MOBILE CUSTOMER SERVICE CENTERS WITH A MOBILE PICKUP MODEL

• US 20100250436A1
• Filed: 04/02/2010
• Published: 09/30/2010
• Est. Priority Date: 10/17/2007
• Status: Abandoned Application

• Current Assignee: Western Union
• Original Assignee: Western Union
• Inventors: Loevenguth, Rebecca, Challani, Sanjay
• Application Number:
  US12/753,694
• Publication Number:
  US 20100250436A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising

Abstract

Methods and systems for redirecting the funds in a money transfer transaction are provided. The redirection of funds can be accomplished through a money redirection system. The redirection process can be initiated through a request from a recipient of the funds to change the destination of the money transfer from an intended destination to a new destination. The recipient can provide the money redirection system with a transaction identifier and with recipient identification information so that the money redirection system can verify that the recipient making the money redirection request is the recipient associated with the money transfer. After the money redirection system has verified the identity of the recipient, the money redirection system can direct a money transfer facilitator to redirect the funds.

Claims

1. A method for redirecting funds during a money transfer process, the method occurring at a redirection system, the method comprising:

receiving a redirection request from a recipient of the money transfer that the funds of the transfer be redirected from an intended destination to a new destination, wherein the request comprises identification information of the recipient;

communicating with a database associated with an account provider to verify that the recipient has an account associated with the account provider;

receiving a transaction identifier from the recipient, wherein the transaction identifier associates the money transfer with the recipient;

sending the transaction identifier to a money transfer facilitator, wherein the transaction identifier is used to obtain a recipient identifier from the money transfer facilitator;

receiving the recipient identifier from the money transfer facilitator;

verifying that the identification information provided by the recipient matches with the recipient identifier received by the money transfer facilitator to a predetermined level of certainty; and

in the event that the match is acceptable, sending a redirection instruction to the money transfer facilitator to redirect the funds of the money transfer from the intended destination to the new destination.

2. The method for redirecting funds during a money transfer process as in claim 1, wherein the money redirection system is used by an agent of an entity using the money redirection system and at least one of the steps of receiving, communicating, sending, and verifying are carried out with the agent'"'"'s assistance.

3. The method for redirecting funds during a money transfer process as in claim 1, wherein the money redirection system is used by the money transfer facilitator and the method further comprises:

executing a money transfer in accordance with the instruction whereby the money transfer funds are redirected from the intended destination to the new destination.

4. The method for redirecting funds during a money transfer process as in claim 1, wherein the money redirection system is used by a bank and the money redirection system communicates with the bank'"'"'s database to verify that the recipient holds an account with the bank.

5. The method for redirecting funds during a money transfer process as in claim 4, wherein the new destination for the funds of the money transfer is the account the recipient holds with the bank.

6. The method for redirecting funds during a money transfer process as in claim 1, wherein the money redirection system is used by a mobile network operator, wherein the money redirection system communicates with the mobile network operator'"'"'s database to verify that the recipient has a mobile device account with the mobile network operator, and wherein the new destination for the funds associated with the account.

7. The method for redirecting funds during a money transfer process as in claim 1, further comprising:

calculating a fee, wherein the fee depends on any or all of the following;

the amount of funds transferred in the money transfer, any currency conversion, a location where the money transfer is initiated, a location to where the money transfer is redirected, and an account to where the money transfer is redirected.

8. The method for redirecting funds during a money transfer process as in claim 7, wherein the fee is applied to the money transfer by the money redirection system before the money transfer redirection is executed, the fee being used to pay for the service of the money redirection system.

