Direct payment with token

A computer-readable medium having computer-executable instructions for performing the computer-implementable method for transferring funds from the sender to one or more recipients using the wide-area computer network, the computer-readable medium comprising code for:

• receiving transfer information from the sender with the wide area computer network to transfer credit to from the sender to a recipient, wherein:
• the transfer information includes at least an identifier and a credit amount,
• the sender generates the identifier, and
• the identifier is unique to the recipient;
• determining if the transfer information is complete;
• sending a message to the recipient to request any missing transfer information, wherein the sending step comprises a step of providing electronic notification to the recipient that notifies the recipient that the transfer of funds is paused;
• pausing transfer of a transfer amount related to the credit amount if the transfer information is incomplete;
• receiving at least some information from the recipient to complete the transfer information;
• and
• completing transfer of the transfer amount after the transfer information is complete.

A method for transferring funds from a sender to a plurality recipients using a wide-area computer network, the method comprising:

• receiving transfer information from the sender with the wide area computer network to transfer credit from the sender to a plurality of recipients, wherein the transfer information for one of the plurality of recipients includes at least a unique identifier and a credit amount;
• determining if the one is required to authenticate an identity of the one;
• sending a message to the one to request authentication the identity of the one, wherein the sending step comprises a step of providing electronic notification to the one that notifies the one that the transfer of funds is paused;
• pausing transfer of a transfer amount related to the credit amount until the one authenticates the identity of the one;
• authenticating the one;
• and
• completing transfer of the transfer amount after any pause related to the pausing step.

The method for transferring funds from the sender to the plurality recipients using the wide-area computer network as recited in 20, wherein the trigger condition is selected from at least one of the following:

• receipt of the transfer amount from a particular sender;
• a credit balance in the stored value fund meeting a monetary threshold;
• or
• detection of a time event.

A method for transferring funds from a sender to a plurality recipients using a wide-area computer network, the method comprising:

• receiving transfer information from the sender with the wide area computer network to transfer credit from the sender to a plurality of recipients, wherein the transfer information for one of the plurality of recipients includes at least an unique identifier and a credit amount;
• determining if the transfer information is complete for one of the plurality of recipients;
• determining if the one is required to authenticate an identity of the one;
• electronically sending a message to the one to request at least one of any missing transfer information or authentication of the identity of the one;
• pausing transfer of a transfer amount related to the credit amount until at least one of:
• the transfer information is completed by the one, or
• the one authenticates the identity of the one;
• completing transfer of the transfer amount after any pause related to the pausing step, wherein the completing step comprises at least one of a following six steps:
• sending the transfer amount to a bank account,
• sending the transfer amount to a credit card or debit card,
• sending the transfer amount in a check or money order,
• sending the transfer amount to an agent location,
• sending the transfer amount in an electronic or a tangible gift certificate, or
• sending the transfer amount to a promotional program;
• and
• further comprising one or more of a following two steps:
• requiring the one have an account with a payment enabler, or
• requiring the one provide a user name and password to authenticate the identity, whereby authentication allows access to the account of the one.