The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pai
The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair. In this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
대표청구항▼
What is claimed is: 1. A method of processing money transfers, the method comprising: receiving, by a host computer system from a vendor location, a request for a transfer pair verification; verifying, by the host computer system, the transfer pair is associated with a valid transfer pair record; s
What is claimed is: 1. A method of processing money transfers, the method comprising: receiving, by a host computer system from a vendor location, a request for a transfer pair verification; verifying, by the host computer system, the transfer pair is associated with a valid transfer pair record; sending, by the host computer system, the transfer pair verification to the vendor location; receiving, by the host computer system, a money transfer request associated with the transfer pair from the vendor location, wherein the money transfer request comprises a money transfer amount; authorizing, by the host computer system, a money transfer to at least one of a first and second customers associated with the transfer pair; sending, by the host computer system, a money transfer fee amount to be collected from at least the first customer, wherein the money transfer fee amount is based on a money transfer fee schedule; and wherein the money transfer fee comprises a vendor fee and a host system fee. 2. The method as in claim 1 further comprising establishing the transfer pair record associated with the first customer and the second customer. 3. The method as in claim 2 wherein establishing the transfer pair record comprises: verifying the identity of at least one of the first and second customers; receiving first and second customer information and creating a database record thereof; and providing a transfer pair code to at least one of the first and second customers. 4. The method as in claim 3 wherein the transfer pair code comprises a money transfer recipient designator. 5. The method as in claim 3 wherein the transfer pair code comprises a string of alphanumeric characters. 6. The method as in claim 1 wherein the vendor location comprises a retail outlet. 7. The method as in claim 1 wherein sending the transfer pair verification further comprises sending a fee request to the vendor location. 8. The method as in claim 1 further comprising receiving a payment record corresponding to the money transfer request. 9. The method as in claim 1 further comprising dispensing the money associated with the money transfer request to the first or second customer. 10. The method as in claim 9 further comprising receiving a transfer pair code associated with the transfer pair from the first or second customer prior to the dispensing of the money. 11. The method as in claim 1 wherein the money transfer amount comprises a fixed amount associated with the transfer pair. 12. The method as in claim 1 wherein the money transfer fee amount is based on a sliding scale of the money transfer amount. 13. The method as in claim 1 wherein the money transfer fee amount is a based on a percentage of the money transfer amount. 14. A method of facilitating money transfers by a customer at a vendor, the method comprising: receiving, by a host computer system, a money transfer request from a first customer, wherein the money transfer request comprises a money transfer amount; receiving, by the host computer system, a transfer pair code from the first customer; sending, by the host computer system, a request for a transfer pair verification to a host computer; receiving, by the host computer system, the transfer pair verification from the host computer; receiving, by the host computer system, a payment from the first customer for transfer to a second customer associated with the transfer pair code, wherein the payment comprises a money transfer fee that is determined according to a money transfer fee schedule; and sending, by the host computer system, a record of the money transfer request and the payment to the host computer. 15. The method as in claim 14 further comprising providing a receipt to the first customer. 16. The method as in claim 14 further comprising receiving a purchase request for a consumer item from the first customer, and wherein the payment comprises a first payment portion associated with the consumer item and a second payment portion associated with the money transfer request. 17. The method as in claim 16 wherein the payment further comprises a third payment portion associated with a money transfer fee. 18. The method as in claim 14 wherein the money transfer fee comprises a percentage of the money transfer amount. 19. The method as in claim 14 wherein the money transfer fee comprises a fee based on a sliding scale of the money transfer amount. 20. A system for processing money transfers, comprising: a host computer comprising a processor coupled to a database and a memory; wherein the memory is configured to store sets of instructions which, when executed by the processor, cause the processor to: receive a request to verify a transfer pair from a point-of-sale device; verify the transfer pair is associated with a valid transfer pair record; send a transfer pair verification to the point-of-sale device; receive a money transfer request associated with the transfer pair from the point-of-sale device, wherein the money transfer request comprises a money transfer amount; authorize a money transfer to at least one of a first customer and a second customer associated with the transfer pair; and send a money transfer fee amount to the point-of-sale device, wherein the money transfer fee amount is determined according to a money transfer fee schedule. 