9. A method for redirecting funds during a money transfer process, the method occurring at a redirection system, the method comprising:

receiving a redirection request and a transaction identifier from a recipient of the money transfer, wherein the redirection request requests that the money transfer be redirected from an intended destination to a new destination, and wherein the transaction identifier associates the recipient with the money transfer;

sending the transaction identifier to a money transfer facilitator, wherein the transaction identifier is used to obtain a recipient identifier from the money transfer facilitator;

receiving the recipient identifier from the money transfer facilitator;

communicating with the recipient to obtain identification information of the recipient;

communicating with a database associated with an account provider to verify that the recipient has an account associated with the account provider;

verifying that the identification information provided by the recipient matches with the recipient identifier to a predetermined level of certainty; and

in the event the match is acceptable, sending a redirection instruction to the money transfer facilitator to redirect the money transfer from the intended destination to the new destination

10. The method for redirecting funds during a money transfer process as in claim 9, wherein the money redirection system is used by an agent of an entity using the money redirection system and the steps of receiving, communicating, sending, and verifying are carried out with the agent'"'"'s assistance.

11. The method for redirecting funds during a money transfer process as in claim 9, wherein the money redirection system is used by the money transfer facilitator and the method further comprises:

executing a money transfer in accordance with the instruction whereby the money transfer funds are redirected from the intended destination to the new destination.

12. The method for redirecting funds during a money transfer process as in claim 9, wherein the money redirection system is used by a bank and the money redirection system communicates with the bank'"'"'s database to verify that the recipient holds an account with the bank.

13. The method for redirecting funds during a money transfer process as in claim 11, wherein the new destination for the funds of the money transfer is the account the recipient holds with the bank.

14. The method for redirecting funds during a money transfer process as in claim 9, wherein the money redirection system is used by a mobile network operator, wherein the money redirection system communicates with the mobile network operator'"'"'s database to verify that the recipient has mobile device account with the mobile network operator, and wherein the new destination for the funds is associated with the account.

15. The method for redirecting funds during a money transfer process as in claim 9, further comprising:

calculating a fee, wherein the fee depends on any or all of the following;

the amount of funds transferred in the money transfer, any currency conversion, a location where the money transfer is initiated, a location to where the money transfer is redirected, and an account to where the money transfer is redirected.

16. The method for redirecting funds during a money transfer process as in claim 15, wherein the fee is applied to the money transfer by the money redirection system before the money transfer redirection is executed, the fee being used to pay for the service of the money redirection system.

17. A money redirection system for redirecting funds during a money transfer process, the system comprising:

a communication interface that is adapted to;

receive a redirection request and a transaction identifier from a recipient of the money transfer, wherein the redirection request requests that the money transfer be redirected from an intended destination to a new destination, and wherein the transaction identifier associates the money transfer with the recipient,

send the transaction identifier to a money transfer facilitator, wherein the transaction identifier provides the money redirection system with a recipient identifier from the money transfer facilitator,

receive the recipient identifier from the money transfer facilitator,

communicate with the recipient to obtain identification information of the recipient, and

send an instruction to the money transfer facilitator to redirect the money transfer from the intended destination to the new destination; and

a processor that is configured to;

verify that the identification information provided by the recipient matches with information kept on the database associated with an account provider to a predetermined level of certainty, and

verify that the identification information provided by the recipient matches the recipient identifier to a predetermined level of certainty.

18. The money redirection system for redirecting funds during a money transfer process as in claim 17, wherein the money redirection system is used by the money transfer facilitator and wherein the processor is further configured to execute the money transfer in accordance with the instruction whereby the funds are redirected from the intended destination to the new destination.

19. The money redirection system for redirecting funds during a money transfer process as in claim 17, wherein the account provider is a financial institution and the money redirection system is used by the financial institution, and wherein the processor verifies that the recipient holds an account with the financial institution.

20. The money redirection system for redirecting funds during a money transfer process as in claim 17, wherein the processor is further configured to calculate a fee, wherein the fee depends on any or all of the following:

the amount of funds transferred in the money transfer, any currency conversion, a location where the money transfer is initiated, a location to where the money transfer is redirected, and an account to where the money transfer is redirected.

21. A method for redirecting funds during a money transfer transaction, the method occurring at a redirection system, the method comprising:

verifying that a recipient of the money transfer funds is associated with an account;

verifying that the recipient is associated with the money transfer transaction; and

in the event that the recipient is verified with the account and the money transfer transaction, redirecting the funds to the account.