Patent ID: 8473352
Filing Date: 2013-06-25
Classification: G06Q

Abstract:
1. A method of transferring money from a sender to a recipient using a third party money transfer service, the method comprising: providing a point of sale device at a money transfer origination location in communication with a host computer system of a money transfer network; entering into the point of sale device transaction details for a requested money transfer by the sender, wherein the details include at least a sender name, a recipient name, and a transfer amount; determining with the point of sale device whether the requested transaction is an allowable transaction, based on specific details of the requested transaction or based on an aggregation of the requested transaction by determining whether the aggregation of the requested transaction exceeds a predetermined aggregation threshold and based on the sender's transaction history by determining whether a transaction pattern within the sender's transaction history comprises unallowable transaction patterns; if the transaction is determined not to be an allowable transaction, aborting the transaction; if the transaction is determined to be an allowable transaction, attempting to identify the sender as an existing customer of the third party money transfer service using the transaction details, wherein existing customers have a unique customer identifier and transaction history; if the attempt to identify the sender as an existing customer of the third party money transfer service using the transaction details is unsuccessful: if the sender cannot be identified as an existing customer of the third party money transfer service using the transaction details or the transaction details and the additional information: if the sender can be identified as an existing customer of the third party money transfer service using the transaction details or the transaction details and the additional information: if the requested transaction is allowed to proceed: