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
Estimating the term…
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.
Claims31
-20. (canceled)
A method of facilitating money transfers, the method comprising:
- establishing a money transfer record associated with a money transfer package;
- making the money transfer package available for sale at a vendor location, the money transfer package denominating an amount of money associated with the money transfer package;
- receiving a money transfer activation request associated with the money transfer package, the activation request including an activation amount of money to be associated to the money transfer card;
- receiving from a sender a money transfer fulfillment request, the money transfer fulfillment request comprising:
- a request to transfer a first portion of the amount of money to a first receiver;
- the sender's personal identification information;
- and
- the first receiver's personal identification information;
- in response to the money transfer fulfillment request, providing a money transfer transaction identifier to the sender;
- authorizing payment of a money transfer associated with the money transfer record to the first receiver based on receipt of the money transfer transaction identifier from the first receiver;
- receiving from the sender a second money transfer fulfillment request, the second money transfer fulfillment request comprising:
- a request to transfer a second portion of the amount of money to a second receiver;
- and
- the second receiver's personal identification information;
- in response to the second money transfer fulfillment request, providing a second money transfer transaction identifier to the sender;
- and
- authorizing payment of a second money transfer associated with the money transfer record to the second receiver based on receipt of the second money transfer transaction identifier from the second receiver.
A method of facilitating money transfers, the method comprising:
- providing a money transfer package available for sale at a vendor location, the money transfer package including:
- a label or tag readable by a point of sale device at the vendor location to charge a customer for purchase of the money transfer package;
- and
- a code of characters hidden by the money transfer package;
- receiving a fulfillment request from a sender via a website, the fulfillment request including the following information input by the sender:
- the sender's personal identification information;
- a receiver's personal identification information;
- and
- the code of characters
- in response to the fulfillment request, sending a money transfer transaction identifier to the sender via the website;
- and
- authorizing payment of a money transfer to the receiver based on receipt of the money transfer transaction identifier from the receiver.
A method of facilitating money transfers, the method comprising:
- providing a money transfer package, the money transfer package being available for sale at a vendor location and the money transfer package including:
- a label or tag readable by a point of sale device at the vendor location to charge a customer for purchase of the money transfer package;
- and
- a code that is hidden by the money transfer package;
- receiving from a sender via a website, the sender's personal identification information;
- receiving a receiver's personal identification information from the sender via the website;
- receiving the code from the sender via the website;
- sending a money transfer transaction identifier to the sender via the website;
- and
- authorizing payment of a money transfer to the receiver based on receipt of the money transfer transaction identifier from the receiver.
Dependencies are inferred from the claim text.