Patent Publication Number: US-2017364881-A1

Title: Retail send transaction system

Description:
CROSS-REFERENCE TO RELATED APPLICATIONS 
     This application is a continuation of U.S. patent application Ser. No. 15/486,450, filed Apr. 13, 2017, which is a continuation of U.S. patent application Ser. No. 14/805,890, filed Jul. 22, 2015, entitled RETAIL SEND TRANSACTION SYSTEM, issued Apr. 18, 2017, as U.S. Pat. No. 9,626,665, which is a division of U.S. patent application Ser. No. 12/650,209, filed Dec. 30, 2009, entitled RETAIL SALE MONEY TRANSFER SYSTEM, issued Jul. 28, 2015, as U.S. Pat. No. 9,092,763, each of which is incorporated by reference herein, in the entirety and for all purposes. 
    
    
     FIELD 
     The present disclosure relates generally to apparatus and methods for transferring money, and more specifically to apparatus and methods for a money transfer transaction using delivery features to effect a money transfer. 
     BACKGROUND 
     Money transfer and similar arrangements are used by many consumers in lieu of bank accounts to send money, make payments, and conduct similar transactions. Rather than money being held in a traditional banking account, a customer provides cash to a money transfer company, such as a non-bank financial institution (NBFI) providing money transfers, where it may be transferred (immediately after payment or later in time) to another person. The money paid to the money transfer company is not held in a federally insured or regulated account of the customer, but rather is merely held by the transfer company under a documented financial obligation to pay the money to a person designated by the customer. Often, the money transfer company has very effective systems for providing cross-border money transfers. 
     Present money transfer procedures typically involve a customer going to a money transfer location, such as an agent office of the money transfer company, and giving the customer service representative (CSR) a variety of personal and recipient information. Alternatively, a transaction may be staged by contacting a CSR by telephone to provide personal and recipient information, with a visit to an agent office for fulfilling the staged transaction with a payment. The personal and recipient information a sender provides may include the names and addresses of the sender (customer) and recipient, proof of sender identification, and the amount to be transferred. This information is entered into a money transfer system, and, after the money to be transferred has been collected from the sender, is used to create a send transaction record for the money transfer. The send transaction is now ready for the receive phase, so the sender notifies the recipient of the transfer. The recipient usually then goes to a separate money transfer agent location, such as another location of the money transfer company or agent thereof, to pick up the money transferred. The recipient may be required to provide a money transfer number and/or proof of identification at the receive location, prior to picking up the money. 
     Present money transfer systems, however, are typically not thought of by the customer as anything more than a financial vehicle for transferring money. That is, when a customer uses a money transfer system, he/she typically thinks only of the purpose to transfer money from himself/herself to another individual that needs money or to an individual or business to which the customer owes money. This limited view of money transfer systems may be due in part to the agent office or service counter context at which money transfer systems are presented to and interact with the customer, and the lack of money transfer purchasing capabilities in traditional retail purchase contexts. 
     SUMMARY 
     In one embodiment, described herein is a system for performing money transfer send transactions comprising: a computer system connectable to receive data representing a send transaction identifier of at least one token and creating a send transaction record linked to the send transaction identifier; a control module executing in the computer system for presenting to the sender a completion interface, said interface including fields for receiving send transaction information comprising: sender identification information; recipient identification information; and a memory for storing in response to receipt of sufficient information entered at the completion interface, an active, funded send transaction record in the computer system. 
     In another embodiment, described herein is method of performing money transfer send transactions comprising: receiving at a computer system data representing a send transaction identifier; under control of the computer system, presenting to a sender a completion interface, said interface including fields for receiving send transaction information comprising: sender identification information; recipient identification information; and responsive to receipt of sufficient information entered at the completion interface, storing an active, funded send transaction record in the computer system. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         FIG. 1A  is a schematic block diagram of a prior art system for money transfers by an NBFI for customers. 
         FIG. 1B  is a schematic block diagram of the present system for retail sale and sending of money transfers by an NBFI for customers. 
         FIG. 2A  depicts the screens of a kiosk for retail sale of money transfers by an NBFI to customers. 
         FIG. 2B  depicts alternate screens of a kiosk for retail sale of money transfers by an NBFI to customers. 
         FIG. 3  depicts the logical flow of a card-created money transfer transaction delivered as a retail sale. 
         FIG. 4  depicts the logical flow of a pre-defined money transfer transaction delivered as a retail sale. 
