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USER VERIFICATION FOR ELECTRONIC MONEY TRANSFERS

  • US 20130060708A1
  • Filed: 09/06/2011
  • Published: 03/07/2013
  • Est. Priority Date: 09/06/2011
  • Status: Abandoned Application
First Claim
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1. A system, comprising:

  • a communication device associated with a money transfer service and configured to transmit a fund transfer message to a destination associated with a payee to notify the payee of a fund transfer from a payer; and

    a transfer management component associated with the communication device and configured to receive a fund transfer request from a payer communication device associated with the payer, generate the fund transfer message to facilitate transfer of a specified amount of funds from an account associated with the payer to the payee, and at least one of verify the payee or associate an electronic object with the fund transfer message that requires the payee to be verified before access to the funds is granted to the payee, regardless of whether the payee is registered with the money transfer service, wherein verification information, comprising an item of authentication information that originates from the payer communication device, is transmitted in a separate message to a payee communication device from the payer communication device to facilitate the verification of the payee based at least in part on the item of authentication information.

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