US20080029591A1 - Money Remittance Method - Google Patents

Money Remittance Method Download PDF

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Publication number
US20080029591A1
US20080029591A1 US11/842,226 US84222607A US2008029591A1 US 20080029591 A1 US20080029591 A1 US 20080029591A1 US 84222607 A US84222607 A US 84222607A US 2008029591 A1 US2008029591 A1 US 2008029591A1
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US
United States
Prior art keywords
customer
recipient
account
card
money
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
US11/842,226
Inventor
Aaron Levinas
Alejandro Jakubowicz
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
MiCash Inc
Original Assignee
MiCash Inc
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
Family has litigation
Priority to US11/244,098 priority Critical patent/US7258274B2/en
Application filed by MiCash Inc filed Critical MiCash Inc
Priority to US11/842,226 priority patent/US20080029591A1/en
Publication of US20080029591A1 publication Critical patent/US20080029591A1/en
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=37910289&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=US20080029591(A1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application status is Abandoned legal-status Critical

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • G06Q40/025Credit processing or loan processing, e.g. risk analysis for mortgages

Abstract

A system wherein a customer is provided with a debit card, cash value is loaded onto the customer's card and a customer account is set up. To allow money remittance, specific information is obtained of the customer and the recipient. These include their names, address, phone number and a recognizable government identification number. The personal information of the customer and the recipient is verified with a government agency. Once the personal information has been verified as acceptable, a recipient's account is established related to the customer's account. The amount of money requested by customer is transferred from the customer's account to the recipient's account. The recipient may be provided with a card providing access to the recipient's account. The recipient may be in the same country or in a foreign country.