         FIG. 5  is a schematic block diagram of the customer completion interface components and operations of the present system for retail sale and sending of money transfers by an NBFI for customers. 
         FIG. 6A  depicts a simplified example of customer completion interface screens for one product type supported by the present system for retail sale and sending of money transfers. 
         FIGS. 6B, 6C  depict further examples of customer completion interface screens for two product types. 
         FIG. 7  is a schematic diagram of the overall operations of the present system for retail sale and sending of money transfers by an NBFI for customers. 
         FIG. 8A  depicts one embodiment of a token as used in the present system for retail sale and sending of money transfers by an NBFI for customers. 
         FIG. 8B  depicts an alternative, greeting card embodiment of a token as used in the present system for retail sale and sending of money transfers by an NBFI for customers. 
         FIG. 8C  depicts examples of several tokens for different product types as used in the present system for retail sale and sending of money transfers. 
         FIG. 9  depicts in schematic form the information fields in a send transaction record as used in the present invention. 
     
    
    
     DETAILED DESCRIPTION 
     Advantages of the System and Method 
     The present disclosure relates generally to apparatus and methods for transferring money, and more specifically to apparatus and methods for the retail purchase of money transfer transactions, in particular with use of tokens representing a specific money transfer for a specific sender purpose. In particular, disclosed herein is a system and method to make a money transfer transaction an attractive retail purchase, for example, by packaging the money transfer product as a consumer merchandise item within a retail environment and presented to the consumer in a familiar retail purchase context. 
     The retail money transfer transaction as described herein is made consistent with the conventional money transfer records and record-keeping of the NBFI data systems. A worldwide, high-speed money transfer system uses and relies on send transaction records for each of the money transfer transactions, with each record having its own transaction identifier. In the present system, this record is linked to a retail purchase transaction at a point of sale, whereby the transaction is funded. This funding is documented by updating the record associated with the money transfer transaction identifier and associated retail token. Alternatively, the funding is documented by creating a new money transfer record with a new money transfer transaction identified with the associated retail token. Either way, a funded money transfer transaction is reflected in NBFI computer records and has a particular transaction identifier that permits its tracking from origination of the money transfer transaction to its payout. While one transaction identifier may apply to the transaction throughout, it will be clear that with appropriate linking or substitution of identifiers, multiple identifiers may be used for one transaction. Accordingly, the present system and method focus on the creation and modification of a money transfer transaction record, funded in a retail purchase and customized by the sender to define a desired receive transaction. From a time of origination when the initial record lacks key data, the system  100  collects the necessary data and transforms the initial records into a send transaction record ready for a receive transaction customized by the sender. 
     The presently disclosed system and method thus may extend money transfer sales beyond the typical service desk at an agent of the money transfer company into retail locations to, among other things, expand the sales of money transfer products. For example, the money transfer products described herein may be designed for and marketed to a consumer based on different consumer needs or motivations and based on different consumer reasons for purchasing the money transfer. For example, a special purpose of the money transfer may be a gift for a special personal or family event or on the occasion of a secular, religious, or ethnic holiday, among others. The money transfer products may be designed so as to include a token and packaging that shows the customer that they are not just purchasing a money transfer, but rather a gift for a specific purpose or occasion. 
     The presently disclosed systems and methods allow the purchase of money transfers to be initiated or conducted at a retail POS, such as in a retail store, at a specially designed kiosk, or on-line at a website of the money transfer company. Money transfer product tokens provided in a retail store (or at kiosks for the purchase of money transfer products) may be displayed in high-traffic and high visibility locations within a retail store such as, for example, in an aisle where other products appear or a freestanding fixture near other products. Furthermore, money transfer product packages may be placed where complementary products are displayed and sold within the retail store, for example, greeting cards, gift registry, prepaid phone cards, gift cards, etc. 
     While the retail purchase context can present money transfers in a way that encourages their retail purchase, the rapid purchase process is not suitable for collecting all information for a send transaction. Accordingly, the presently disclosed system and method provides completion interfaces where the money transfer transaction details may be collected for an NBFI&#39;s send transaction records. These interfaces both carry on the retail purpose theme (e.g., a gift for event) selected by the sender at purchase and let the sender control certain aspects of the receive phase to reflect the retail purpose theme. While the description below will refer primarily to an NBFI providing the tokens, computer system, agent network and other infrastructure for the present invention, the system and method may be used by any organization permitted to perform money transfers. 
