# US 10,311,431 B2 · Method and apparatus for staging send transactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,311,431 B2 - Document ID: US10311431B2 - Status: Granted - Kind: B2 - Application number: 15/786,302 - Filed: 2017-10-17 - Published: 2018-02-08 - Granted: 2019-06-04 - Earliest claimed: 2006-12-07 - Assignees: MoneyGram International, Inc. - Applicants: MoneyGram International, Inc. - Inventors: James M. Henry - Web page: https://patentgrep.com/patent/US10311431B2 ## CPC - G06Q 20/3674: {involving authentication} - G06F 16/22: Indexing; Data structures therefor; Storage structures - G06Q 20/023: {the neutral party being a clearing house} - G06Q 20/042: {characterized in that the payment protocol involves at least one cheque} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/102: {Bill distribution or payments} - G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"} - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3274: {using a pictured code, e.g. barcode or QR-code, being displayed on the M-device} - G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists - G06Q 20/40145: {Biometric identity checks} - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q 2220/00: Business processing using cryptography - H04L 9/50: {using hash chains, e.g. blockchains or hash trees} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract A method for performing transactions comprises receiving registration information and transaction specifications, generating a distribution profile based on the registration information, and storing the transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the transaction specifications in the distribution profile is identified based on the initiation instruction. Payment source status is verified and a send transaction is initiated, based on the payment source status. ## Claims ### Claim 1 A method comprising: receiving registration information and money transfer transaction specifications from an access portal, the registration information identifying a payment source for staging a plurality of staged send transactions based on the money transfer transaction specifications; generating a customer profile based on the registration information; storing the money transfer transaction specifications in the customer profile; identifying the customer profile in response to an initiation instruction and associated authentication data received from a customer, wherein the customer profile includes the staged send transactions defined in transaction specification records and the customer initiates one or more of the staged send transactions remotely with a mobile device; identifying one of the money transfer transaction specifications, based on the initiation instruction; verifying a status of the payment source for funding one of the staged send transactions, according to the identified money transfer transaction specification; and initiating the staged send transaction for delivery of a send amount based on the status of the payment source at a time the send transaction is initiated; wherein the send amount is set at a time of the initiation instruction and is not included in the identified money transfer transaction specification; and tracking debits from the one or more initiated transactions in the transaction specification records, for retail purchases at participating merchants. ### Claim 2 (depends on 1) The method of claim 1, wherein the access portal comprises a personal computer, mobile computer, mobile phone or personal data assistant. ### Claim 3 (depends on 1) The method of claim 1, wherein: the authentication data are stored on the mobile device; and the authentication data comprise a digital signature or biometric data presented by the customer. ### Claim 4 (depends on 1) The method of claim 1, wherein the transaction specification records specify a recipient and delivery options therefor. ### Claim 5 (depends on 4) The method of claim 4, wherein the transaction specification records contain compliance information relevant to the transactions. ### Claim 6 (depends on 1) The method of claim 1, further comprising initiating the send transaction in response to timing parameters, wherein the customer need take no additional initiation actions. ### Claim 7 (depends on 1) The method of claim 1, further comprising: awaiting customer contact; and receiving customer contact, wherein the customer proceeds with a transaction or changes the customer profile. ### Claim 8 (depends on 1) The method of claim 1, further comprising through data exchange with the settlement system, tracking debits from ATM withdrawals. ### Claim 9 A system comprising: an access portal configured to receive registration information and money transfer transaction specifications, the registration information identifying a payment source for staging a plurality of send transactions based on the money transfer transaction specifications; a database configured to store a customer profile based on the registration information, wherein the money transfer transaction specifications are stored in the customer profile; and a controller configured to: identify one of the money transfer transaction specifications stored in the customer profile in response to an initiation instruction and associated user authentication data, wherein the customer profile includes the staged send transactions defined in transaction specification records and the customer initiates one or more of the staged send transactions remotely with a mobile device; verify a status of the payment source for funding one of the staged send transactions, according to the identified money transfer transaction specification; and initiate the staged send transaction for delivery of a send amount, based on the payment source having available funds for the delivery at a time the send transaction is initiated; wherein the send amount is determined at the time the send transaction is initiated and is not included in the identified money transfer transaction specification; and wherein debits are tracked from the initiated transaction in the transaction specification records, for retail purchases at participating merchants. ### Claim 10 (depends on 9) The system of claim 9, wherein the access portal comprises a personal computer, mobile computer, mobile phone or personal data assistant. ### Claim 11 (depends on 10) The system of claim 10, wherein the authentication data comprise a digital signature stored on the mobile device or biometric data presented by the customer. ### Claim 12 (depends on 9) The system of claim 9, wherein debits are tracked from ATM withdrawals through data exchange with the settlement system. ### Claim 13 (depends on 9) The system of claim 9, further comprising coordinating credits to the payment source, whereby the payment source is a prepaid card. ### Claim 14 (depends on 9) The system of claim 9, wherein portal-based control over initiating the staged send transaction is configured into a security filter logic in the controller, the security filter logic adapted to prevent initiating the transaction based on the access portal and the authentication information. ### Claim 15 A method comprising: receiving registration information and money transfer transaction specifications from an access portal, the registration information identifying a payment source for staging a plurality of staged send transactions based on the money transfer transaction specifications; generating a customer profile based on the registration information; storing the money transfer transaction specifications in the customer profile; identifying the customer profile in response to an initiation instruction and associated authentication data received from a customer, wherein the customer profile includes the staged send transactions defined in transaction specification records and the customer uses the access portal to initiate one or more of the staged send transactions remotely, more than once, working with a mobile device; identifying one of the money transfer transaction specifications, based on the initiation instruction; verifying a status of the payment source for funding one of the staged send transactions, according to the identified money transfer transaction specification; initiating the staged send transaction for delivery of a send amount based on the status of the payment source at a time the send transaction is initiated; and through data exchange with a settlement system, tracking debits from the one or more initiated transactions in the transaction specification records, for retail purchases at participating merchants; wherein the send amount is set at a time of the initiation instruction and is not included in the identified money transfer transaction specification. ### Claim 16 (depends on 15) The method of claim 15, wherein the authentication data comprise a digital signature stored on the mobile device or biometric data presented by the customer. ### Claim 17 (depends on 15) The method of claim 15, further comprising the customer specifying for inclusion in the customer profile one or more transactions to initiate more than once, the transactions defined in the transaction specification records, the transaction specification records specifying a recipient and delivery options therefor. ### Claim 18 (depends on 15) The method of claim 15, further comprising through data exchange with the settlement system, tracking debits from ATM withdrawals. ### Claim 19 (depends on 15) The method of claim 15, further comprising coordinating credits to the payment source, whereby the payment source is a prepaid card. ### Claim 20 (depends on 15) The method of claim 15, further comprising configuring portal-based control over initiating the staged send transaction into a security filter logic adapted to prevent initiating the transaction based on the access portal and the authentication information.