Abstract

Systems, methods, and computer-readable storage media configured to facilitate execution of transactions via a money transfer network are disclosed. During execution of the transactions, tokenized identity information may be utilized when exchanging transaction data between geographically distributed nodes of the money transfer network and the transactions are recorded to a distributed ledger maintained by the nodes. Smart contracts may be utilized to digitally sign transactions at various stages of transaction processing, such as at different stages of regulatory compliance validation and to authenticate the validity of the requested transaction (e.g., prevent double-spends). Utilizing tokenized identity information may reduce the likelihood that personally identifiable information (PII data) is obtained by or inadvertently provided to unauthorized third parties or systems. Additionally, the distributed ledger may record information in immutable records, thereby increasing the reliability and trustworthiness (e.g., for auditing purposes) of the data stored on the distributed ledger.

IPC Classes  ?

• G06Q 20/08 - Payment architectures
• G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

Abstract

Systems and methods described herein for automated cross-border settlement transactions, the system comprising: a trading platform network coupled to a plurality of settlement solution networks; and an autonomous bot configured to execute a plurality of instructions for: executing a scheduler to convert a plurality of user requirements and system requirements into a target schedule; executing a plurality of settlement transactions via the settlement solutions using the trading platform; determining a differential between the executed settlement transactions and the target schedule; and modifying the execution of future settlement transactions if the differential is greater than a predefined threshold.

IPC Classes  ?

• G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• G06F 16/951 - Indexing; Web crawling techniques

Abstract

A computer is configured to facilitate prefunding a number of money transfer transaction fees. Each prefunded money transfer transaction fee is usable to pay for a transaction fee associated with a future money transfer send transaction. The computer is further configured to charge an amount for each prefunded money transfer transaction fee based on the number of money transfer transaction fees prefunded. A server connected to the computer is configured to store information related to the prefunded money transfer transaction fees.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 10/00 - Administration; Management
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Goods & Services

Downloadable mobile applications for money transfer transactions, payment processing, debit transaction processing, and virtual currency and digital currency exchange, transmission, transaction processing; computer hardware and software for processing payment, currency and money transfer transactions; software for financial services, namely, software to process electronic funds transfer, bill payment, official check processing and issuance, bill payment tracking, analysis and reporting, virtual currency and digital currency exchange, transmission, transaction processing and related manuals; magnetic coded cards for banking and debit card services; point of sale (POS) equipment for financial services, namely, terminals and printers Providing on-line non-downloadable software for money transfer transactions, payment processing and debit transaction processing, and virtual currency and digital currency exchange, transmission, transaction processing; Software as a service (SaaS) featuring software for currency and money transfer transactions, payment processing and debit transaction processing; Platform as a Service (PaaS) featuring software for currency and money transfer transactions, payment processing and debit transaction processing, bill payment tracking, analysis and reporting, virtual currency and digital currency exchange, transmission, transaction processing; user authentication services using technology for e-commerce transactions; updating of computer software; electronic monitoring of personally identifying information to detect identity theft via the internet

Goods & Services

Downloadable mobile applications for money transfer transactions, payment processing, debit transaction processing, and virtual currency and digital currency exchange, transmission, transaction processing; computer hardware and software for processing payment, currency and money transfer transactions; software for financial services, namely, software to process electronic funds transfer, bill payment, official check processing and issuance, bill payment tracking, analysis and reporting, virtual currency and digital currency exchange, transmission, transaction processing and related manuals; magnetic coded cards for banking and debit card services; point of sale (POS) equipment for financial services, namely, terminals and printers Providing on-line non-downloadable software for money transfer transactions, payment processing and debit transaction processing, and virtual currency and digital currency exchange, transmission, transaction processing; Software as a service (SaaS) featuring software for currency and money transfer transactions, payment processing and debit transaction processing; Platform as a Service (PaaS) featuring software for currency and money transfer transactions, payment processing and debit transaction processing, bill payment tracking, analysis and reporting, virtual currency and digital currency exchange, transmission, transaction processing; user authentication services using technology for e-commerce transactions; updating of computer software; electronic monitoring of personally identifying information to detect identity theft via the internet

Abstract

Systems and methods described herein for automated cross-border settlement transactions, the system comprising: a trading platform network coupled to a plurality of settlement solution networks; and an autonomous bot configured to execute a plurality of instructions for: executing a scheduler to convert a plurality of user requirements and system requirements into a target schedule; executing a plurality of settlement transactions via the settlement solutions using the trading platform; determining a differential between the executed settlement transactions and the target schedule; and modifying the execution of future settlement transactions if the differential is greater than a predefined threshold.

IPC Classes  ?

• G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• G06F 16/951 - Indexing; Web crawling techniques

Abstract

Systems and methods which utilize one or more social networking systems when creating, funding, and/or notifying a party of a transaction are provided. In accordance with one aspect, a money transfer transaction may be staged by a user whereupon a link corresponding to the staged transaction may be posted to one or more social networking services in order to allow for multiple users to access and fund the staged transaction. Additionally, in some aspects a user of a social networking service may generate a comment or post which then automatically triggers the staging of a money transfer transaction. Moreover, social networking services may be utilized to provide various notifications regarding money transfer transactions.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 50/00 - Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
• G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
• G06Q 20/14 - Payment architectures specially adapted for billing systems
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices

Abstract

The present disclosure describes systems, methods, and computer-readable storage media implementing techniques for providing split control of an execution environment. According to aspects of the disclosure, a first entity may be configured to exert control over presentation related aspects (e.g., the look and feel) of services provided by a second entity, while the second entity may exert control over backend processing and execution of the services. To facilitate the different portions of the split control, one or more servers may be configured to provide a first execution layer, a second execution layer, and a second execution layer control panel. The first execution layer may perform operations for executing the provisioning of the service. The second execution layer may perform operations for presenting the computing/execution environment for providing the service, and the second execution environment control panel may provide the first entity to customize/modify presentation related aspects of the computing/execution environment.

IPC Classes  ?

