11. A kiosk for staging a money transfer transaction comprising:
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a processor and input device for a user to provide information in response to a transaction script;
a code component for receiving information from a user for a money transfer transaction, including a transaction type selection;
a code component responsive to the information from the user received at the input device, for building a staging record for the transaction, said staging record including at least a retrieval key to identify the staging record and a transaction type identifier; and
a dispenser for providing to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment. - View Dependent Claims (12, 13, 14, 15, 16, 17, 19, 20)
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21. A computer program stored in a machine readable medium for performing a money transfer transaction comprising:
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a code component for receiving information from a user for a money transfer transaction, including a transaction type selection;
a code component responsive to the information from the user, for building a staging record for the transaction, said staging record including at least a retrieval key to identify the staging record; and
a code component for controlling a dispenser for providing to the sender a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A system for performing a money transfer transaction comprising:
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a code component for receiving information from a user for a money transfer transaction, including a transaction type selection;
a code component responsive to the information from the user received at the input device, for building a staging record for the transaction, said staging record including a retrieval key to identify the staging record;
a code component for providing to the sender a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment. a point of sale reader for reading staging information on the staged transaction token and locating a corresponding staging record;
a code component responsive to the corresponding staging record, for prompting a point of sale attendant to perform collection or payment actions according to the transaction type of the transaction that was staged; and
a code component responsive to the agent'"'"'s confirmation of fulfillment, for updating the staging record.
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Specification