21. The system as in claim 20 wherein the host computer further comprises code for establishing the transfer pair record associated with the first customer and the second customer. 22. The system as in claim 20 wherein the host computer further comprises code for receiving first and second customer information and creating a database record thereof to include a transfer pair code. 23. The system as in claim 22 wherein the host computer further comprises code for providing the transfer pair code to at least one of the first and second customers. 24. The system as in claim 20 wherein the money transfer fee amount is based on a sliding scale of the money transfer amount. 25. The system as in claim 20 wherein the money transfer fee amount is a based on a percentage of the money transfer amount. 26. A system for processing money transfers, comprising: a host computer comprising a processor coupled to a database; a point-of-sale (POS) device integrated in a merchant computer network, wherein the POS device is coupled to the host computer and the POS device is configured to receive a request to verify a transfer pair and transmit the request to the host computer; and wherein the host computer is configured to verify the transfer pair is associated with a valid transfer pair record and send a transfer pair verification to the POS device; wherein the POS device is further configured to send a money transfer request associated with the transfer pair to the host computer, wherein the money transfer request comprises a money transfer amount; and wherein the host computer is further configured to authorize a money transfer to at least one of a first customer and a second customer associated with the transfer pair. 27. The system as in claim 26, wherein the host computer is further configured to send a money transfer fee amount to the POS device, wherein the money transfer fee amount is determined according to a money transfer fee schedule. 28. The system as in claim 27, wherein the money transfer fee schedule comprises deducting the money transfer fee amount from the money transfer amount. 29. The system as in claim 27, wherein the money transfer fee schedule comprises adding the money transfer fee amount to the money transfer amount. 30. The system as in claim 27, wherein the money transfer fee schedule comprises determining the money transfer fee amount based on a percentage of the money transfer amount. 31. The system as in claim 27, wherein the money transfer fee is paid by either the host computer operator or the merchant. 32. The system as in claim 26, wherein at least one of the first and second customers associated with the transfer pair is a pre-authorized customer. 33. The system as in claim 32, wherein transactions occur between pre-authorized customers by collecting less information than customers that are not pre-authorized. 34. The system as in claim 26, wherein the POS device is further configured to present a list of transfer pairs based on a history for a customer and to allow the customer to select from the list of transfer pairs to establish a new money transfer. 35. A method of processing money transfers, the method comprising: receiving, by a host computer system, from a sender, a request for a transfer pair verification, wherein the request includes a request to establish a recurring money transfer associated with the transfer pair, wherein the request to establish a recurring money transfer includes a recurrence schedule; verifying, by the host computer system, the transfer pair is associated with a valid transfer pair record; establishing, by the host computer system, a recurring money transfer for the transfer pair based on the recurrence schedule; sending, by the host computer system, the transfer pair verification to the vendor location; and authorizing, by the host computer system, money transfers to a recipient associated with the transfer pair based on the recurrence schedule. 36. The method as in claim 35, wherein the recurrence schedule comprises one or more of the following: a monthly transfer schedule, a bi-monthly transfer schedule, and a weekly transfer schedule. 37. The method as in claim 35, further comprising verifying the identify of at least one of the sender and the recipient. 38. The method as in claim 35, further comprising in response to verifying the transfer pair, sending the sender a notification indicating that the transfer pair has been verified. 39. The method as in claim 35, further comprising in response to authorizing at least one of the money transfers, sending the recipient a notification indicating that the money transfer has been authorized.
연구과제 타임라인
LOADING...
LOADING...
LOADING...
LOADING...
LOADING...
이 특허에 인용된 특허 (249)
Eugene A. Woynoski ; Carol A. Caldwell ; Wayne A. Beeder ; George Jensen, ATM phone card system.
Sutcliffe Peter H. (16 Brewery Yard Fennay Bridge ; Huddersfield GB3 HD8 0AR) Smith Peter (Ingleby Cottage Kearby ; Near Wetherby GB3 LS22 4BU), Apparatus and method for receiving and processing a bet.
Tsakanikas Peter J. (3080 N. Course Dr. Bldg. 51 ; #108 Palm-Aire Country Club of Florida Pompano Beach FL 33069), Apparatus, method and system for printing of legal currency and negotiable instruments.
Higashiyama Connie (Redwood City CA) Melton William (Herndon VA) Narasimhan Ashok (Los Altos CA), Check system and method including prioritizing checks for transmission to banks for processing.