• G06F 15/177 - Initialisation or configuration control
• H04L 41/0803 - Configuration setting
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• H04L 67/02 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
• H04L 67/125 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks involving control of end-device applications over a network
• G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

Systems and methods described herein for automated cross-border settlement transactions, the system comprising: a trading platform network coupled to a plurality of settlement solution networks; and an autonomous bot configured to execute a plurality of instructions for: executing a scheduler to convert a plurality of user requirements and system requirements into a target schedule; executing a plurality of settlement transactions via the settlement solutions using the trading platform; determining a differential between the executed settlement transactions and the target schedule; and modifying the execution of future settlement transactions if the differential is greater than a predefined threshold.

IPC Classes  ?

• G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• G06F 16/951 - Indexing; Web crawling techniques

Abstract

Systems, methods, and computer-readable media for providing standards compliant encryption, storage, and retrieval of data are disclosed. In an embodiment, data is received at a first data center from a first device in connection with a service request and encrypted to produce encrypted data. The encrypted data may be transmitted from the first data center to the first device, and then may subsequently be received at a second data center. The second data center may store the encrypted data in a database accessible to the second data center. Because all data provided to the system is encrypted by the first data center prior to being stored and/or provided to the second data center, the database and the second data center may be out of the scope of compliance monitoring, auditing, and reporting for one or more data security standards.

IPC Classes  ?

• H04L 9/40 - Network security protocols
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06F 16/22 - Indexing; Data structures therefor; Storage structures
• G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems

Abstract

A system and method is disclosed for evaluating a plurality of cryptocurrencies, the method comprising monitoring and storing volatility data for a plurality of cryptocurrency exchanges; analyzing the stored volatility data to generate one or more risk forecasts indicating risks associated with purchasing cryptocurrency through each of the cryptocurrency exchanges; determining a number of transaction factors for purchasing cryptocurrencies and selecting a cryptocurrency based on the transaction factors.

IPC Classes  ?

• G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• G06F 16/951 - Indexing; Web crawling techniques
• G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 30/018 - Certifying business or products

Abstract

Systems, methods, and computer-readable storage media configured to facilitate execution of transactions via a money transfer network are disclosed. During execution of the transactions, tokenized identity information may be utilized when exchanging transaction data between geographically distributed nodes of the money transfer network and the transactions are recorded to a distributed ledger maintained by the nodes. Smart contracts may be utilized to digitally sign transactions at various stages of transaction processing, such as at different stages of regulatory compliance validation and to authenticate the validity of the requested transaction (e.g., prevent double-spends). Utilizing tokenized identity information may reduce the likelihood that personally identifiable information (PII data) is obtained by or inadvertently provided to unauthorized third parties or systems. Additionally, the distributed ledger may record information in immutable records, thereby increasing the reliability and trustworthiness (e.g., for auditing purposes) of the data stored on the distributed ledger.

IPC Classes  ?

• G06Q 20/08 - Payment architectures
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules

Abstract

Embodiments of the present disclosure provide a money transfer network system that improves the performance of money transfer services provided via the money transfer network system and improves the performance of the underlying devices utilized to provide money transfer services. In particular, disclosed embodiments of a money transfer network system provide money transfer services that enable multiple users to engage in money transfer transactions as either a sending party or a receiving party in a manner that is similar to money transfer transactions executed between two users individually. Disclosed embodiments further enable a receiving party to request payment from a sending party, which may include scheduling recurring payments to be made via money transfer transactions.

IPC Classes  ?

• G06Q 20/22 - Payment schemes or models
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

A method of staging a transaction includes receiving transaction information including a transaction type selection, a send amount, sender and recipient information, and compliance data. A staging record is generated responsive to the transaction information including at least a retrieval key to identify the staging record and a transaction type identifier expressing the transaction type selection. The transaction type selection is detected from the staging record, which is sent to an agent terminal set up to handle the transaction. The method further includes providing instructions for fulfillment of the transaction at the agent terminal. The transaction is rejected if the retrieval key does not lead to the staging record and the transaction proceeds if the retrieval key leads to the staging record. The transaction proceeds if the send amount and compliance data are consistent with applicable compliance rules and the transaction is rejected if the compliance rules are not met.

IPC Classes  ?

• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/14 - Payment architectures specially adapted for billing systems
• G06Q 30/018 - Certifying business or products

Abstract

Systems and methods which utilize one or more social networking systems when creating, funding, and/or notifying a party of a transaction are provided. In accordance with one aspect, a money transfer transaction may be staged by a user whereupon a link corresponding to the staged transaction may be posted to one or more social networking services in order to allow for multiple users to access and fund the staged transaction. Additionally, in some aspects a user of a social networking service may generate a comment or post which then automatically triggers the staging of a money transfer transaction. Moreover, social networking services may be utilized to provide various notifications regarding money transfer transactions.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
• G06Q 20/14 - Payment architectures specially adapted for billing systems
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 50/00 - Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism

Abstract

The present disclosure describes systems, methods, and computer-readable storage media implementing techniques for providing split control of an execution environment. According to aspects of the disclosure, a first entity may be configured to exert control over presentation related aspects (e.g., the look and feel) of services provided by a second entity, while the second entity may exert control over backend processing and execution of the services. To facilitate the different portions of the split control, one or more servers may be configured to provide a first execution layer, a second execution layer, and a second execution layer control panel. The first execution layer may perform operations for executing the provisioning of the service. The second execution layer may perform operations for presenting the computing/execution environment for providing the service, and the second execution environment control panel may provide the first entity to customize/modify presentation related aspects of the computing/execution environment.

IPC Classes  ?

• H04L 41/0803 - Configuration setting
• H04L 67/125 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks involving control of end-device applications over a network
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• H04L 67/02 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
• G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

Abstract

Systems, methods, and computer-readable storage media configured to facilitate execution of transactions via a money transfer network are disclosed. During execution of the transactions, tokenized identity information may be utilized when exchanging transaction data between geographically distributed nodes of the money transfer network and the transactions are recorded to a distributed ledger maintained by the nodes. Smart contracts may be utilized to digitally sign transactions at various stages of transaction processing, such as at different stages of regulatory compliance validation and to authenticate the validity of the requested transaction (e.g., prevent double-spends). Utilizing tokenized identity information may reduce the likelihood that personally identifiable information (PII data) is obtained by or inadvertently provided to unauthorized third parties or systems. Additionally, the distributed ledger may record information in immutable records, thereby increasing the reliability and trustworthiness (e.g., for auditing purposes) of the data stored on the distributed ledger.

IPC Classes  ?

