Patent ID: 9299068
Filing Date: 2016-03-29
CPC Classification: G06F,G06Q

Claim Text:
1. A method comprising: receiving registration information and money transfer or bill payment transaction specifications from an access portal comprising a computer, the registration information including associated authentication data of a customer and identifying a payment source for staging one or more staged send transactions based on the transaction specifications; generating a distribution profile at a data center, based on the registration information; storing the transaction specifications in the distribution profile at the data center; identifying the distribution profile at the data center, in response to an initiation instruction and the associated authentication data presented by the customer; identifying one or more of the transaction specifications in the distribution profile based on the initiation instruction and associated authentication data, wherein the authentication data comprise a token and the distribution profile is only available for use if the authentication data are correctly presented; verifying a status of the payment source for funding one or more of the staged send transactions, according to the identified transaction specification; and initiating the one or more staged send transactions for delivery of one or more send amounts based on the status of the payment source at a time the send transaction is initiated; wherein the payment source is funded by payment to an agent.