Tarter Fred B. (Armonk NY) Greene Jeffrey M. (New York NY) De Fazio Thomas J. (New York NY) Peck Jan (Glendale AZ) Wylie L. Stephen (Scottsdale AZ) Magnotte Mark M. (Woodbridge NJ) Hall Del (Phoenix , Computerized healthcare accounts receivable purchasing collections securitization and management system.
Rose Marshall T. ; Stein Lee H. ; Borenstein Nathaniel S. ; Lowery Carlyn M. ; New Darren ; Stefferud Einar, Computerized payment system for purchasing goods and services on the internet.
Stein Lee H. ; Stefferud Einar A. ; Borenstein Nathaniel S. ; Rose Marshall T., Computerized system for facilitating transactions between parties on the internet using e-mail.
Stein Lee H. ; Stefferud Einar A. ; Borenstein Nathaniel S. ; Rose Marshall T., Computerized system for making payments and authenticating transactions over the internet.
Dent Warren T. ; Kaethler Judy ; Remington Darren B. ; Saliba Bassam, Consumer-based system and method for managing and paying electronic billing statements.
Brody Bill E. (9254 Forest La. ; Apt. 904 Dallas ; Dallas County TX 75243) Tannenbaum David H. (14860 Oaks North Pl. Addison ; Dallas County TX 75001), Currency transfer system and method using fixed limit cards.
Moderi Martin J. (Glen Ellyn IL) Matsumoto Shigeharu (Tokyo IL JPX) Bouzide Paul M. (Chicago IL) Tsau Yung-Chun (Oak Brook IL) Kristiansen Inge B. (Pasadena CA) Castor Patrick F. (Naperville IL) Nels, Data processing system and method for retail stores.
Hilt James J. (Daly City CA) Hodges Ron (San Ramon CA) Pardue Stephen W. (Half Moon Bay CA) Powar William L. (Palo Alto CA), Electronic bill pay system.
James J. Hilt ; Ron Hodges ; Stephen W. Pardue ; William L. Powar, Electronic bill pay system for consumers to generate messages directing financial institutions to pay a biller's bill.
Schlect Ed ; Crooks Gerry ; Genzberger Janna ; Kurtz Rick ; Feichtner Mark ; Kippenhan Larry ; Gordon Jody ; Ziegler Thada, Electronic bill presenting methods and bill consolidating methods.
Braun Edward L. (4169 Via Marinia ; #412 Marina del Rey CA 90291) Thomson Eric A. (No. 7 Harrisburg Irvine CA 92714), Financial data processing system.
Walker Jay S. ; Schneier Bruce ; Jorasch James A., Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven cond.
Bartoli Paul D. ; Griesmer Stephen J. ; Lidor Gideon ; Ronen Yzhak ; Tessier Jean, Method and apparatus for billing for transactions conducted over the internet.
Tackbary Mary Thomasma ; Friedrich Dan G., Method and apparatus for communicating with a card distribution center for management, selection, and delivery of socia.
Tackbary Mary T. (2880 Orange Brace Riverwoods IL 60015) Friedrich Dan G. (Chicago IL), Method and apparatus for communicating with a card distribution center for management, selection, and delivery of social.
Levine Jack (Agoura Hills CA) Brandt Priscilla C. (San Mateo CA) Jackson Nydia (Redwood City CA) Johnson David L. (Woodside CA) Clark Helen (Mill Valley CA), Method and apparatus for distributing currency.
O'Brien Michael F. ; Off George W. ; Cherney Timothy L. ; Katz Gary M., Method and apparatus for selective distribution of discount coupons based on prior customer behavior.
Bansal Pradeep K. ; Begeja Lee ; Durkee Edward Chapman ; Farah Jeffrey Joseph ; Kapadia Rajesh ; Ramage John Gerow ; Stern Benjamin J., Method and apparatus for transferring money via a telephone call.
Alcorn Allan E. ; Hale Richard L., Method and apparatus using geographical position and universal time determination means to provide authenticated, secure, on-line communication between remote gaming locations.
Biorge James E. ; Hauge Richard T. ; Svigals Jerome, Method and system for allocating and redeeming incentive credits between a portable device and a base device.
Walker Jay S. ; Tedesco Daniel E. ; Van Luchene Andrew S. ; Jorasch James A., Method and system for controlling authorization of credit card transactions.