• G06Q 20/00 - Payment architectures, schemes or protocols

Abstract

Systems, methods, and computer-readable media for providing standards compliant encryption, storage, and retrieval of data are disclosed. In an embodiment, data is received at a first data center from a first device in connection with a service request and encrypted to produce encrypted data. The encrypted data may be transmitted from the first data center to the first device, and then may subsequently be received at a second data center. The second data center may store the encrypted data in a database accessible to the second data center. Because all data provided to the system is encrypted by the first data center prior to being stored and/or provided to the second data center, the database and the second data center may be out of the scope of compliance monitoring, auditing, and reporting for one or more data security standards.

IPC Classes  ?

• H04L 29/06 - Communication control; Communication processing characterised by a protocol
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06F 16/22 - Indexing; Data structures therefor; Storage structures
• G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems

Goods & Services

Money transfer services; electronic funds transfer services; automated clearing house (ACH) transaction processing services; processing payments to third parties; direct debit account services in the nature of debit transaction processing services provided via mobile applications and a website; electronic credit and debit transactions; electronic debit card and credit card transaction processing.

Abstract

Embodiments of the present disclosure provide a money transfer network system that improves the performance of money transfer services provided via the money transfer network system and improves the performance of the underlying devices utilized to provide money transfer services. In particular, disclosed embodiments of a money transfer network system provide money transfer services that enable multiple users to engage in money transfer transactions as either a sending party or a receiving party in a manner that is similar to money transfer transactions executed between two users individually. Disclosed embodiments further enable a receiving party to request payment from a sending party, which may include scheduling recurring payments to be made via money transfer transactions.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/22 - Payment schemes or models
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

Embodiments of the present disclosure provide a computer and network architecture configured to provide one or more travel services to users. The one or more travel services may enable the user to obtain funds in the event that the user's financial cards and/or cash are lost or stolen while the user is travelling. Additionally, the one or more travel services may enable the user to obtain a temporary form of identification if the user's passport or other form of identification are lost or stolen while travelling. Other travel services may that may be provided include a financial card cancellation service, a credit bureau alert service, a prepaid card service, or other services that enable a user to recover from an emergency situation that arises while the user is travelling.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 50/14 - Travel agencies
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Abstract

A computer is configured to facilitate prefunding a number of money transfer transaction fees. Each prefunded money transfer transaction fee is usable to pay for a transaction fee associated with a future money transfer send transaction. The computer is further configured to charge an amount for each prefunded money transfer transaction fee based on the number of money transfer transaction fees prefunded. A server connected to the computer is configured to store information related to the prefunded money transfer transaction fees.

IPC Classes  ?

• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 10/00 - Administration; Management

Abstract

A method of staging a transaction includes receiving transaction information including a transaction type selection, a send amount, sender and recipient information, and compliance data. A staging record is generated responsive to the transaction information including at least a retrieval key to identify the staging record and a transaction type identifier expressing the transaction type selection. The transaction type selection is detected from the staging record, which is sent to an agent terminal set up to handle the transaction. The method further includes providing instructions for fulfillment of the transaction at the agent terminal. The transaction is rejected if the retrieval key does not lead to the staging record and the transaction proceeds if the retrieval key leads to the staging record. The transaction proceeds if the send amount and compliance data are consistent with applicable compliance rules and the transaction is rejected if the compliance rules are not met.

IPC Classes  ?

• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/14 - Payment architectures specially adapted for billing systems
• G06Q 30/00 - Commerce

Goods & Services

Administration of a customer loyalty program which provides cash, discounts and other financial incentives if customers transfer money as part of a customer loyalty program; customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes.

Goods & Services

Administration of a customer loyalty program which provides cash, discounts and other financial incentives if customers transfer money as part of a customer loyalty program; customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes.

Abstract

A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.

IPC Classes  ?

• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/04 - Payment circuits
• G07G 5/00 - Receipt-giving machines
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Goods & Services

(1) Administration of a customer loyalty program which provides cash, discounts and other financial incentives if customers transfer money as part of a customer loyalty program; Customer loyalty services for commercial, promotional and advertising purposes, namely, administration of a customer loyalty program for enabling participants to obtain discounts and other benefits on goods and services through use of a membership number.

Goods & Services

(1) Administration of a customer loyalty program which provides cash, discounts and other financial incentives if customers transfer money as part of a customer loyalty program; Customer loyalty services for commercial, promotional and advertising purposes, namely, administration of a customer loyalty program for enabling participants to obtain discounts and other benefits on goods and services through use of a membership number.

Abstract

Systems and methods for implementing blockchain-based money transfer transactions between a sending party and a receiving party are disclosed. The money transfer transactions may utilize one or more cryptocurrency transactions. The disclosed systems and methods may identify optimum cryptocurrencies and/or cryptocurrency exchanges to be used to facilitate the money transfer transactions, and may utilize aggregation techniques and/or forecasting techniques to more efficiently handle money transfer transactions. The disclosed systems and methods may also implement various authentication and identification techniques to improve the security and compliance of money transfer transactions.

IPC Classes  ?

• G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
• G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/22 - Payment schemes or models
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure

Goods & Services

money transfer services; electronic funds transfer services; automated clearing house (ACH) transaction processing services; processing payments to third parties; direct debit account services in the nature of debit transaction processing services provided via mobile applications and a website; electronic credit and debit transactions; electronic debit card and credit card transaction processing

Abstract

A method for beacon device-based customer notifications is provided. The method is implemented by a computing device including a processor. The method includes receiving, from a beacon device, a beacon device advertisement that includes a universally unique identifier (UUID), a major identifier, and a minor identifier. The method also includes identifying, based on at least one of the UUID, the major identifier, and the minor identifier, that the beacon device is associated with an agent location, where the agent location is corresponds to a bill payment and money transfer facility. The method further includes generating a payment notification for display on the computing device, where the payment notification includes payment data and agent location data, receiving, from a user, an instruction to prepare to make a payment at the agent location, and causing the agent location to stage the payment for completion by the user.

IPC Classes  ?

• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• H04W 4/02 - Services making use of location information
• G08B 5/22 - Visible signalling systems, e.g. personal calling systems, remote indication of seats occupied using electromagnetic transmission
• G06Q 20/14 - Payment architectures specially adapted for billing systems
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G07F 17/40 - Coin-freed apparatus for hiring articles; Coin-freed facilities or services for devices for accepting orders, advertisements, or the like
• G06Q 30/02 - Marketing; Price estimation or determination; Fundraising

Abstract

A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.