     Overview of the System and Method: 
     In one embodiment, a customer selects a money transfer package, or token, from an in-store display. Each money transfer token may have a category SKU identifying the money transfer features or the specific money transfer purpose, and/or a unique money transfer identifier to identify a specific money transfer package or transaction. For example, the token may represent a birthday transfer to a sibling in Mexico of pesos corresponding to US $50. A cashier at a purchase terminal at the point of sale (POS) may scan an SKU or similar barcode of the money transfer package or token upon presentation by the customer, and the cashier may then collect money from the customer for the money transfer package and any other products the customer has selected at the retail POS. The purchase is rapid, as neither the customer nor the cashier has to provide or record at the POS the details that are a necessary part of a money transfer transaction before it becomes available to a recipient. The purchase price of the money transfer product may include the face value of the money transfer product plus a send fee. Upon retail purchase, a money transfer transaction record may be created within an NBFI data processing system, specifically in a transaction database, of the NBFI. A unique transfer transaction identifier may thereby be created. Alternatively, the system finds and updates a pre-existing (incomplete) money transfer transaction record created with a transaction identifier before the retail purchase. The daily purchases of money transfer products at a particular retail store may be aggregated and reported to and/or settled by the NBFI at the end of each day, or at any other time interval. The settling process may be accompanied by a review using an interface to allow the retailer to confirm that such retail-purchased money transfers are a paid transaction, thereby reducing fraud. 
     After purchasing the money transfer product at the retail POS, the customer may then interact with a completion interface, which may include, for example, an online website, an in-store kiosk, a call center or a telephone interactive voice response (IVR) system. The customer provides the completion interface with a unique money transfer identifier (e.g., an identification number) linked to the money transfer transaction purchased at the retail store and, upon being presented interface screens or other prompts (e.g., an IVR script) tailored to the specific kind of transaction purchased (e.g., birthday transfer to a sibling in Mexico of pesos corresponding to US $50), provides the details needed to complete the money transfer. These may include, for example: the customer/sender name, address and telephone number; the receiver name, address and telephone number; the money transfer destination and delivery mode (if not already determined by the token and product type), any other required information and optional information specifying delivery features for the receive transaction. These delivery features may reflect the specific kind of money transfer product purchased and the sender&#39;s customization of the delivery to the recipient. The money transfer transaction record is filled out in this interaction with the interface and, as the record is completed, its data may be processed through and stored in existing data processing systems of the NBFI. For example, the money transfer transaction record data may be subjected to standard compliance and other operational processes of the NBFI, such as, for example, fraud prevention and required regulatory recordkeeping. 
     After completion of the money transfer transaction record by interaction at the completion interface, the transferred money becomes available for the recipient to pick up at any worldwide receive location of the NBFI within a short period of time, for example, 10 minutes or a few hours. Alternatively, the money may be transferred to a specified financial account of the recipient. When the transferred money is received by the recipient or recipient account, the customer/sender may be notified by, for example, e-mail, text message, or letter. 
     As will be appreciated, presently disclosed systems and methods offer greater control and choice for money transfer consumers. Furthermore, customers who may never have previously purchased a money transfer product may be prompted to do so by the retail purchase nature of the money transfer products disclosed herein. For example, such money transfer products may be defined to embody the purpose for which the customer is sending money, i.e., a special occasion, which may include, for example, a personal or family event or holiday. Presently disclosed systems and methods also offer benefits to the NBFI and its agents. Money transfer products may be purchased with greater speed and convenience at a retail store or other convenient location, as the details of the money transfer may be completed at a post-purchase time and a different location from the point of purchase of the money transfer product package. Presently disclosed systems and methods also give the customers greater control over their personal information and that of the recipient, as the customer may provide this information directly to the money transfer company in the privacy of a home or office, rather to an agent of the money transfer company at a public location, for example, the agent&#39;s counter or other office environment. 
     Furthermore, the presently disclosed data processing and communications systems and methods allow a money transfer product to be portable; that is, a customer may purchase the money transfer product at a particular time and make the money transfer at a later time. The purchase of a money transfer product is removed from the traditional setting of the service desk or other agent location of the NBFI and moved to a retail setting, where the money transfer product and package may be tailored to consumer needs and desires and become more visible to more potential customers. A money transfer product designed for and presented in a retail context may thereby be thought of by the customer less with respect to the bare transfer of money, but rather as connected to the occasion or purpose for which the money is being transferred, for example, a gift for a particular occasion or event. 
