US 10,311,410 B2Granted

Money transfer system and messaging system

AssigneeThe Western Union Company

InventorsScott Paintin, Lance Marr, Michelle Kloosterman, Rebecca Loevenguth, Diane Scott

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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.

Claims20

Dependent claims

A method comprising:

receiving, at a host computer system, a first request for a funds transfer from a sender to a recipient;
receiving, at the host computer system, transaction information from a transaction device comprising one or more biometric readers and at least one of an audio or video recorder, wherein the transaction information received from transaction device comprises:
(i) a source account for the funds transfer read from an information card of the sender via the transaction device,
(ii) biometric data of the sender captured via the one or more biometric readers of the transaction device, and
(iii) an audio and/or video message from the sender recorded via the audio or video recorder of the transaction device;
receiving, at the host computer system, a confirmation that a payment from the source account has been made for the funds transfer;
assigning, by the host computer system, an identifier to the funds transfer;
transmitting, by host computer system, the message from the sender to a web server, and storing the message on a password-secured web page of the web server;
receiving, at the host computer system, a second request from the sender that the message is provided to the recipient prior to receipt of funds by the recipient;
associating, at the host computer system, the message with the identifier or the funds;
providing, by the host computer system and to the recipient, access information for the password-secured web page of the web server;
receiving, at the host computer system, a third request from the recipient, wherein the third request includes the identifier and the access information;
and
providing, by the host computer system, access to the password-secured web page including the message to the recipient, in response to receiving the third request including the access information from the recipient.

11 more elements

A non-transitory machine readable medium having instructions stored thereon, wherein the instructions are executable by one or more processors for at least:

receiving a first request for a funds transfer from a sender to a recipient;
receiving transaction information from a transaction device comprising one or more biometric readers and at least one of an audio or video recorder, wherein the transaction information received from transaction device comprises:
(i) a source account for the funds transfer read from an information card of the sender via the transaction device,
(ii) biometric data of the sender captured via the one or more biometric readers of the transaction device, and
(iii) an audio and/or video message from the sender recorded via the audio or video recorder of the transaction device;
receiving a confirmation that a payment from the sender has been made for the funds transfer;
assigning an identifier to the funds transfer;
transmitting the message from the sender to a web server, and storing the message on a password-secured web page of the web server;
receiving a second request from the sender that the message is provided to the recipient prior to receipt of funds by the recipient;
associating the message with the identifier or the funds;
providing access information for the password-secured web page of the web server;
receiving a third request from the recipient, wherein the third request includes the identifier and the access information;
and
providing access to the password-secured web page including the message to the recipient, in response to receiving the third request including the access information from the recipient.

11 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/312,456Filed 23 Jun 2014 · continuation
Priority: 28 Mar 2007
Published: US 2014/0304152 A19 Oct 2014
Granted: 4 Jun 2019
Term ends: Not estimatedThe source records don’t support an estimate.

Classification7 codes

G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/02
Payment architectures, schemes or protocols: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/20
Payment architectures: point-of-sale [POS] network systems
G06Q 20/40
Payment protocols; Details thereof: authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and…

Family

Application11/692,708Parent of this continuation · filed 28 Mar 2007
Application13/921,787Parent of this continuation · filed 19 Jun 2013
US 8,504,473 B2Parent of this continuation · filed 6 Aug 2013
US 2014/0304152 A1Pre-grant publication · published 9 Oct 2014
US 8,762,267 B2Parent of this continuation
US 2008/0243690 A1Published application
US 2013/0297494 A1Published application
US 10,311,410 B2This patent

From the US filing history. Foreign family members aren’t listed.

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