Description

    CROSS REFERENCE
  • This application is a continuation of U.S. patent application Ser. No. 11/244,098 filed Oct. 5, 2005.
  • BACKGROUND AND SUMMARY OF THE INVENTION
  • The present disclosure is directed to a method for remitting money and more specifically to a remittance method including a debit card and a related account.
  • Debit cards are generally cards by which the customer can make purchases and the amount of the purchase is debited against either prestored value on the card and/or an account which is backed up by an account in a financial institution or merely by an account and financial institution. For some customers, they do not have the capability or wherewithal to open a banking account with a formal financial institution and therefore prepaid debit cards are common. These are used, for example, as phone cards or gifts cards. The present method uses such a reloadable value debit card as a basis for its remittance system.
  • The present disclosure provides the customer with a debit card, loads cash value on the customer's card and sets up a customer account. To allow money remittance, specific information is obtained of the customer and the recipient. These include their names, address, phone number and a recognizable government identification number. The personal data or information of the customer and the recipient is verified with a government agency. Once the transaction has been verified as acceptable, a recipient's account is established related to the customer's account. The amount of money requested by customer is transferred from the customer's account to the recipient's account. The recipient may be provided with a card providing access to the recipient's account. The recipient may be in the same country or in a foreign country.
  • To comply with the appropriate regulations, the amount of money that may be loaded onto a customer card or the number of cards issued to the customer is limited. Also there is recording and tracking of all card transfers. A central location verifies the financial transaction, establishes the recipient accounts, and transfers the amount of money from the customer's account to the recipient's account. The operation center provides for obtaining the customer information as well as obtains state and federal licenses to allow authorized agents to sell debit cards and load cash value on the customer card at point-of-sale devices under the licenses. The operation center records and tracks all card-to-account transfers.
  • These and other aspects of the present disclosure will become apparent from the following detailed description of the invention, when considered in conjunction with accompanying drawings.
  • BRIEF DESCRIPTION OF DRAWINGS
  • FIG. 1 is a schematic representation of a money remittance system according to the present disclosure.
  • FIG. 2 is a schematic representation of a money remittance method according to the present disclosure.
  • DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
  • A schematic of a money remittance system according to the present disclosure is illustrated in FIG. 1. An operational center 16 communicates with a point-of-sale device 14 at an agency and provides cards and receives money at steps S1 and S2. An agent at the POS 14 sells a C card 18 to a customer. The customer then gives the agent at POS 14 cash at step S3. The card includes a PIN and a password under a security label. Before the money can be loaded onto the card 18, the cardholder must enter a PIN verification. The card 18 is then loaded with the amount of money that the customer has provided to the agent at the POS 14. This loading is performed by POS device 14. This information is transmitted to the central processing center 12 at step S4. Upon receipt of the information, the central processing center 12 requests authorization from an issuing financial entity 20 at step S5 and receives approvals at step S6. The central processing center 12 then approves or denies the loading at step S7. If it is accepted, a receipt is printed at the POS 14, step S8. Loading the money or making an initial telephone call activates a customer account at the central processing center 12. The C card 18 then may be used to make purchases at stores as a debit card, at ATM machines, and as a telephone calling card.
  • The operation center 16 must record the name, address, phone number and a recognizable government identification number of the customer or transmitter and the recipient in a money transfer to provide verification of the transmission. Types of recognizable government identification number are: social security numbers, passport numbers, driver license, ITIN or other governmental agency issued identifications. This information is provided at step S9.
  • The operation center 16 and the financial entity 20 are responsible for coordinating with governmental agencies 24, respectively, and its responsibility for compliance with various federal and state laws. The operation center 16 and issuing financial entity 20 are responsible for compliancy with the Bank Secrecy Act and for keeping information and providing reports such as the Suspicious Activity Report and the Currency Transaction Report. Operation center 16 also will obtain all the authorizations, registrations and licenses on the federal and state levels dealing with money transfer services. Under the Patriot Act, the operation center 16 will also provide a written anti-money laundering program. One of the government agencies 24 is the Office of Foreign Assets Control (“OFAC”) of U.S. Department of Treasury. The operation center 16 coordinates and verifies information with the OFAC. It also verifies the identity of the customer and recipient against the list of specially designated nationals against whom restrictions apply.
  • As shown in step S10, the operation center 16 reports suspicious activities and performs OFAC database checks. At steps S11 and S12 the operation center 16 provides the issuing financial entity 20 reports and customer profiles and they exchange reports. The financial entity 20, at step S13 also checks the OFAC database and reports suspicious activity.
  • Central processing center 12 limits the amount of money that can be loaded or transferred on any given day and the number of cards that can be issued to a single customer. This is an effort to keep the cash transactions below $10,000 limits. For example, central process center 12 may only allow daily withdrawal or daily transfer of $830, per card and individual. There is also a daily loading limit of $999 per card.
  • Money remittance system allows a customer having a C card 18 to remit money to a recipient 28. The C card 18 initiates a call at step S14 to the central processing center 12 to make a transfer after providing the recipient's personal information at step S9 to the operation center 16. This information has been verified as appropriate by checking with the government agency 24 via step S10. The central processing center 12 then sends transfer request file to and receives bank transfer files from a paying financial entity 22 at step S15. Central processing center 12 also verifies personal profile and available funds with the issuing financial entity 20 at step S16. When all the accounts have been set up in the issuing financial entity 20 and the paying financial entity 22, funds are transferred via step S17 from the issuing financial entity 20 to the paying financial entity 22. The customer 18 informs the recipient 28 in step S18 of the transfer of money and its availability. Recipient 28 then can request access to the transferred money from the paying financial entity 22 in step S19.
  • Although the initial system was set up that the issuing financial entity 20 was in the United States and the paying financial entity 22 is in a foreign country, the same procedure can be if the issuing financial entity 20 and the paying financial entity 22 are in the same country.
  • A general overview of the present process is specifically described in FIG. 2. Where appropriate, the corresponding steps from FIG. 1 are shown. As previously described, a C card 18 is provided to a customer at step 30. Cash value is loaded onto the card at step 32 at POS 14. The customer account is activated at step 34 by the central process center 12. For remittance, customer and recipient information is obtained at step 36 by the central process center 12. The information relative to the customer and the recipient of the money transfer transaction are verified at step 38 by consulting with the government agency 24. A recipient account is aligned with an existing account or is set up at step 40 by paying financial entity 22. The recipient account set up by the paying financial entity 22 is communicated to issuing financial entity 20. The central processing center 12 then links the recipient's account to the customer account. The customer requested transfer of funds from C card 18 to a recipient account is performed at step 42. This is performed by the central processing center 12. A recipient card 28 is available for the recipient which allows access to the recipient account at step 44. The recipient using the recipient card 28 can use it for withdrawals from its account. It is limited to the amount of money on the recipient card 28 or in its related account. Where the recipient is in a foreign country, the recipient goes to the paying financial entity 22 and provides appropriate identification to receive the recipient card 28.
  • Although the present invention has been described and illustrated in detail, it is to be clearly understood that this is done by way of illustration and example only and is not to be taken by way of limitation. The scope of the present invention is to be limited only by the terms of the appended claims.

Claims (7)

1. A method for remitting money comprising:
providing a customer with a debit card;
loading cash value on the customer's card and setting up a customer account;
obtaining from the customer a) their name, address, phone number, and recognizable government identification number and b) a recipient's name, address, phone number, and recognizable government identification number;
verifying the personal information of the customer and the recipient with the government;
establishing a recipient account related to the customer's account after verification;
transferring requested amount of money from the customer's account to the recipient's account; and
providing the recipient access to the recipient's account.
2. The method according to claim 1, wherein the account is established in a foreign country and the recipient's access is provided in the foreign country.
3. The method according to claim 1, including limiting the amount of money that may be loaded onto the customer's card and the number of cards issued to the customer.
4. The method according to claim 1, including recording and tracking all card to account transfers.
5. The method according to claim 1, including obtaining state and federal licenses for money remittance and authorizing agents to sell debit cards and load cash value on the customer cards at point of sale devices under the licenses.
6. The method according to claim 1, including using a central location for obtaining, verifying, establishing and transferring money as well as the creation of all operational links.
7. The method according to claim 1, including providing the recipient a card which provides access to the recipient's account.
US11/842,226 2005-10-06 2007-08-21 Money Remittance Method Abandoned US20080029591A1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US11/244,098 US7258274B2 (en) 2005-10-06 2005-10-06 Money remittance method
US11/842,226 US20080029591A1 (en) 2005-10-06 2007-08-21 Money Remittance Method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US11/842,226 US20080029591A1 (en) 2005-10-06 2007-08-21 Money Remittance Method

