Patent ID: 8998079
Filing Date: 2015-04-07
Classification: G06Q

Abstract:
1. A method comprising: receiving recipient identification information from a terminal at a kiosk, wherein the recipient has an account for a money transfer transaction available at the kiosk; identifying a staging record with the recipient at a data center in communication with the kiosk, 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 dispensing from the kiosk a token for fulfillment of the transaction, wherein the token is readable at a point of sale device configured to locate the staging record and confirm the payment amount to be made to recipient.