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Person-to-Person Funds Transfer

  • US 20100174646A1
  • Filed: 01/07/2009
  • Published: 07/08/2010
  • Est. Priority Date: 01/07/2009
  • Status: Active Grant
First Claim
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1. A method for initiating a person-to-person funds transfer at an ATM without the assistance of one or more human agents comprising:

  • receiving a request to initiate a person-to-person funds transfer;

    receiving a phone number associated with a recipient of the funds transfer;

    receiving a transfer funds amount to be transferred to the recipient;

    displaying a total funds amount corresponding to the transfer funds amount, wherein the total funds amount is the transfer funds amount combined with a predetermined fee;

    receiving funds totaling the total funds amount;

    generating a recipient code;

    updating a database to reflect the total funds amount received, the phone number associated with the recipient, and the recipient code; and

    sending a text message to the phone number, wherein the text message includes the recipient code.

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