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

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

Abstract: 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.

Abstract: Various embodiments concern methods of operating a server to facilitate transfer of a voucher to a receiver. Such methods include receiving a request at a server from a sender, the request indicating an identity of a receiver and a value designation, and receiving a selection of one or more vendors at the server. The methods further include sending a reference number to the sender from the server and receiving the reference number at the server from the receiver. The reference number is communicated from the sender to the receiver independently of the server. The methods further include authorizing release of a voucher to the receiver based on the reception of the reference number at the server and authentication of the identity of the receiver, the voucher redeemable only for goods and services with the selected one or more vendors.

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

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

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

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

Abstract: Systems and methods which provide for the transaction funding amount of a money transfer transaction to be fully paid to a receiving party are provided herein. Embodiments may utilize a central server which compiles and tracks the payment capabilities, exchange rates, and the like, of agents and/or locations in a money transfer network. Such information may be utilized to establish a money transfer transaction. Such a central server may be communicatively connected to agents on one or more of the sending and receiving side of a money transfer transaction and may provide information to one or more agents to assist in completing a transaction.

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

Abstract: Systems, devices and methods which provide for funding money transfer transactions via a direct deposit of transaction funds from a sender are provided herein. In some embodiments an account may be provided by a money transfer service to a sending party which may receive funds from a direct deposit. A money transfer transaction may be staged, or in some embodiments pre-staged, by a sending party and may be completed upon receiving the transaction funds via a direct deposit.

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

Abstract: A method for providing online authentication codes usable to purchase good and/or services. A plurality of authentication codes that can be provided to third party receiving entities are stored in a database. The third party receiving entities provide goods and/or services that can be obtained through presentment of the authentication codes to the third party receiving entities. An electronic request is received from a third party sender via an interface to purchase and receive an authentication code that can be presented to a third party receiving entity in return for a good and/or service from the third party receiving entity. An identity of a receiving entity for the requested authentication code is received from the third party sender through an interface. Payment for the authentication code is received from the sender. The authentication code is provided to the sender after receiving the payment.

Abstract: A money transfer system provided in connection with a loyalty program where the loyalty program members are assigned a loyalty identifier. The system includes point of entry ports to communicate transaction information with points of entry; a promotion database, a customer database, a pricing database, an analytics port to communicate marketing information with a marketing analytics system and a transaction processing system.

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

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

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

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

Abstract: 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.

Abstract: A money transfer system provided in connection with a loyalty program where the loyalty program members are assigned a loyalty identifier. The system includes point of entry ports to communicate transaction information with points of entry; a promotion database, a customer database, a pricing database, an analytics port to communicate marketing information with a marketing analytics system and a transaction processing system.