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.
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
6.
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
7.
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
9.
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
10.
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
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
13.
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
14.
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
15.
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
16.
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
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.
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
26.
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
29.
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
30.
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
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
36.
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
39.
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.
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
41.
Systems and methods for providing bail and bond services via a money transfer network
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
44.
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
46.
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
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
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 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
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
52.
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
57.
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
58.
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
60.
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
61.
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
63.
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
65.
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
66.
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
67.
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
71.
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
75.
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.
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.
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.
Systems and methods for facilitating cash payments for online transactions are provided. In some embodiments, a transaction is initiated online with a retailer where a user indicates that payment will be made for the transaction using cash. The user may then complete payment of the transaction with a cash payment service establishment using transaction identification information given to the user. Systems and methods for retrieving funds from an online/virtual account are also provided. In some embodiments, a user is able to initiate a funds transfer from an online/virtual account which are to be received in the form of cash at a money transfer service location.
A method for performing transactions comprises receiving registration in formation 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.
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
Magnetic coded cards for banking and debit card services;
point of sale (POS) equipment for financial services, namely
terminals and printers; software for financial services,
namely, software to process electronic funds transfer, bill
payment, official check processing and issuance, bill
payment tracking, analysis and reporting. 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, debit and stored value card
services, 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;
issuing gift certificates which may then be redeemed for
goods or services. Computer software development, namely, development of web
pages and software for third parties for use in bill payment
over computer networks.
81.
Systems and methods for pre-authorized money transfer transactions
Methods and systems which allow one or more money transfer transactions to be implemented in a manner which provides additional certainty to a receiving party are provided. In one embodiment, a money transfer service authorizes a sender to transfer up to a certain amount of money. With this authorization, a money transfer transaction regiment is established, while the money transfer service maintains an accounting of the balance to insure that the balance remains below the pre-determined authorized amount. In another embodiment, a money transfer services utilizes reliability criteria to authorize a sender to transfer money with the money and service charge being collected after the transfer is completed.
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 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte
A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment source identification and performing verification of at least a portion of the identification and qualification information and the payment source identification and upon sufficient verification building a distribution profile. The method proceeds by receiving from the customer and storing in the distribution profile send transaction specifications for staging each of one or more proposed send transactions, and receiving a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile and at least one send transaction specification to be executed. Responsive to the send initiation instruction, the method verifies the authentication data and the current status of the payment source identified in the distribution profile and upon sufficient verification, initiates a send transaction according to the at least one send transaction specification.
A computer system is operated for a receiver-staged money transfer transaction. A staged transaction is received from a receiver and includes one or more items requested by the receiver. Information about one or more senders identified to receive the staged transaction is then received, and the staged transaction is sent to the one or more senders. Approval notifications are received from the one or more senders indicating the one or more items in the staged transaction that the one or more senders agree to fulfill. The requested items fulfilled by the one or more senders are then released to the receiver.
Systems and methods for facilitating cash payments for online transactions are provided. In some embodiments, a transaction is initiated online with a retailer where a user indicates that payment will be made for the transaction using cash. The user may then complete payment of the transaction with a cash payment service establishment using transaction identification information given to the user. Systems and methods for retrieving funds from an online/virtual account are also provided. In some embodiments, a user is able to initiate a funds transfer from an online/virtual account which are to be received in the form of cash at a money transfer service location.
Systems and methods for facilitating cash payments for online transactions are provided. In some embodiments, a transaction is initiated online with a retailer where a user indicates that payment will be made for the transaction using cash. The user may then complete payment of the transaction with a cash payment service establishment using transaction identification information given to the user. Systems and methods for retrieving funds from an online/virtual account are also provided. In some embodiments, a user is able to initiate a funds transfer from an online/virtual account which are to be received in the form of cash at a money transfer service location.
A computer system is operated to transfer money to a receiver via an institution. A send transaction request including a send amount is received from a sender for a money transfer. The sender is prompted to provide identifying information about the institution and the receiver. The identifying information about the receiver includes the receiver's name. A compliance and/or regulatory review of the receiver is then conducted. If the receiver passes the compliance and/or regulatory review, the receiver name and send amount are provided to the institution in a receive transaction.
09 - Appareils et instruments scientifiques et électriques
36 - Services financiers, assurances et affaires immobilières
38 - Services de télécommunications
Produits et services
Point of sale computer software for use in bill payment and money transfer services, namely, software for processing bill payment and money transfer transactions. Financial services, namely, processing bill payment and money transfer transactions. Providing telecommunications connections to a computer network and connections to a computer database for processing bill payment and money transfer transactions.
A method of performing a money transfer transaction involves receiving information at an automated kiosk from a user for a money transfer transaction, including a transaction type selection and, responsive to the information from the user received at the kiosk, building a staging record for the transaction. The staging record includes at least a retrieval key to identify the staging record and a transaction type identifier. The method provides to the sender from the kiosk a machine readable staged transaction token with staging information stored thereon, including the retrieval key for use in transaction fulfillment.