     Money Transfer System: 
     As previously mentioned, the systems and methods of the present disclosure may be adapted to work with existing money transfer systems of a money transfer company. One exemplary system is described in U.S. patent application Ser. No. 11/608,040 (pre-grant publication number 2008/0140568) filed Dec. 7, 2006, the contents of which are herein incorporated by reference in their entirety. 
     With particular reference to  FIG. 1A  (from publication number 2008/0140568), therein is depicted a schematic block diagram of a system  100  for performing money transfer transactions and its surrounding environment. The main participants in the system are the customers  10  and an NBFI that already has effective money transfer systems in operation at its data center  102  and wishes to extend their utility and attract additional customers. Part of the NBFI&#39;s system  100  is one or more customer access portals  20  that provide access to one or more variants of the NBFI&#39;s services. These may include one or more customer service centers with customer services representatives (CSRs) to handle telephone calls from customers and to access relevant data at the NBFI&#39;s data center  102 . (The customer service center may be a single geographical location or a number of locations networked together to provide sufficient CSRs, with appropriate language capability, to effectively handle the contacts initiated by customers.) Also used to access the NBFI&#39;s system are NBFI “agents”, who are businesses independent of the NBFI that work under contract with the NBFI and have agent terminals with communication links to the NBFI data center. Agents serve as customer contact points for send transactions and also act as contacts points for money transfer recipients. Other devices or portals for accessing the existing NBFI data center  102  systems may include websites accessible by personal computers, mobile computers, mobile phones and PDAs or interactive voice response systems, all communicating with the NBFI&#39;s CSRs and/or data center  102 . In the system  100  the access portals  20  communicate with a database  54  and a distribution controller  50  running at the data center  102 , which interacts with customers  10  and their profiles  52  and send transaction records  60  for a range of money transfer transactions. 
     Verification services  40  may be used to help ensure the accuracy of information from customers  10 . For example, for confirming accuracy of a name, address, telephone number, or other information an individual may provide, a verification service that has aggregated and correlated large amounts of publicly available information may be consulted. Another form of verification service is one that checks the status of bank accounts or that performs a micro-deposit in an account (e.g., a few cents) and determines if a party claiming that account can accurately report the amount of the deposit, thereby showing accountholder status. A further form of verification may involve OFAC or other listings prepared by governments. 
     Payment sources  90  represent one or more accounts accessible by the NBFI for funds for send transactions. Alternatively, there may also be third party payment (as opposed to funding) sources  80 , such as bank accounts and credit or debit card accounts with companies that have contractual or network relations with the NBFI. A further class of system participants is payees  94 , recipients of a send transaction, which may be individuals or businesses. These recipients may receive a money transfer in any of the several ways offered by an NBFI and its agents, e.g., cash or money order at an agent, company or personal bank account deposit, home or office delivery, etc. 
     In the system as shown in  FIG. 1A , customers  10  who wish to take advantage of the system set up send transactions in a portion of a database  54  and then provide instructions to perform the transactions enabled by the send transaction records  60 . In the system as shown, customers  10  set up a distribution profile  52  in a database  54  and then provide instructions to perform the transactions enabled by that profile  52 . The first step in making a distribution profile  52  is for the customer to provide registration information. The first step in making send transactions is for the customer to provide sender registration information  12 . This is basic personal identification information, e.g., name and address, telephone number and also qualification information, which is a specified form of identification sufficient under applicable regulatory rules to permit the individual to make use of at least the basic level of money transfers, possibly also higher levels. In addition, registration may require multifactor authentication information and identification of at least one payment source  90  for funding transactions. This may be a prepaid or debit card that the NBFI is authorized to issue to the customer and for which the NBFI has made funding arrangements. This is advantageous, because the NBFI will itself have records of the status (including funds balance) for the card and will also have a relationship with the funding source  80 . However, as noted, the payment source  90  also may be a third party credit or debit card, a bank account or similar sources administered primarily by others but accepted as a payment source  90  for customer transactions. In one embodiment, the distribution profile  52  identifies a primary payment source  90  and one or more secondary payment sources, which the NBFI may choose to use for payment under certain circumstances. 
