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SYSTEM FOR AGENT ASSISTED MOBILE FUNDS TRANSFER AND MOBILE BANKING

  • US 20120041877A1
  • Filed: 10/20/2011
  • Published: 02/16/2012
  • Est. Priority Date: 04/27/2010
  • Status: Active Grant
First Claim
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1. A system for managing funds transfer and banking, the system comprising:

  • a server;

    the server receives a funds transfer request from a first mobile device 141 communicatively coupled to the server and communicates a first one-time-use token to the first mobile device;

    a server receives a funds transfer initiation notice from a second mobile device communicatively coupled to the server and communicates an acknowledgement message to the first mobile device;

    the server determines an appropriate third mobile device and communicates an incoming funds transfer transaction notice to the third mobile device;

    the server communicates a funds available notice to a fourth mobile device along with a second one-time-use token;

    the server receives a funds transfer activation request from the third mobile device along with the second one-time-use token communicated by the third mobile device;

    the server sends a funds transfer approval request to the first mobile device, receives the first one-time-use token, and verifies it; and

    the server sends a funds transfer completion confirmation request to the fourth mobile device and receives a funds transfer completion confirmation response from the fourth mobile device.

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