Patent application number | Description | Published |
20100100426 | AGENT MANAGEMENT SYSTEM - An automated process for processing application data related to agent on-boarding in a money transfer system includes proforma subprocessing to pre-qualify the application data, analysis subprocessing to analyze the application data, set-up subprocessing to set up agents on the money transfer system and training subprocessing to train the agents on services provided by the money transfer system. Each of the subprocesses accepts an administrator input in response to the application data. In response to the administrator input, each of the subprocesses has an outcome that is one of forwarding the data, denying the data, notifying an originator of the application data and requesting additional data. | 04-22-2010 |
20110031307 | METHOD AND APPARATUS FOR MONEY TRANSFER - 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. | 02-10-2011 |
20110191240 | METHOD AND APPARATUS FOR DISTRIBUTION OF MONEY TRANSFERS - 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. | 08-04-2011 |
20120074216 | METHOD AND APPARATUS FOR MONEY TRANSFER - 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. | 03-29-2012 |
20120323790 | METHOD AND APPARATUS FOR DISTRIBUTION OF MONEY TRANSFERS - 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. | 12-20-2012 |
20130073457 | AGENT ACCESS PORTAL TO MONEY TRANSFER SYSTEM - A method for operating a computer-based processing system to provide money transfer services though user interfaces including agent portals. A plurality of user-specific and/or terminal-specific profiles including money transfer-related services available to a user and/or terminal are stored. Requests to provide money transfer-related services are received from a plurality of terminals operated by users at locations. Profiles associated with the one or more of the users operating the terminals and the locations of the terminals from which the money transfer-related service requests are received are determined. Portals including tabs linking to available money transfer-related services associated with the determined profiles are provided. | 03-21-2013 |
20130166443 | METHOD AND APPARATUS FOR DISTRIBUTION OF MONEY TRANSFERS - 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. | 06-27-2013 |
20130339227 | METHOD AND APPARATUS FOR MONEY TRANSFER - 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. | 12-19-2013 |
20140040138 | 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. | 02-06-2014 |
20140207664 | AGENT MANAGEMENT SYSTEM - An automated process for processing application data related to agent on-boarding in a money transfer system includes proforma subprocessing to pre-qualify the application data, analysis subprocessing to analyze the application data, set-up subprocessing to set up agents on the money transfer system and training subprocessing to train the agents on services provided by the money transfer system. Each of the subprocesses accepts an administrator input in response to the application data. In response to the administrator input, each of the subprocesses has an outcome that is one of forwarding the data, denying the data, notifying an originator of the application data and requesting additional data. | 07-24-2014 |
20140244509 | 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. | 08-28-2014 |
20140337214 | METHOD AND APPARATUS FOR MONEY TRANSFER - 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. | 11-13-2014 |