     Under the system of publication number 2008/0140568, during registration or thereafter, the customer  10  selects from among the available send transaction options and parameters and specifies for inclusion in the send transaction records  60  in distribution profile  52  one or more transactions that the customer wants to initiate, preferably transactions that the customer expects to initiate more than once. These are defined in transaction specification records (TSRs)  60  that specify the recipient, the selected send options and other parameters relevant to defining one or more money transfer transactions supported in the NBFI send system  120 . The transactions may be selected from among those offered by the NBFI through one or more of multiple transaction processing platforms  120   a,    120   b,    120   c,    120   d  that the NBFI has developed for conventional one-off cash transactions or other existing transactions types initiated from particular agent groups, or for particular transaction types or technology platforms. 
     Customer Interactions. The customer interactions with the NBFI system  100  may be described in three categories: (1) initial registration to establish a distribution profile  52 ; (2) updates and extension of the distribution profile  52 ; and (3) initiating send instructions. 
     Initial Registration. To begin use of the system, the customer  10  registers to establish a distribution profile  52  in database  54 . This distribution profile  52  becomes the staging platform for later send transactions of various kinds specified by the customer  10 . The content of the customer profile  52  and the use of the information stored in it permit the customer  10  efficiently to set up and initiate a range of transactions that are permitted and enabled according to the qualification and other information assembled in the customer profile  52 . The general content of a distribution profile  52  is in three parts, as follows: 
     Identification/Qualification—This is the basic personal information that identifies the customer  10 , such as name and address, optionally a telephone number. The nature of money transfer regulations is that only smaller amount transactions can be done with more limited identification. Larger transactions require additional identification in order for the customer  10  to be considered qualified to undertake such transactions. The NBFI must collect the available regulatory qualification information as part of its compliance. For example, the transaction size levels and identification qualifications may be as follows:
         $0.01 up to $A: name and address   $A up to $B: qualification/compliance data for the level below, plus photo ID, defined by ID Type, ID no., ID issuer and Legal ID,   $B up to $C: qualification/compliance data for the level below, plus occupation, any 3rd party information and other compliance information.       

     For example $A may be $250; $B may be $500 and $C may be $9999.99. With increasing government oversight of money transfers, there may be multiple and overlapping compliance rules and requirements that apply to a transaction, applied according to sender location, recipient location and location of agents or other transaction participants. 
     Thus, a customer for small amount transactions may provide identification by telephone while one who wishes to do larger value transactions will provide a photo ID, such as drivers license or passport, and/or additional information of interest to regulators. This may need to be done at an agent, with the agent&#39;s review of the credential and the resulting data entered from an agent terminal. With higher levels of qualification/compliance the distribution profile grows in power and also opens up transaction opportunities for the customer and NBFI. 
     The NBFI will want to (and may be required to) verify at least a portion of the identification/qualification information. This may be done by transmitting the information to various private parties that have databases of such information or the ability to investigate. For example, verification services that have public record collections may confirm name, address and telephone number information. Other verification services may be able to confirm the active status of or accountholder name on bank accounts and credit cards, or other funding sources  90  that a customer identifies. Where possible, this verification is done in real time, in a single customer-system interaction, but may also require multiple interactions. Verification may also involve submitting the information to a government agency or checking a government provided database. 
     Authentication—One purpose of a distribution profile  52  is to allow the customer  10  to initiate transactions easily. With cash no longer a prerequisite for a transaction, and assuming a customer payment source associated with a transaction has an active status, including available funds, a primary issue is authenticity of instructions. Thus, to insure that only the customer that established the distribution profile  52  can provide valid transaction initiation instructions and ensure only the customer can modify the profile  52 , it is important to have customer authentication data established during registration. For security, the present system uses multifactor authentication. Thus, the authentication section of the distribution profile  52  includes at least a personal identification number (PIN) and a second element, such as password or a question-answer pairing. In one embodiment, authentication data taken in at registration may include a biometric, such as codes or data derived from a fingerprint or a retinal scan, where the customer will have the ability to present that code/data later as part of his/her instructions. In another embodiment, the system may use the attributes of a physical token, such as a code number generator or a digital signature stored in a cell phone, PDA or similar device. The registration process prepares the system to perform a multifactor authentication check as a gateway to any transaction initiation or profile update. Only if the authentication credentials required by the distribution profile  52  are presented correctly will the distribution profile be available for use or updating. The multifactor authentication check may comprise checking both of two required factors (regular authentication), checking all of three or more required factors, matching any two of three or more factors, checking at least one required factor (e.g., a biometric, when available at a portal) and a second factor selected from two or more factors, or other combinations of available authentication factors. The factor combinations found most reliable can be derived from the system&#39;s ongoing analysis of fraud experience. 
