Money transfer systems and methods
First Claim
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1. A method of facilitating money transfers, the method comprising:
- establishing a transfer record associated with a funds transfer package;
making the funds transfer package available for sale at a vendor location;
receiving a transfer activation request including an activation amount of funds to be associated with the funds transfer package;
receiving a transfer fulfillment request comprising;
a request to transfer a first portion of the funds to a first receiver;
a sender'"'"'s personal identification information; and
the first receiver'"'"'s personal identification information;
in response to the money transfer fulfillment request, providing a transaction identifier to the sender; and
authorizing payment of the first portion of the funds to the first receiver based on receipt of the transaction identifier from the first receiver.
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Abstract
The present invention provides systems and methods of facilitating money transfers. The method includes receiving, at a money transfer system, access to a customer'"'"'s account, establishing, at the money transfer system, a money transfer record including a recipient and an amount, and receiving, at the money transfer system, an identifier for the money transfer record. The method further includes receiving presentation of the identifier at an input device of the money transfer system and authorizing a money transfer associated with the money transfer record.
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Citations
25 Claims
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1. A method of facilitating money transfers, the method comprising:
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establishing a transfer record associated with a funds transfer package; making the funds transfer package available for sale at a vendor location; receiving a transfer activation request including an activation amount of funds to be associated with the funds transfer package; receiving a transfer fulfillment request comprising; a request to transfer a first portion of the funds to a first receiver; a sender'"'"'s personal identification information; and the first receiver'"'"'s personal identification information; in response to the money transfer fulfillment request, providing a transaction identifier to the sender; and authorizing payment of the first portion of the funds to the first receiver based on receipt of the transaction identifier from the first receiver. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method of facilitating money transfers, the method comprising:
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providing a money transfer package available for sale at a vendor location, the money transfer package including; a purchase code readable by a point of sale device at the vendor location for purchase of the money transfer package; and a reference code associated with the money transfer package; receiving a fulfillment request from a first party, the fulfillment request including the following information received from the first party; identification information of the first party; identification information of a second party; and the reference code; in response to the fulfillment request, providing a transaction identifier to the first party; and authorizing payment of a money transfer to the second party based on receipt of the transaction identifier from the second party. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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Specification