WO2006124343A3 - In-lane money transfer systems and methods - Google Patents

In-lane money transfer systems and methods Download PDF

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Publication number
WO2006124343A3
WO2006124343A3 PCT/US2006/017528 US2006017528W WO2006124343A3 WO 2006124343 A3 WO2006124343 A3 WO 2006124343A3 US 2006017528 W US2006017528 W US 2006017528W WO 2006124343 A3 WO2006124343 A3 WO 2006124343A3
Authority
WO
WIPO (PCT)
Prior art keywords
transfer
transfer pair
methods
money
money transfer
Prior art date
Application number
PCT/US2006/017528
Other languages
French (fr)
Other versions
WO2006124343A2 (en
Inventor
Kurt Hansen
Thomas B Sayor
Original Assignee
First Data Corp
Western Union Co
Kurt Hansen
Thomas B Sayor
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by First Data Corp, Western Union Co, Kurt Hansen, Thomas B Sayor filed Critical First Data Corp
Priority to CA002608926A priority Critical patent/CA2608926A1/en
Priority to EP06752350A priority patent/EP1886285A4/en
Priority to AU2006247911A priority patent/AU2006247911C1/en
Priority to BRPI0609881-9A priority patent/BRPI0609881A2/en
Publication of WO2006124343A2 publication Critical patent/WO2006124343A2/en
Publication of WO2006124343A3 publication Critical patent/WO2006124343A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Abstract

The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes receiving a request for a transfer pair verification from a vendor location (360), and verifying that the transfer pair is associated with a valid transfer pair record (362). The method includes sending the transfer pair verification to the vendor location (368), receiving a money transfer request (370) associated with the transfer pair from the vendor location, and authorizing a money transfer (372) to at least one of a first and second customers associated with the transfer pair, hi this manner, a vendor location, which may include a point-of-sale device and may be a retail outlet (e.g., grocery store, gas station, or the like), can be used to facilitate a money transfer between two customers.
PCT/US2006/017528 2005-05-18 2006-05-05 In-lane money transfer systems and methods WO2006124343A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CA002608926A CA2608926A1 (en) 2005-05-18 2006-05-05 In-lane money transfer systems and methods
EP06752350A EP1886285A4 (en) 2005-05-18 2006-05-05 In-lane money transfer systems and methods
AU2006247911A AU2006247911C1 (en) 2005-05-18 2006-05-05 In-lane money transfer systems and methods
BRPI0609881-9A BRPI0609881A2 (en) 2005-05-18 2006-05-05 en route money transfer system and methods

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US11/132,725 US7392940B2 (en) 2005-05-18 2005-05-18 In-lane money transfer systems and methods
US11/132,725 2005-05-18

Publications (2)

Publication Number Publication Date
WO2006124343A2 WO2006124343A2 (en) 2006-11-23
WO2006124343A3 true WO2006124343A3 (en) 2008-12-24

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/017528 WO2006124343A2 (en) 2005-05-18 2006-05-05 In-lane money transfer systems and methods

Country Status (7)

Country Link
US (4) US7392940B2 (en)
EP (1) EP1886285A4 (en)
CN (1) CN101443821A (en)
AU (1) AU2006247911C1 (en)
BR (1) BRPI0609881A2 (en)
CA (1) CA2608926A1 (en)
WO (1) WO2006124343A2 (en)

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US8851371B2 (en) 2014-10-07
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