IPC Classes  ?

• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/04 - Payment circuits
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G07G 5/00 - Receipt-giving machines

Abstract

Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

Abstract

The present disclosure describes systems, methods, and computer-readable storage media implementing techniques for providing split control of an execution environment. According to aspects of the disclosure, a first entity may be configured to exert control over presentation related aspects (e.g., the look and feel) of services provided by a second entity, while the second entity may exert control over backend processing and execution of the services. To facilitate the different portions of the split control, one or more servers may be configured to provide a first execution layer, a second execution layer, and a second execution layer control panel. The first execution layer may perform operations for executing the provisioning of the service. The second execution layer may perform operations for presenting the computing/execution environment for providing the service, and the second execution environment control panel may provide the first entity to customize/modify presentation related aspects of the computing/execution environment.

IPC Classes  ?

• H04L 12/24 - Arrangements for maintenance or administration
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
• G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

Systems and methods which allow for a money transfer transaction to be funded without providing payment at the point in time when the transaction is originated and which also do not require a customer to undertake a separate transaction with a separate entity prior to initiating the money transfer transaction with a money transfer service are provided. Embodiments may therefore allow for money transfers, such as in emergency situations, when customers would not otherwise have payment readily available at the time of the transaction.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
• G06Q 20/20 - Point-of-sale [POS] network systems

Abstract

Systems, methods, and computer-readable media for providing standards compliant encryption, storage, and retrieval of data are disclosed. In an embodiment, data is received at a first data center from a first device in connection with a service request, and encrypted to produce encrypted data. The encrypted data may be transmitted from the first data center to the first device, and then may subsequently be received at a second data center. The second data center may store the encrypted data in a database accessible to the second data center. Because all data provided to the system is encrypted by the first data center prior to being stored and/or provided to the second data center, the database and the second data center may be out of the scope of compliance monitoring, auditing, and reporting for one or more data security standards.

IPC Classes  ?

• H04L 29/06 - Communication control; Communication processing characterised by a protocol
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06F 16/22 - Indexing; Data structures therefor; Storage structures
• G06Q 20/38 - Payment architectures, schemes or protocols - Details thereof
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems

Abstract

A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.

IPC Classes  ?

• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/04 - Payment circuits
• G07G 5/00 - Receipt-giving machines
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

A method of staging a transaction includes receiving transaction information including a transaction type, sender and recipient information, and compliance data. A staging record is generated responsive to the transaction information, including a retrieval key for fulfillment of the transaction, where the transaction proceeds if the retrieval key leads to the staging record and the compliance data are consistent with applicable rules.

IPC Classes  ?

• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/14 - Payment architectures specially adapted for billing systems
• G06Q 30/00 - Commerce

Goods & Services

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house services, electronic transfer of government monetary benefits, electronic check re-presentment services, conversion of negotiable instruments to electronic payment transactions, processing payments to third parties, direct debit accounting services, electronic credit and debit transactions, official check processing and issuance, electronic debit card and credit card transaction processing; check and draft processing; financial risk management services; processing monetary government benefit payments; processing and disbursement of payments associated with coupons, rebates, and gift certificates for third parties.

Abstract

Embodiments of the present disclosure provide a money transfer network system that improves the performance of money transfer services provided via the money transfer network system and improves the performance of the underlying devices utilized to provide money transfer services. In particular, disclosed embodiments of a money transfer network system provide money transfer services that enable multiple users to engage in money transfer transactions as either a sending party or a receiving party in a manner that is similar to money transfer transactions executed between two users individually. Disclosed embodiments further enable a receiving party to request payment from a sending party, which may include scheduling recurring payments to be made via money transfer transactions.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/22 - Payment schemes or models
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

A method for performing transactions comprises receiving registration information and transaction specifications, generating a distribution profile based on the registration information, and storing the transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the transaction specifications in the distribution profile is identified based on the initiation instruction. Payment source status is verified and a send transaction is initiated, based on the payment source status.

IPC Classes  ?

• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06F 16/22 - Indexing; Data structures therefor; Storage structures
• G06Q 20/04 - Payment circuits
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

Abstract

A money transfer system is promoted by providing a user access to a game or contest generated by a promotions engine computer. The user is directed to a customer relations portal accessible via an access device to participate in the game or contest. The customer relations portal comprising a server configured to manage the game or contest and associated with the promotions engine computer. A response is received from the user at the server related to the user's participation in the game or contest. The server determines whether the user is to receive a reward or prize based on the response from the user, and an output is provided to the user on the access device indicating whether the user is to receive the reward or prize.

IPC Classes  ?

• A63F 13/61 - Generating or modifying game content before or while executing the game program, e.g. authoring tools specially adapted for game development or game-integrated level editor using advertising information
• G07F 17/32 - Coin-freed apparatus for hiring articles; Coin-freed facilities or services for games, toys, sports, or amusements
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
• A63F 13/335 - Interconnection arrangements between game servers and game devices; Interconnection arrangements between game devices; Interconnection arrangements between game servers using wide area network [WAN] connections using Internet

Abstract

A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G07G 5/00 - Receipt-giving machines

Abstract

The present disclosure describes systems, methods, and computer-readable storage media implementing techniques for providing split control of an execution environment. According to aspects of the disclosure, a first entity may be configured to exert control over presentation related aspects (e.g., the look and feel) of services provided by a second entity, while the second entity may exert control over backend processing and execution of the services. To facilitate the different portions of the split control, one or more servers may be configured to provide a first execution layer, a second execution layer, and a second execution layer control panel. The first execution layer may perform operations for executing the provisioning of the service. The second execution layer may perform operations for presenting the computing/execution environment for providing the service, and the second execution environment control panel may provide the first entity to customize/modify presentation related aspects of the computing/execution environment.

IPC Classes  ?

