Money transfer system and messaging system
First Claim
1. A method comprising:
- receiving, at a first computer system, a first request for a fund transfer from a sender to a stored value account;
receiving, at the first computer system, a confirmation that a payment from the sender has been made for the fund transfer;
assigning, at the first computer system, an identifier to the fund transfer;
receiving, at the first computer system or a second computer system, a recorded voice message from the sender;
receiving, with the first computer system or the second computer system, a second request from the sender that the recorded voice message is provided to the recipient prior to activation of a financial instrument associated with the stored value account;
associating, at the first computer system or the second computer system, the recorded voice message with the stored value account;
receiving, at the first computer system or the second computer system, a third request from a recipient, wherein the third request includes the identifier; and
providing, from the first computer system or the second computer system, the recorded voice message to the recipient after receiving the third request.
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Accused Products
Abstract
A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.
706 Citations
13 Claims
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1. A method comprising:
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receiving, at a first computer system, a first request for a fund transfer from a sender to a stored value account; receiving, at the first computer system, a confirmation that a payment from the sender has been made for the fund transfer; assigning, at the first computer system, an identifier to the fund transfer; receiving, at the first computer system or a second computer system, a recorded voice message from the sender; receiving, with the first computer system or the second computer system, a second request from the sender that the recorded voice message is provided to the recipient prior to activation of a financial instrument associated with the stored value account; associating, at the first computer system or the second computer system, the recorded voice message with the stored value account; receiving, at the first computer system or the second computer system, a third request from a recipient, wherein the third request includes the identifier; and providing, from the first computer system or the second computer system, the recorded voice message to the recipient after receiving the third request. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A system comprising:
at least one computer system configured to; receive a first request for a fund transfer from a sender to a stored value account; receive a confirmation that a payment from the sender has been made for the fund transfer; assign an identifier to the fund transfer; receive a textual message from the sender; receive a second request from the sender that the textual message is provided to the recipient prior to activation of a financial instrument associated with the stored value account; associate the textual message with the stored value account; cause the textual message and a financial instrument to be delivered to the recipient; and receive a third request from a recipient, wherein the third request includes the identifier. - View Dependent Claims (8, 9)
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10. A non-transitory machine readable storage medium having instructions stored thereon, wherein the instructions are executable by one or more processors to at least:
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receive a first request for a fund transfer from a sender to a stored value account; receive a confirmation that a payment from the sender has been made for the fund transfer; assign an identifier to the fund transfer; receive a textual message from the sender; receive a second request from the sender that the textual message is provided to the recipient prior to activation of a financial instrument associated with the stored value account; associate the textual message with the stored value account; cause the textual message and a financial instrument to be delivered to the recipient; and receive a third request from a recipient, wherein the third request includes the identifier.
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11. A method comprising:
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receiving, at a first computer system, a first request for a fund transfer from a sender to a stored value account; receiving, at the first computer system, a confirmation that a payment from the sender has been made for the fund transfer; assigning, at the first computer system, an identifier to the fund transfer, wherein the identifier comprises a stored value account number; receiving, at the first computer system or a second computer system, a recorded voice message from the sender; associating, at the first computer system or the second computer system, the recorded voice message with the stored value account; receiving, at the first computer system or the second computer system, a second request from a recipient, wherein the second request includes the identifier; and providing, from the first computer system or the second computer system, the recorded voice message to the recipient after receiving the second request.
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12. A system comprising:
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at least one computer system configured to; receive a first request for a fund transfer from a sender to a stored value account; receive a confirmation that a payment from the sender has been made for the fund transfer; assign an identifier to the fund transfer, wherein the identifier comprises a stored value account number; receive a textual message from the sender; associate the textual message with the stored value account; cause the textual message and a financial instrument to be delivered to the recipient; and receive a second request from a recipient, wherein the second request includes the identifier.
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13. A non-transitory machine readable storage medium having instructions stored thereon, wherein the instructions are executable by one or more processors to at least:
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receive a first request for a fund transfer from a sender to a stored value account; receive a confirmation that a payment from the sender has been made for the fund transfer; assign an identifier to the fund transfer, wherein the identifier comprises a stored value account number; receive a textual message from the sender; associate the textual message with the stored value account; cause the textual message and a financial instrument to be delivered to the recipient; and receive a second request from a recipient, wherein the second request includes the identifier.
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Specification