Patent ID: 8762267
Filing Date: 2014-06-24
Classification: G06Q,G07F

Abstract:
1. A method comprising: receiving, at a first computer system, a first request for a fund transfer from a sender to a stored value account; receiving, at the first computer system, a confirmation that a payment from the sender has been made for the fund transfer; assigning, at the first computer system, an identifier to the fund transfer; receiving, at the first computer system or a second computer system, a recorded voice message from the sender; receiving, with the first computer system or the second computer system, a second request from the sender that the recorded voice message is provided to the recipient prior to activation of a financial instrument associated with the stored value account; associating, at the first computer system or the second computer system, the recorded voice message with the stored value account; receiving, at the first computer system or the second computer system, a third request from a recipient, wherein the third request includes the identifier; and providing, from the first computer system or the second computer system, the recorded voice message to the recipient after receiving the third request.