• H04L 12/24 - Arrangements for maintenance or administration
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure
• G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

The present disclosure describes systems, methods, and computer-readable storage media implementing techniques for providing split control of an execution environment. According to aspects of the disclosure, a first entity may be configured to exert control over presentation related aspects (e.g., the look and feel) of services provided by a second entity, while the second entity may exert control over backend processing and execution of the services. To facilitate the different portions of the split control, one or more servers may be configured to provide a first execution layer, a second execution layer, and a second execution layer control panel. The first execution layer may perform operations for executing the provisioning of the service. The second execution layer may perform operations for presenting the computing/execution environment for providing the service, and the second execution environment control panel may provide the first entity to customize/modify presentation related aspects of the computing/execution environment.

IPC Classes  ?

• G06F 9/50 - Allocation of resources, e.g. of the central processing unit [CPU]

Goods & Services

(1) Promoting the sale of goods and services through promotional contests and sweepstakes and providing prizes and gift certificates to contest winners and sweepstake winners; administration of a customer loyalty program for enabling participants to obtain discounts or other benefits on goods and services through use of a membership card; processing manufacturer's coupons and manufacturer's rebates (2) Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, processing payments to third parties, payment processing services, namely, electronic credit card and debit card transaction processing services; debit, credit and stored-value card services; official check processing and issuance; issuing gift certificates and gift cards which may then be redeemed for goods or services (3) Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, processing payments to third parties, payment processing services, namely, electronic credit card and debit card transaction processing services, money order services; debit and stored-value card services; check and draft processing

Goods & Services

(1) Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house services, electronic transfer of government monetary benefits, electronic check re-presentment services, conversion of negotiable instruments to electronic payment transactions, processing payments to third parties, direct debit accounting services, processing electronic credit and debit transactions, official check processing and issuance, electronic debit card and credit card transaction processing; check and draft processing; risk management services; processing monetary government benefit payments; processing and disbursement of payments associated with coupons, rebates, and gift certificates for third parties

Goods & Services

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house services, electronic transfer of government monetary benefits, electronic check re-presentment services, conversion of negotiable instruments to electronic payment transactions, processing payments to third parties, direct debit accounting services, electronic credit and debit transactions, official check processing and issuance, electronic debit card and credit card transaction processing; check and draft processing; financial risk management services; processing monetary government benefit payments; processing and disbursement of payments associated with coupons, rebates, and gift certificates for third parties

Goods & Services

Administration of a customer loyalty program which provides cash, discounts and other financial incentives if customers transfer money as part of a customer loyalty program; Customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes

Goods & Services

Administration of a customer loyalty program which provides cash, discounts and other financial incentives if customers transfer money as part of a customer loyalty program; Customer loyalty services and customer club services, for commercial, promotional and/or advertising purposes

Abstract

A system and method for performing customized money transfer send transactions uses a computer system connectable to receive data representing a send transaction identifier of at least one token. The computer system presents to the sender a completion interface that includes fields for receiving sender identification information, recipient identification information and a notification method, and message options related to the transaction. In response to receipt of sufficient information entered at the completion interface, an active, funded send transaction record is stored in the computer system including the message options for recipient notification.

IPC Classes  ?

• G06Q 20/00 - Payment architectures, schemes or protocols
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/04 - Payment circuits
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 30/06 - Buying, selling or leasing transactions
• G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
• G07F 17/42 - Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

Goods & Services

Computer hardware, namely, computer terminals for the transmission of financial transaction information over a global computer financial network

Abstract

Systems, methods, and computer-readable storage media for processing of bail payments and/or bond payments using resources of a money transfer network are disclosed. In an embodiment, a bail payment may be made via a money transfer transaction between a sending party (e.g., a family member or friend of a defendant) and a receiving party (e.g., the court that set the defendant's bail). In an additional or alternative embodiment, a bond payment may made via a money transfer transaction between the sending party and a receiving party (e.g., the bail bondsman entity).

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

Systems, methods, and computer-readable media for providing standards compliant encryption, storage, and retrieval of date are disclosed. In an embodiment, data is received at a first data center from a first device in connection with a service request, and encrypted to produce encrypted data. The encrypted data may be transmitted from the first data center to the first device, and then may subsequently be received at a second data center. The second data center may store the encrypted data in a database accessible to the second data center. Because all data provided to the system is encrypted by the first data center prior to being stored and/or provided to the second data center, the database and the second data canter may be out of the scope of compliance monitoring, auditing, and reporting for one or more date security standards.

IPC Classes  ?

• H04L 29/06 - Communication control; Communication processing characterised by a protocol
• G06F 17/30 - Information retrieval; Database structures therefor
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

Abstract

A method of staging a transaction includes receiving transaction information including a transaction type, sender and recipient information, and compliance data. A staging record is generated responsive to the transaction information, including a retrieval key for fulfillment of the transaction at an agent terminal, where the transaction proceeds if the retrieval key leads to the staging record and the compliance data are consistent with applicable rules.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/20 - Point-of-sale [POS] network systems

Abstract

Systems and methods which allow for a money transfer transaction to be funded without providing payment at the point in time when the transaction is originated and which also do not require a customer to undertake a separate transaction with a separate entity prior to initiating the money transfer transaction with a money transfer service are provided. Embodiments may therefore allow for money transfers, such as in emergency situations, when customers would not otherwise have payment readily available at the time of the transaction.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/20 - Point-of-sale [POS] network systems

Abstract

A method for performing transactions comprises receiving registration information and transaction specifications, generating a customer profile based on the registration information, and storing the transaction specifications in the distribution profile. The customer profile is identified based on an initiation instruction and associated user authentication data, and one of the transaction specifications is identified based on the initiation instruction. Payment source status is verified and a send transaction is initiated, based on the payment source status.

IPC Classes  ?

• G06Q 20/00 - Payment architectures, schemes or protocols
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06F 17/30 - Information retrieval; Database structures therefor

Abstract

A healthcare prescription delivery mechanism using a money transfer network is disclosed. In the healthcare prescription delivery mechanism, a prescription for a patient from a healthcare provider is sent to a designated pharmacy. The pharmacy then processes the prescription and delivers the prescribed medicine to a chosen address of the patient. A payment for the healthcare prescription order is made by either the patient or a third party through the money transfer network to the pharmacy.

IPC Classes  ?

• G06Q 50/00 - Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism

Abstract

A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/20 - Point-of-sale [POS] network systems
• G07G 5/00 - Receipt-giving machines
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

A healthcare prescription delivery mechanism using a money transfer network is disclosed. In the healthcare prescription delivery mechanism, a prescription for a patient from a healthcare provider is sent to a designated pharmacy. The pharmacy then processes the prescription and delivers the prescribed medicine to a chosen address of the patient. A payment for the healthcare prescription order is made by either the patient or a third party through the money transfer network to the pharmacy.

