Money transfer systems and methods
AssigneeThe Western Union Company
InventorsKurt Bulawa, Corey Allen Bohler, Dean A. Seifert, Thomas B. Sayor, Mark Baumgart, Erik S. Crawford
Life of this patent
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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.
Claims20
A method of facilitating money transfers, the method comprising:
- 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;
- receiving, at the money transfer system, an identifier for the money transfer record;
- 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.
A machine-readable medium have sets of instructions stored thereon which, when executed by a machine, cause the machine to:
- receive access to a customer's account;
- establish a money transfer record including a recipient and an amount;
- receive an identifier for the money transfer record;
- receive presentation of the identifier at an input device of the money transfer system;
- and
- authorize a money transfer associated with the money transfer record.
A method of facilitating money transfers, the method comprising:
- establishing, by a card processing host, a money transfer record associated with a money transfer card;
- making, by the card processing host, the money transfer card available for sale at a vendor location;
- receiving, from the vendor location, at the request of a sender, a money transfer activation request associated with the money transfer record, wherein the activation request includes an activation amount of money to be associated to the money transfer card;
- receiving, from the sender, the sender's and at least one receiver's personal identification information;
- receiving from the sender a fulfillment request wherein the fulfillment request comprises a request to transfer a first portion of the activation amount of money to the receiver;
- in response to the fulfillment request, sending, by the card processing host, a money transfer transaction identifier to the sender;
- authorizing, by a money transfer host system, a money transfer associated with the money transfer record to the receiver based on receipt of the money transfer transaction identifier;
- receiving from the sender a second fulfillment request, wherein the second fulfillment request comprises a request to transfer a second portion of the activation amount of money to a second receiver;
- and
- in response to the second fulfillment request, sending, by the money transfer host system, a second money transfer transaction identifier to the sender.
Dependencies are inferred from the claim text.