# US 2014/0156435 A1 · Providing money transfer using a money transfer platform > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0156435 A1 - Document ID: US20140156435A1 - Status: Published application - Kind: A1 - Application number: 14/095,844 - Filed: 2013-12-03 - Published: 2014-06-05 - Earliest claimed: 2012-12-04 - Assignees: Pangea Universal Holdings, Inc. - Applicants: Pangea Universal Holdings, Inc. - Inventors: Rahier Rahman; Carson Junginger - Web page: https://patentgrep.com/patent/US20140156435A1 ## CPC - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/042: {characterized in that the payment protocol involves at least one cheque} - G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR} - G06Q 20/3255: {using mobile network messaging services for payment, e.g. SMS} - G06Q 20/381: {Currency conversion} - G06Q 20/385: {using an alias or single-use codes} - 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 ## Abstract The present disclosure describes methods, systems, and computer program products for providing funds transfer over an existing retail payment system using a money transfer platform. One method includes receiving a funds transfer request associated with a funds pack for transferring funds from a first location to a receiver in a second location, requesting validation of a unique identifier associated with the funds pack from a first-location payment network provider, receiving a validation success notification responsive to the requested validation of a unique identifier from the first payment network provider, generating a termination identifier identifying the funds transfer transaction request, transmitting the termination identifier to the receiver, providing instructions causing funds to be paid to the receiver upon presentation of the termination identifier, and receiving a request for funds from a second-location payment network provider, the request for funds associated with payment of funds based on presentation of the termination identifier. ## Claims ### Claim 1 A method of electronic funds transfer, comprising: receiving a funds transfer transaction request for transferring funds from a first location to a receiver in a second location, the funds transfer transaction request associated with a funds pack credited with an amount of funds; requesting, by operation of a computer, validation of a unique identifier associated with the funds pack from a first payment network provider associated with the first location; receiving, by operation of a computer, a validation success notification responsive to the requested validation of a unique identifier from the first payment network provider; generating, by operation of a computer, a termination identifier identifying the funds transfer transaction request; transmitting the termination identifier to the receiver; providing instructions, by operation of a computer, causing funds to be paid to the receiver upon presentation of the termination identifier; and receiving a request for funds from a second payment network provider associated with the second location, the request for funds associated with payment of funds based on presentation of the termination identifier. ### Claim 2 (depends on 1) The method of claim 1, further comprising initiating a fund-in process for the funds transfer transaction request using the funds pack. ### Claim 3 (depends on 1) The method of claim 1, further comprising transmitting geographic locations that may be used by the receiver to receive the funds. ### Claim 4 (depends on 3) The method of claim 3, wherein a mobile software application initiates a display of the transmitted geographic locations. ### Claim 5 (depends on 1) The method of claim 1, further comprising storing data regarding the termination identifier and data associated with the funds transfer transaction request. ### Claim 6 (depends on 1) The method of claim 1, further comprising: receiving the unique identifier associated with the funds pack and an amount of funds to credit to the funds pack; and storing the unique identifier and the amount of funds to credit to the funds pack to a database. ### Claim 7 (depends on 6) The method of claim 6, further comprising initiating a funds transfer process to transfer a particular amount of credited funds from the first location to the second location. ### Claim 8 (depends on 7) The method of claim 7, further comprising generating instructions to: convert the particular amount of credited funds into a different currency type; and credit the different currency type to the second payment network provider. ### Claim 9 A method of electronic funds transfer, comprising: receiving an indication of an interest in transferring funds from a sender at a first location to a receiver at a second location; receiving an indication of an initial funds transfer amount in a first currency for transfer to a receiver at the second location; identifying a currency exchange rate value for an exchange of a first currency used at the first location and a second currency used at the second location; converting, using the currency exchange rate, the initial funds transfer amount into an funds receiving amount as measured in the second currency; and communicating the funds receiving amount. ### Claim 10 (depends on 9) The method of claim 9, further comprising transmitting a funds transfer transaction request to a MTP transfer service, the funds transfer transaction request associated with a funds pack credited with an amount of funds for transfer from the first location to the receiver. ### Claim 11 (depends on 9) The method of claim 9, further comprising initiating a display of geographic locations available for the receiver to receive funds near the second location. ### Claim 12 (depends on 9) The method of claim 9, further comprising initiating a funds transfer transaction request for transferring funds from the first location to the receiver. ### Claim 13 (depends on 9) The method of claim 9, wherein the first currency is different than the second currency. ### Claim 14 (depends on 9) The method of claim 9, wherein the first location is in a country that is different than the country in which the second location is located. ### Claim 15 (depends on 9) The method of claim 9, further comprising identifying the currency to be used as the second currency transferred to the receiver at the second location. ### Claim 16 A method of electronic funds transfer, comprising: receiving from a point-of-sale (POS), by operation of a computer, a code associated with a fund-in transaction; receiving, by operation of a computer, a transfer amount and a unique transfer identifier; transmitting the transfer amount and the unique identifier to a money transfer platform (MTP) transfer service; receiving an activation response from the MTP transfer service, the activation response responsive to the MTP transfer service: validating, by a computer, the identified transfer; activating the transfer; and alerting a receiver uniquely identified by the unique transfer identifier; and transmitting an activation response to the POS. ### Claim 17 (depends on 16) The method of claim 16, wherein the code includes one of a linear code or a matrix code. ### Claim 18 (depends on 16) The method of claim 16, wherein the receiver is uniquely identified by at least one of a telephone number, an address, a government issued identifier, or an employer issued identifier. ### Claim 19 (depends on 16) The method of claim 16, further comprising the POS requesting and receiving the transfer amount responsive to receiving the code. ### Claim 20 (depends on 19) The method of claim 19, wherein the POS receives the code from a mobile computing device. ### Claim 21 (depends on 19) The method of claim 19, further comprising the POS processing the received code. ### Claim 22 (depends on 16) The method of claim 16, wherein the MTP transfer service exposes an application programming interface (API) for receiving a request containing the code.