IPC Classes  ?

• G06F 19/00 - Digital computing or data processing equipment or methods, specially adapted for specific applications (specially adapted for specific functions G06F 17/00;data processing systems or methods specially adapted for administrative, commercial, financial, managerial, supervisory or forecasting purposes G06Q;healthcare informatics G16H)
• G06Q 10/08 - Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
• G16H 20/10 - ICT specially adapted for therapies or health-improving plans, e.g. for handling prescriptions, for steering therapy or for monitoring patient compliance relating to drugs or medications, e.g. for ensuring correct administration to patients

Goods & Services

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house services, electronic transfer of government monetary benefits, electronic check re-presentment services, conversion of negotiable instruments to electronic payment transactions, processing payments to third parties, direct debit accounting services, electronic credit and debit transactions, official check processing and issuance, electronic debit card and credit card transaction processing; check and draft processing; financial risk management services; processing monetary government benefit payments; processing and disbursement of payments associated with coupons, rebates, and gift certificates for third parties

Abstract

A method of staging a transaction includes receiving transaction information at an automated terminal. A staging record is generated for the transaction, responsive to the transaction information received. The staging record includes a retrieval key to identify the staging record, and a transaction type identifier. Instructions are provided for fulfillment of the transaction at an agent terminal, where the transaction is rejected if the retrieval key does not lead to the staging record and the transaction proceeds if the retrieval key leads to the staging record.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/14 - Payment architectures specially adapted for billing systems
• G06Q 30/00 - Commerce

Abstract

A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/20 - Point-of-sale [POS] network systems
• G07G 5/00 - Receipt-giving machines
• G06Q 20/04 - Payment circuits
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Goods & Services

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house services, electronic transfer of government monetary benefits, electronic check re-presentment services, conversion of negotiable instruments to electronic payment transactions, processing payments to third parties, direct debit accounting services, electronic credit and debit transactions, official check processing and issuance, electronic debit card and credit card transaction processing, check and draft processing; financial risk management services; processing monetary government benefit payments; processing and disbursement of payments associated with coupons, rebates, and gift certificates for third parties

Goods & Services

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house services, electronic transfer of government monetary benefits, electronic check re-presentment services, conversion of negotiable instruments to electronic payment transactions, processing payments to third parties, direct debit accounting services, electronic credit and debit transactions, official check processing and issuance, electronic debit card and credit card transaction processing, check and draft processing; financial risk management services; processing monetary government benefit payments; processing and disbursement of payments associated with coupons, rebates, and gift certificates for third parties

Goods & Services

Financial services, in particular, money transfer services, electronic funds transfer services, bill payment services, processing payments to third parties, payment processing services, namely, electronic credit card and debit card transaction processing services, money order services; debit and stored value card services; check and draft processing.

Goods & Services

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, processing payments to third parties, payment processing services, namely, electronic credit card and debit card transaction processing services, money order services; debit and stored value card services; check and draft processing.

Goods & Services

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, automated clearing house services, processing payments to third parties, electronic credit and debit transactions, official check processing and issuance; money order services; debit and stored value card services, check and draft processing.

Goods & Services

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, processing payment to third parties, payment processing services, namely electronic credit card and debit card transaction processing services, money order services; debit and stored value card services; check and draft processing.

Abstract

A method comprises receiving registration information and transaction specifications, and storing the transaction specifications in a distribution profile. Based on an initiation instruction and associated user authentication data, one of the transaction specifications in the distribution profile is identified. Payment source status is verified and a send transaction is initiated, based on the payment source status.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/04 - Payment circuits
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

Abstract

In an aspect, a method includes receiving authorization information from a controlled facility, and receiving a request to initiate a financial transaction at an agent device. At least one party to the financial transaction may be a resident of the controlled facility. The method includes determining whether the resident is authorized to participate in the financial transaction based on the authorization information. Determining whether the resident is authorized to participate in the financial transaction may include determining, based on the authorization information, whether a party that is to receive funds from or provide funds to the resident in connection with the financial transaction corresponds to an entity that the resident of the controlled facility is authorized to receive funds from or provide funds to. The method includes initiating the financial transaction in response to a determination that the resident is authorized to participate in the financial transaction.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists

Abstract

A method includes receiving, by a server via a network, transaction information descriptive of a money transfer transaction initiated at a point of entry device. The transaction information includes information that identifies a location of the point of entry device. The method includes determining, by the server, receipt information to be included in a receipt for the money transfer transaction. The receipt information may be determined based, at least in part, on the transaction information, and at least a portion of the receipt information included in the receipt satisfies regulatory requirements associated with the location of the point of entry device. The method includes generating, by the server, the receipt that includes the receipt information, and transmitting the receipt from the server to the point of entry device via the network.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G07D 11/00 - Devices accepting coins; Devices accepting, dispensing, sorting or counting valuable papers
• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G07G 5/00 - Receipt-giving machines
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

A staged bill payment transaction method comprises receiving transaction information, building a staging record at a data center, and providing a retrieval key or code. The staging record comprises the transaction information and the retrieval key or code identifies the staging record for finalizing the transaction.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/14 - Payment architectures specially adapted for billing systems
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 30/00 - Commerce

Abstract

A staged payment transaction method comprises receiving transaction information, identifying a staging record at a computer system or data processor, and providing a retrieval key or token to a user device. The staging record comprises the transaction information and the retrieval key or token identifies the staging record for finalizing the transaction.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
• G06Q 20/14 - Payment architectures specially adapted for billing systems
• G06Q 30/00 - Commerce

Abstract

A system and method for performing transactions uses a plurality of tokens for retail sale, each token representing a send transaction. A computer system is connectable to receive data representing a send transaction identifier of at least one token and the computer system presents to the sender a completion interface that includes fields for receiving send transaction information comprising sender identification information, recipient identification information and options related to the transfer. In response to receipt of sufficient information entered at the completion interface, a memory stores an active, funded send transaction record in the computer system including the options.

IPC Classes  ?

• G06F 17/00 - Digital computing or data processing equipment or methods, specially adapted for specific functions
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
• G06Q 20/04 - Payment circuits
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/28 - Pre-payment schemes, i.e. "pay before"
• G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
• G06Q 30/06 - Buying, selling or leasing transactions
• G07F 7/08 - Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card
• G07F 17/42 - Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus

Abstract

Systems and methods which utilize one or more social networking systems when creating, funding, and/or notifying a party of a transaction are provided. In accordance with one aspect, a money transfer transaction may be staged by a user whereupon a link corresponding to the staged transaction may be posted to one or more social networking services in order to allow for multiple users to access and fund the staged transaction. Additionally, in some aspects a user of a social networking service may generate a comment or post which then automatically triggers the staging of a money transfer transaction. Moreover, social networking services may be utilized to provide various notifications regarding money transfer transactions.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 50/00 - Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism

Abstract

A method for performing transactions comprises receiving registration information and money transfer transaction specifications, generating a distribution profile based on the registration information, and storing the money transfer transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the money transfer transaction specifications in the distribution profile is identified based on the initiation instruction. Payment source status is verified according to the identified money transfer transaction specification, and a staged send transaction is initiated, based on the payment source status at the time the send transaction is initiated.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/04 - Payment circuits
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

Abstract

A staged bill payment transaction method comprises receiving transaction information from a user, building a staging record at a data center, and providing a retrieval key to the sender. The staging record comprises the transaction information and the retrieval key identifies the staging record for finalizing the transaction.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes

Goods & Services

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, processing payments to third parties, electronic credit card and debit card transaction processing service; money order services; debit, credit and stored value card services; telephone calling card services.

Goods & Services

Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment. Financial services, namely, electronic funds transfer services, electronic processing and transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties; Money order services provided via the internet; Making payments on pre-paid mobile devices for recharging minutes; Currency exchange and advice; Electronic transfers of money; Transaction management services in the nature of providing a website portal in the field of financial transaction and payment processing services. Providing non-downloadable online software for electronic funds transfer services, electronic processing and transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties.

Goods & Services

Computer software, namely, electronic financial platform that accommodates multiple types of payment and debt transactions in an integrated mobile phone, PDA, and web-based environment. Financial services, namely, electronic funds transfer services, electronic processing and transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties; Money order services provided via the internet; Making payments on pre-paid mobile devices for recharging minutes; Currency exchange and advice; Electronic transfers of money; Transaction management services in the nature of providing a website portal in the field of financial transaction and payment processing services. Providing non-downloadable online software for electronic funds transfer services, electronic processing and transmission of bill payment data, electronic credit and debit transaction processing, processing payments to third parties.

Abstract

Various embodiments concern facilitating a money transfer by creating a first profile for a first user and a second profile for a second user. The first user can select the second profile from a plurality of profiles. The first user can enter a value designation for the transfer of money from the first user to the second user. A computing system can then stage the transfer of money based on previously saved profile information for the first user and the second user. The profile information can be used to set a plurality of terms of the money transfer without requiring either of the first user or the second user to reenter this information or otherwise affirmatively set the plurality of terms of the money transfer.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

Goods & Services

Computer software for use in bill payment and money transfer services, namely, software for processing bill payment and money transfer transactions over a computer network. Customer loyalty services for commercial, promotional and/or advertising purposes; administration of a customer loyalty program for enabling participants to obtain discounts or other benefits on goods or services through use of a membership card. Financial services including electronic transmission of funds, online funds transfer, electronic credit and debit transaction processing, processing payments to third parties, money order services; cheque processing, electronic cheque representment services, issuance of official cheques, cheque verification, issuing of cheques; payment services namely electronic receipt, batching, and processing; clearing house services, banking, credit inquiry and consultation, credit recovery and collection, currency exchange and advice, direct debit services; issuance of debit, credit and pre-paid phone cards; processing, transportation and delivery of funds; financial agency services for all of the foregoing; financial services; money, currency and payment transfer services; credit card and debit card services; telephone calling card services (financial services).

Abstract

Systems and methods which facilitate money transfer transactions to a receiving account are provided. Embodiments may provide for interaction between a money transfer service and one or more receiving account entities. Such interaction may be configured to cooperatively utilize transaction details in order to correctly route transferred funds to a receiving account. Embodiments may utilize this cooperation to prevent sensitive information from being widely distributed by parties which participate in a money transfer transaction.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

A staged bill payment transaction method comprises receiving transaction information from a user terminal at a kiosk, building a staging record at a data center in communication with the kiosk, and providing a retrieval key to the sender. The transaction information includes sender and biller information, for example where the sender has an account with the biller. The staging record comprises the transaction information and the retrieval key, which identifies the staging record for finalizing the transaction. If the retrieval key leads to the staging record at the data center, the staged bill payment transaction proceeds to credit a send amount to biller. If not, the transaction is rejected.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/20 - Point-of-sale [POS] network systems
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Goods & Services

Financial services, namely, money transfer services, electronic funds transfer services, bill payment services, processing payments to third parties, payment processing services, namely, electronic credit card and debit card transaction processing services, money order services; debit and stored value card services; check and draft processing

Abstract

Systems, methods and devices which provide controls to a parent entity over computing resources residing with an agent entity are discussed herein. In one example, embodiments may allow a parent entity to control peripheral hardware devices which are otherwise controlled locally by a computing device at an agent location. Further, in one embodiment, a parent entity may control the receipt of information from an agent computing device in order to authenticate the agent device. In one embodiment, such control may be implemented via a shell application that executes on an agent computing device when the agent is processing a financial transaction via a web browser interface.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A computer system is operated to prevent fraud in a money transfer receive transaction. A send transaction request is received from a sender for a money transfer including a send amount. The sender is prompted to select one or more security inputs to be supplied by a receiver for redemption of the money transfer. A send transaction record is stored with the selected one or more security inputs in a server. A receive transaction request is then received from the receiver. The receiver is prompted for the one or more security inputs set for redemption of the money transfer, and the provided one or more security inputs from the receiver are received. The received one or more security inputs are authenticated, and release of funds in the send amount is authorized if the received one or more security inputs are authenticated.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

A method for performing transactions comprises receiving registration information and money transfer transaction specifications, generating a distribution profile based on the registration information, and storing the money transfer transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the money transfer transaction specifications in the distribution profile is identified based on the initiation instruction. Payment source status is verified according to the identified money transfer transaction specification, and a staged send transaction is initiated, based on the payment source status at the time the send transaction is initiated.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/04 - Payment circuits
• G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
• G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
• G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]