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
89.
Verification methods for fraud prevention in money transfer receive transactions
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.
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.
A data processing system coupled to a rules database and a customer database is responsive to transaction requests representative of money transfers. The rules database includes information representative of transaction rules such as location-based rules, transaction type-based rules, customer-based rules, aggregated transaction value rules and currency exchange rules, at least some of which include an aggregation threshold. The system processes the transaction requests during transaction processing sessions to enable enforcement of governmental money transfer compliance requirements. Responses including requests for additional information, approvals and denials are provided by the system.
36 - Services financiers, assurances et affaires immobilières
38 - Services de télécommunications
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
Financial services, namely, processing bill payment and money transfer transactions Providing telecommunications connections to a computer network and connections to a computer database for processing bill payment and money transfer transactions Providing on-line point of sale non-downloadable computer software for use in bill payment and money transfer services, namely, providing non-downloadable software for processing bill payment and money transfer transactions
The purchase and redemption of virtual traveler's checks is managed. A purchase request is received, which includes purchasing customer identification information and a request for one or more virtual traveler's checks. Each of the one or more virtual traveler's checks has one of a predetermined set of fixed denominations. A check number is issued for each of the one or more virtual traveler's checks. Each check number is associated with the purchasing customer identification information. A redemption request is then received, which includes redeeming customer identification information and a request to redeem at least one of the one or more virtual traveler's checks. The release of funds is approved in an amount equal to the denominations of the requested virtual traveler's checks if the redeeming customer identification information matches the purchasing customer identification information.
A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment source identification and performing verification of at least a portion of the identification and qualification information and the payment source identification and upon sufficient verification building a distribution profile. The method proceeds by receiving from the customer and storing in the distribution profile send transaction specifications for staging each of one or more proposed send transactions, and receiving a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile and at least one send transaction specification to be executed. Responsive to the send initiation instruction, the method verifies the authentication data and the current status of the payment source identified in the distribution profile and upon sufficient verification, initiates a send transaction according to the at least one send transaction specification.
A system and method for performing money transfer send transactions uses a plurality of tokens for retail sale, each token representing a specific money transfer purpose and having a send transaction identifier. A computer system is connectable to receive from a point of sale terminal data representing a send transaction identifier of at least one token and creating a send transaction record linked to the token's send transaction identifier. A control module executing in the computer system presents to the sender a completion interface that includes elements reflecting the specific money transfer purpose and fields for receiving send transaction information comprising: sender identification information; recipient identification information; and message options related to the specific money transfer purpose. In response to receipt of sufficient information entered at the completion interface, a memory for stores an active, funded send transaction record in the computer system including the message options.
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 system and method for performing money transfer send transactions uses a plurality of tokens for retail sale, each token representing a specific money transfer purpose and having a send transaction identifier. A computer system is connectable to receive from a point of sale terminal data representing a send transaction identifier of at least one token and creating a send transaction record linked to the token's send transaction identifier. A control module executing in the computer system presents to the sender a completion interface that includes elements reflecting the specific money transfer purpose and fields for receiving send transaction information comprising: sender identification information; recipient identification information; and message options related to the specific money transfer purpose. In response to receipt of sufficient information entered at the completion interface, a memory for stores an active, funded send transaction record in the computer system including the message options.
G06K 5/00 - Méthodes ou dispositions pour vérifier l'exactitude du marquage sur un support d'enregistrement; Dispositifs de localisation de colonne
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 20/10 - 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
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
97.
Systems and methods for processing payments with payment review features
Methods and systems of processing a plurality of payments. One method can include receiving the plurality of payments from a plurality of customers, the plurality of payments payable to at least one receiver, determining a first set of payments included in the plurality of payments to automatically accept based on validation parameters, determining a second set of payments included in the plurality of payments to reject based on the validation parameters, determining a third set of payments included in the plurality of payments to conditionally accept based on the validation parameters, and electronically prompting at least one user to accept or reject payments included in the third set of payments.
A system for third party bill payment services used by a payer to pay a biller with whom a payer has an account includes a third party computer system for accessing biller data, the biller data for the payer comprising at least one account identifier, an amount due, and a nominal bill due date; a payment option generator for developing at least one payment option wherein the payment specified is responsive to a difference between a proposed payment date and the nominal bill due date; a payer interface for presenting the at least one payment option to the payer and for accepting a payer option selection and a payment funding confirmation; and a payment execution controller responsive to the payer option selection and funding confirmation, for initiating payment to a biller account on behalf of the payer.
36 - Services financiers, assurances et affaires immobilières
Produits et services
(1) 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, namely, electronic funds transfer and bill payment services; all of the above excluding debit and credit card.
(2) 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, namely, electronic funds transfer; mail order services; and bill payment services.
