Patent ID: 9171297
Filing Date: 2015-10-27
Classification: G06Q

Abstract:
1. A method comprising: receiving recipient identification information from a device, wherein the recipient has an account for a money transfer transaction available at the device; identifying a staging record with the recipient at a data center in communication with the device via a wireless link, the staging record comprising compliance data for the money transfer transaction and a transaction pointer that locates a send transaction record including sender information and a send amount; testing the compliance data for consistency with a compliance window based on compliance rules for the send amount, the sender information and the recipient information, wherein the transaction proceeds if consistent with the compliance rules and the transaction is rejected if the compliance rules are not met; and displaying on the device a token image for fulfillment of the transaction, wherein the token image includes a bar code readable at a point of sale device configured to locate the staging record and confirm a payment amount to be made to the recipient.