Abstract

A method for operating a transaction processing system to provide location based language capabilities and dynamic receipts in connection with money transfer services. One embodiment includes storing, in a database, information representative of transaction location based attributes and associated one or more languages, and storing information representative of receipt field attributes and associated receipt fields. Send and/or receive transaction requests from points of sale are received at a transaction processor. The received transaction requests are processed using the stored information in the database to identify transaction location attributes of the requests and the associated one or more languages, and processed using the information stored in the database to identify receipt field attributes of the requests and to determine the associated receipt fields. Receipt information representative of receipts provided in the identified one or more languages and having the determined fields is sent from the processor to the points of sale.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 20/18 - Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Abstract

A money transfer system is promoted by providing a user access to a game or contest generated by a promotions engine computer. The user is directed to a customer relations portal accessible via an access device to participate in the game or contest. The customer relations portal comprising a server configured to manage the game or contest and associated with the promotions engine computer. A response is received from the user at the server related to the user's participation in the game or contest. The server determines whether the user is to receive a reward or prize based on the response from the user, and an output is provided to the user on the access device indicating whether the user is to receive the reward or prize.

IPC Classes  ?

• A63F 9/24 - Games using electronic circuits not otherwise provided for
• A63F 13/30 - Interconnection arrangements between game servers and game devices; Interconnection arrangements between game devices; Interconnection arrangements between game servers
• G07F 17/32 - Coin-freed apparatus for hiring articles; Coin-freed facilities or services for games, toys, sports, or amusements
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
• H04L 29/08 - Transmission control procedure, e.g. data link level control procedure

Abstract

Systems and methods which allow funds from one or more money transfer transactions to be delivered to a receiving party in a virtual form are provided. In some embodiments, a receiving party may receive a virtual credit card account for the money transfer amount, which can then be used to provide payment to an entity that accepts credit card transactions. In other embodiments, funds may be sent to a virtual account, such as a virtual wallet, which may be utilized to provide payments to third parties. In the event that a portion or all of the transferred funds are not utilized, embodiments may also provide for refunding the funds to the sending party.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems

Abstract

Systems, methods and devices which utilize near field communication-style technologies in conjunction with one or more of personal devices and communication networks in order to provide for improved customer interactions with a service establishment are provided. In one embodiment an application is configured to provide for various functionality upon the triggering of a near-field communication stimulus. For example, upon scanning a near field device, an application may launch that provides a user with pre-determined information. Such information may include information regarding the nearest locations of a service establishment and approximate wait times for transactions at the listed locations. In another embodiment, the pre-determined information may include information regarding promotions available to a customer such as special offers, coupons, advertisements, and the like.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Systems, methods and devices which utilize near field communication-style technologies in conjunction with one or more of personal devices and communication networks in order to provide for improved customer interactions with a service establishment are provided. In one embodiment an application is configured to provide for various functionality upon the triggering of a near-field communication stimulus. For example, upon scanning a near field device, an application may launch that provides a user with pre-determined information. Such information may include information regarding the nearest locations of a service establishment and approximate wait times for transactions at the listed locations. In another embodiment, the pre-determined information may include information regarding promotions available to a customer such as special offers, coupons, advertisements, and the like.

IPC Classes  ?

• G06Q 30/00 - Commerce
• G06Q 30/02 - Marketing; Price estimation or determination; Fundraising
• G06Q 40/04 - Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• G06Q 10/06 - Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling

Abstract

A money transfer system is promoted by providing a user access to a game or contest generated by a promotions engine computer. The user is directed to a customer relations portal accessible via an access device to participate in the game or contest. The customer relations portal comprising a server configured to manage the game or contest and associated with the promotions engine computer. A response is received from the user at the server related to the user's participation in the game or contest. The server determines whether the user is to receive a reward or prize based on the response from the user, and an output is provided to the user on the access device indicating whether the user is to receive the reward or prize.

IPC Classes  ?

• A63F 9/24 - Games using electronic circuits not otherwise provided for

Abstract

A method for performing transactions comprises receiving registration information and money transfer transaction specifications, generating a distribution profile based on the registration information, and storing the money transfer transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the money transfer transaction specifications in the distribution profile is identified based on the initiation instruction. Payment source status is verified according to the identified money transfer transaction specification, and a staged send transaction is initiated, based on the payment source status at the time the send transaction is initiated.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Systems and methods which allow for a money transfer transaction to be funded without providing payment at the point in time when the transaction is originated and which also do not require a customer to undertake a separate transaction with a separate entity prior to initiating the money transfer transaction with a money transfer service are provided. Embodiments may therefore allow for money transfers, such as in emergency situations, when customers would not otherwise have payment readily available at the time of the transaction.

IPC Classes  ?

• G06Q 40/00 - Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• G06Q 20/10 - Payment architectures specially adapted for home banking systems
• G06Q 40/02 - Banking, e.g. interest calculation or account maintenance

Abstract

A staged bill payment transaction method comprises receiving transaction information from a user terminal at a kiosk, building a staging record at a data center in communication with the kiosk, and providing a retrieval key to the sender. The transaction information includes sender and biller information, for example where the sender has an account with the biller. The staging record comprises the transaction information and the retrieval key, which identifies the staging record for finalizing the transaction. If the retrieval key leads to the staging record at the data center, the staged bill payment transaction proceeds to credit a send amount to biller. If not, the transaction is rejected.

IPC Classes  ?

• G07F 19/00 - Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines

Abstract

A computer system in a money transfer transaction. A request is received from a sender on a send computer to send a money transfer having a send amount. The sender is prompted on the send computer to select one or more parameters associated with the money transfer, the one or more parameters comprising money transfer receiver information including a receiver location. Money transfer fees associated with the money transfer are analyzed for a plurality of receive locations proximate the receiver location based on the selected one or more parameters. A receive location offering a lowest money transfer fee is selected from the plurality of receive locations. The send amount and fee for the selected receive location are collected from the sender. Information related to the money transfer is then stored, including the selected one or more parameters and the receive location, in a money transfer server.

IPC Classes  ?

• G06Q 20/10 - Payment architectures specially adapted for home banking systems