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.
G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
2.
SYSTEM AND METHOD FOR PROVIDING AN AUTOMATED TRADING PLATFORM FOR CROSS-BORDER SETTLEMENTS
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.
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.
09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et 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
09 - Appareils et instruments scientifiques et électriques
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et 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
6.
System and method for providing an automated trading platform for cross-border settlements
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.
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.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
8.
Systems and methods for providing split control of multiple execution environments
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.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
H04L 67/02 - Protocoles basés sur la technologie du Web, p.ex. protocole de transfert hypertexte [HTTP]
H04L 67/125 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p.ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance en impliquant la commande des applications des terminaux par un réseau
G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
9.
System and method for providing an automated trading platform for cross-border settlements
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.
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.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
11.
Rules engine and method for evaluating a plurality of cryptocurrencies
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.
G06Q 40/04 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
G06F 16/951 - Indexation; Techniques d’exploration du Web
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 30/018 - Certification d’entreprises ou de produits
12.
Systems and methods for distributing personally identifiable information across geographic boundaries
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.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
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.
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.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
G06Q 30/018 - Certification d’entreprises ou de produits
15.
Decentralized systems and methods for transferring information between subsystems of communication networks
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.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
16.
Systems and methods for providing split control of multiple execution environments
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.
H04L 67/125 - Protocoles spécialement adaptés aux environnements propriétaires ou de mise en réseau pour un usage spécial, p.ex. les réseaux médicaux, les réseaux de capteurs, les réseaux dans les véhicules ou les réseaux de mesure à distance en impliquant la commande des applications des terminaux par un réseau
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
H04L 67/02 - Protocoles basés sur la technologie du Web, p.ex. protocole de transfert hypertexte [HTTP]
G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
17.
SYSTEM AND METHOD FOR STAGING MONEY TRANSFERS BETWEEN USERS HAVING PROFILES
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.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
18.
SYSTEMS AND METHODS FOR PROVIDING DISTRIBUTED LEDGER TECHNOLOGY-BASED TRANSACTIONS
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.
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.
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
36 - Services financiers, assurances et affaires immobilières
Produits et 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.
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.
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.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
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.
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.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
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.
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.
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.
(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.
(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.
30.
SYSTEMS AND METHODS FOR IMPLEMENTING A BLOCKCHAIN-BASED MONEY TRANSFER NETWORK
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.
G06F 21/62 - Protection de l’accès à des données via une plate-forme, p.ex. par clés ou règles de contrôle de l’accès
G06Q 20/06 - Circuits privés de paiement, p.ex. impliquant de la monnaie électronique utilisée uniquement entre les participants à un programme commun de paiement
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/04 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
36 - Services financiers, assurances et affaires immobilières
Produits et 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
32.
Method and apparatus for customer notification system
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.
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
H04W 4/02 - Services utilisant des informations de localisation
G08B 5/22 - Systèmes de signalisation optique, p.ex. systèmes d'appel de personnes, indication à distance de l'occupation de sièges utilisant une transmission électromécanique
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G07F 17/40 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour dispositifs pour recevoir des commandes, de la publicité ou analogues
G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
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.
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
35.
Systems and methods for providing split control of multiple execution environments
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.
H04L 12/24 - Dispositions pour la maintenance ou la gestion
H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
36.
Systems and methods for emergency money transfer transactions
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.
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.
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
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.
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.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
36 - Services financiers, assurances et affaires immobilières
Produits et 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.
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.
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.
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06F 16/22 - Indexation; Structures de données à cet effet; Structures de stockage
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
43.
Promotion generation engine for a money transfer system
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.
A63F 13/61 - Création ou modification du contenu du jeu avant ou pendant l’exécution du programme de jeu, p.ex. au moyen d’outils spécialement adaptés au développement du jeu ou d’un éditeur de niveau intégré au jeu utilisant des informations publicitaires
G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
A63F 13/335 - Dispositions d’interconnexion entre des serveurs et des dispositifs de jeu; Dispositions d’interconnexion entre des dispositifs de jeu; Dispositions d’interconnexion entre des serveurs de jeu utilisant des connexions de réseau étendu [WAN] utilisant l’Internet
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
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.
H04L 12/24 - Dispositions pour la maintenance ou la gestion
H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
G06F 9/50 - Allocation de ressources, p.ex. de l'unité centrale de traitement [UCT]
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
46.
SYSTEMS AND METHODS FOR PROVIDING SPLIT CONTROL OF MULTIPLE EXECUTION ENVIRONMENTS
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.
36 - Services financiers, assurances et affaires immobilières
Produits et 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
36 - Services financiers, assurances et affaires immobilières
Produits et 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
36 - Services financiers, assurances et affaires immobilières
Produits et 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
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
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
52.
Customized retail send transaction method and system
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.
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée
G07F 17/42 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour appareils pour imprimer des tickets ou analogues
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
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).
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.