Huang Dorge O. (3540 S. Parnell ; 1st Flr. Chicago IL 60609-1727) Peterson Robert B. (603 S. Wesley Oak Park IL 60304), Method and system for payment and payment verification.
O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments using the electronic funds transfer network.
Downing John,GBX ; Hernandez William M. ; Hooper William D. ; Meiroff Netty ; Rao Jaithirth ; Reef Rodman ; Schechtman Howard A. ; Horowitz Edward, Method and system for transferring funds from an account to an individual.
Schutzer Daniel ; Forster ; Jr. William Hull,NLX ; Hu Huanrui ; Lee Wenke ; Stolfo Salvatore J. ; Fan Wei, Method and system for using intelligent agents for financial transactions, services, accounting, and advice.
Gallery Stanley A. (Golden CO) Schultz Timothy R. (Colorado Springs CO), Mobile merchandising business management system which provides comprehensive support services for transportable business.
Fernando Llavanya ; Rafii Abbas ; Williams Nicholas ; Bunn Eric A. ; Valliani Aziz, Modular signature and data-capture system and point of transaction payment and reward system.
Elliott John C. (Summit NJ) O\Connell James A. (Short Hills NJ) Ladouceur Lawrence (Scarsdale NY) Altman William (Lower Paxton PA) Jarett Keith (Oakland CA), Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer.
Carlson Steven R. (417 2nd Ave. Beach ND 58621) Carlson Paul R. (417 2nd Ave. Beach ND 58621), Point-of-sale device particularly adapted for processing checks.
Campo James A. (Brunswick OH) Anderson Fred J. (Wooster OH) Embree Donald M. (Uniontown OH) Hofstetter Charles J. (Aurora OH) Sloan Donald I. (Stow OH), Portable point of sale terminal.
Randle William ; Ercole Richard ; Geer Terry L. ; James David L. ; Fredelake Jodie M. ; Roman Dennis ; Fontana Fabio ; Bartlett Rick ; Rosenberg Ruth ; Murphy Robert W. ; Tran Tuong T. ; Lampru Paul, Real time bank-centric universal payment system.
Carter John B. ; Davis Scott H. ; Abraham William ; Frank Steven J. ; Hansen Thomas G. ; Phillips Robert S. ; Dietterich Daniel J. ; Porter David, Shared memory computer networks.
Mandler Maria M. ; McLaughlin Ann P. ; Battenfelder Robert R. ; Rouen James E. ; Orbach Levi Y. ; Benson Carol ; Engber Marjorie ; Nevens James E. ; Krajewski William Joseph ; Moody Carol A. Baldwin , System and method for a risk-based purchase of goods.
Marcous Neil P. (Mountain Lakes NJ) Brant Michael J. (Mountain Lakes NJ) Rosenzweig Michael J. (Morris Plains NJ), System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds.
Gregory D. Linden ; Michael D. McDaniel ; Ryan J. Snodgrass ; Joel R. Spiegel, System and method for providing secure URL-based access to private resources.
Richard Bissonette ; Christopher Royal Corrie ; William Lee Wingate, III, System integrating credit card transactions into a financial management system.
Williams Humphrey ; Hughes Kevin ; Parmar Bipinkumar G., System, method and article of manufacture for network electronic authorization utilizing an authorization instrument.
Stoutenburg, Earney; Mollett, Cassandra J.; Price, James; Fillinger, Charles A.; Nelson, Eric M.; Seifert, Dean A.; Singleton, Jeffrey, Systems and methods for deploying a point-of sale device.
Stoutenburg, Earney; Mollett, Cassandra J.; Price, James; Fillinger, Charles A.; Nelson, Eric M.; Seifert, Dean A.; Singleton, Jeffrey, Systems and methods for utilizing a point-of-sale system.
Thomas George F. ; Wood Albert G. ; Pawelczyk Joseph S. ; Cotton Robert M., Trusted third party data structure for electronic funds transfer and bill presentment.
Kochis Gary ; Embree Donald ; Meyerson Robert F. ; Lewis Calvin E., Workslate computer having modular device docking stations on horizontal and vertical side portions.
Allgeier, David M.; Jones, Jr., Floyd; Protheroe, Robert L.; Crooks, John F., Write input credit transaction apparatus and method with paperless merchant credit card processing.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.