Related Parent Applications (1)

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US11/244,098 Division US7258274B2 (en) 2005-10-06 2005-10-06 Money remittance method

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US20080029591A1 true US20080029591A1 (en) 2008-02-07

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US11/244,098 Expired - Fee Related US7258274B2 (en) 2005-10-06 2005-10-06 Money remittance method
US11/842,226 Abandoned US20080029591A1 (en) 2005-10-06 2007-08-21 Money Remittance Method

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20100019028A1 (en) * 2008-07-25 2010-01-28 G&T Management, LLC Affinity group bearer debit cards, and card systems
US20110121427A1 (en) * 2008-07-01 2011-05-26 Teledyne Scientific & Imaging, Llc Through-substrate vias with polymer fill and method of fabricating same
US20110238553A1 (en) * 2010-03-26 2011-09-29 Ashwin Raj Electronic account-to-account funds transfer
US20110320355A1 (en) * 2010-06-29 2011-12-29 Amer Pasha Value transfer with identity database

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* Cited by examiner, † Cited by third party
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US20080109279A1 (en) * 2006-09-12 2008-05-08 Daniel Csoka Systems and methods for transferring funds from a sending account
WO2008033960A2 (en) * 2006-09-12 2008-03-20 Akos Technology Corporation Systems and methods for transferring funds from a sending account
US20090070257A1 (en) * 2006-09-12 2009-03-12 Daniel Csoka Systems and methods for transferring funds from a sending account
US20080249910A1 (en) * 2007-04-06 2008-10-09 Hill Dennis J Registration of customers for payment card based remittance system
US8396793B2 (en) * 2007-04-06 2013-03-12 Mastercard International Incorporated Payment card based remittance methods and system
US20080249908A1 (en) * 2007-04-06 2008-10-09 Dana Lorberg System for calculating estimated currency conversion outcome
US20080249928A1 (en) * 2007-04-06 2008-10-09 Hill Dennis J Payment card based remittance system with designation of recipient by mobile telephone number
US20080249937A1 (en) * 2007-04-06 2008-10-09 Walls Robert K Payment card based remittance system with delivery of anti-money laundering information to receiving financial institution
US8296232B2 (en) 2010-04-30 2012-10-23 Visa International Service Association Systems and methods for screening payment transactions
US8170953B1 (en) 2011-03-18 2012-05-01 Visa International Service Association Systems and method for screening payment transactions
US10346823B2 (en) 2011-08-12 2019-07-09 Citibank, N.A. Methods and systems for activating an electronic payments infrastructure

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5953710A (en) * 1996-10-09 1999-09-14 Fleming; Stephen S. Children's credit or debit card system
US6978380B1 (en) * 2000-06-06 2005-12-20 Commerciant, L.P. System and method for secure authentication of a subscriber of network services
US20040006533A1 (en) * 2001-03-20 2004-01-08 David Lawrence Systems and methods for managing risk associated with a geo-political area
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US20050177496A1 (en) * 2003-11-14 2005-08-11 First Data Corporation System for distributing funds

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110121427A1 (en) * 2008-07-01 2011-05-26 Teledyne Scientific & Imaging, Llc Through-substrate vias with polymer fill and method of fabricating same
US20100019028A1 (en) * 2008-07-25 2010-01-28 G&T Management, LLC Affinity group bearer debit cards, and card systems
US20110238553A1 (en) * 2010-03-26 2011-09-29 Ashwin Raj Electronic account-to-account funds transfer
WO2011119743A2 (en) * 2010-03-26 2011-09-29 Visa U.S.A Inc. Electronic account-to-account funds transfer
WO2011119743A3 (en) * 2010-03-26 2011-12-08 Visa U.S.A Inc. Electronic account-to-account funds transfer
US20110320355A1 (en) * 2010-06-29 2011-12-29 Amer Pasha Value transfer with identity database
WO2012006102A2 (en) * 2010-06-29 2012-01-12 Visa International Service Association Value transfer with identity database
WO2012006102A3 (en) * 2010-06-29 2012-04-26 Visa International Service Association Value transfer with identity database
US8533119B2 (en) * 2010-06-29 2013-09-10 Visa International Service Association Value transfer with identity database

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US7258274B2 (en) 2007-08-21
US20070080210A1 (en) 2007-04-12

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