H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
G06F 17/30 - Recherche documentaire; Structures de bases de données à cet effet
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
57.
Systems and methods for emergency money transfer transactions
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.
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.
G06Q 20/00 - Architectures, schémas ou protocoles de paiement
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06F 17/30 - Recherche documentaire; Structures de bases de données à cet effet
59.
HEALTHCARE PRESCRIPTION DELIVERY TECHNIQUES USING A MONEY TRANSFER NETWORK
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.
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
60.
Healthcare prescription delivery techniques using a money transfer network
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.
G06F 19/00 - Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des applications spécifiques (spécialement adaptés à des fonctions spécifiques G06F 17/00;systèmes ou méthodes de traitement de données spécialement adaptés à des fins administratives, commerciales, financières, de gestion, de surveillance ou de prévision G06Q;informatique médicale G16H)
G06Q 10/08 - Logistique, p.ex. entreposage, chargement ou distribution; Gestion d’inventaires ou de stocks
G16H 20/10 - TIC spécialement adaptées aux thérapies ou aux plans d’amélioration de la santé, p.ex. pour manier les prescriptions, orienter la thérapie ou surveiller l’observance par les patients concernant des médicaments ou des médications, p.ex. pour s’assurer de l’administration correcte aux patients
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
36 - Services financiers, assurances et affaires immobilières
Produits et 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
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
36 - Services financiers, assurances et affaires immobilières
Produits et 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
36 - Services financiers, assurances et affaires immobilières
Produits et 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
36 - Services financiers, assurances et affaires immobilières
Produits et 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.
36 - Services financiers, assurances et affaires immobilières
Produits et 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.
36 - Services financiers, assurances et affaires immobilières
Produits et 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.
36 - Services financiers, assurances et affaires immobilières
Produits et 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.
71.
Method and apparatus for staging send transactions
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
72.
Money transfers by residents of a controlled facility
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G07D 11/00 - Dispositifs acceptant des pièces de monnaie; Dispositifs acceptant, distribuant, triant ou comptant des papiers de valeur
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
G06Q 20/14 - Architectures de paiement spécialement adaptées aux systèmes de facturation
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.
G06F 17/00 - TRAITEMENT ÉLECTRIQUE DE DONNÉES NUMÉRIQUES Équipement ou méthodes de traitement de données ou de calcul numérique, spécialement adaptés à des fonctions spécifiques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/28 - Schémas de prépaiement, c. à d. de "paiement préalable"
G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
G07F 7/08 - Mécanismes actionnés par des objets autres que des pièces de monnaie pour déclencher ou actionner des appareils de vente, de location, de distribution de pièces de monnaie ou de papier-monnaie, ou de remboursement par carte d'identité codée ou carte de crédit codée
G07F 17/42 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour appareils pour imprimer des tickets ou analogues
77.
Systems and methods for utilizing social media with money transfer transactions
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.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 50/00 - Systèmes ou procédés spécialement adaptés à un secteur particulier d’activité économique, p.ex. aux services d’utilité publique ou au tourisme
78.
Method and apparatus for distribution of money transfers
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.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques
36 - Services financiers, assurances et affaires immobilières
Produits et 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.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et 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.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et 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.
83.
System and method for staging money transfers between users having profiles
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.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
Produits et 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).
85.
Systems and methods for directing a money transfer to a receiving party account
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.
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.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/20 - Systèmes de réseaux présents sur les points de vente
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
36 - Services financiers, assurances et affaires immobilières
Produits et 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
88.
SYSTEMS AND METHODS FOR MANAGEMENT OF LOCAL DEVICES
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.
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.
G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
90.
Method and apparatus for distribution of money transfers
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.
G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives
G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil
G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance
91.
Money transfer system having location based language and dynamic receipt capabilities
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.
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 20/18 - Architectures de paiement impliquant des terminaux en libre-service, des distributeurs automatiques, des bornes ou des terminaux multimédia
92.
Promotion generation engine for a money transfer system
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.
A63F 9/24 - Jeux utilisant des circuits électroniques, non prévus ailleurs
A63F 13/30 - Dispositions d’interconnexion entre des serveurs et des dispositifs de jeu; Dispositions d’interconnexion entre des dispositifs de jeu; Dispositions d’interconnexion entre des serveurs de jeu
G07F 17/32 - Appareils déclenchés par pièces de monnaie pour la location d'articles; Installations ou services déclenchés par pièces de monnaie pour jeux, jouets, sports ou distractions
G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
H04L 29/08 - Procédure de commande de la transmission, p.ex. procédure de commande du niveau de la liaison
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.
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.
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.
G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds
G06Q 40/04 - Transactions; Opérations boursières, p.ex. actions, marchandises, produits dérivés ou change de devises
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation
96.
Promotion generation engine for a money transfer system
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.
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.
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.
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.
G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques
100.
SEND AND RECEIVE SIDE CONTROL OF MONEY TRANSFER PARAMETERS
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.