     Transaction Staging Records—A third part of the customer distribution profile is the set of transaction specification records or TSRs  60  that are used to stage transactions for efficient execution. As part of registration, the customer  10  is presented a menu of transaction types and parameters offered by the NBFI under the distribution controller  50 . This menu may include a variety of transaction options from the two or more sending platforms  120   a - 120   d  that the NBFI data center  102  already supports. These may include, for example: individual to individual money transfers, where the payout is by cash or money order and where agent pick-up or courier delivery may be specified; money transfers to a bank account; money transfers to a debit card; money transfers for bill payment; and any other transfer operation the NBFI supports and for which the sender qualifies by the identification/qualification information in the profile record  52 . Thus, while not necessarily visible to the sender, the NBFI may execute the transaction on one of its existing sending platforms  120   a - 120   d  based on the transaction specification acceptable to that platform. 
     Each TSR  60  that the customer builds includes the parameters defining how that transaction is to be executed. For example, one TSR  60   a  may include the basic data needed for a send transaction to an individual, such as a send transaction to a recipient-spouse at one address or agent location. A second TSR  60   b  may specify the parameters for a send transaction to a recipient-grandparent at another address or agent location. The data needed to stage such transactions are those required by the NBFI&#39;s existing send systems. This typically includes recipient name and location. It may also include a form of payment and a recipient security question. In some recipient locations a customer may be able to specify a recipient deposit account or delivery instructions tailored to the recipient. Preferably, the initial TSR  60  information includes no send amount, because, as will be seen, that amount can be set flexibly at the time a transaction initiation instruction is provided. However, if desired, a default send amount may be specified. All other transaction details may be provided; these may involve varying exchange rates and fees, such that the final send amount and any associated fees are the only elements of the transaction that need to be determined to make the send transaction ready for execution. Further, the TSR  60  may contain or have access to all compliance information relevant to the transaction it contemplates, so that when the TSR is used to make a live send transaction, compliance is, wherever possible, already addressed. 
     The TSR  60  may include an identifier for a particular send platform that will handle the send transaction. The system provider may make that selection after receiving the TSR information. If the TSR  60  defines a transaction that may be handled by more than one existing platform, the TSR  60  may specify a first platform and a secondary platform to provide redundancy in case of system problems or to allow the NBFI to direct the transaction for processing based on network traffic conditions or cost factors (e.g., communication costs, network fees) not visible to the senders. 
     When an NBFI has bill payment available, one or more bill payment TSRs may be set up in the distribution profile  52 . These identify the biller, for example, a utility, car loan creditor, etc. If the payment is of a consistent amount, the amount of the bill payment or a default amount may be specified; otherwise, this amount is determined at the time of transaction initiation. 
     In some instances, where the customer  10  has regular payment plans or obligations, the timing and number of the transactions can be specified with the other TSR details to define a payment sequence, e.g., bill payment by the first of the month or the fifth of a month, with a sequence of ten monthly payments. This portion of a TSR  60  can become the basis for transaction initiation that is automated. In this case, the TSR  60  may provide a complete payment plan for addressing a customer debt. Where the biller works closely with the NBFI, the NBFI can guide the payment sequence TSR to fit biller requirements for a payment plan, where the sender is willing and able to meet these. 
       FIG. 1B  is an adaptation of  FIG. 1A , to show elements of the present system and method. The customers interact with the NBFI Data Center  102 , via retail POS devices  13 , access devices and portals  15  that communicate with completion interfaces  17  and kiosks  19 , all of which communicate with a retail purchase controller  50   a.  The retail purchase controller  50   a  communicates with database  54 . Among the data and executable software components stored in database  54  are Retail POS Interface  52   a , a Completion Interface Library  52   b  and a Send Transaction database  52   c , that contains Transaction Specific Records  60  (including Retail Send Transaction Records  60   a - 60   n ), in various complete and incomplete forms and various states. For the present system and method, the retail purchase controller  50   a  is a central component of the data system  100 , consisting of hardware for executing various executable modules and the software modules that execute to perform the various data communications and transformations of money transfer send transaction records, as these are created, funded, activated and deactivated as money flows through the system  100  from customers to recipients. The present system and method also includes a prepayment account  90   a  for storing the funds of the funded send transactions.  FIG. 1B  also shows the payees/money transfer recipients  94  who engage in the receive transactions at a plurality of receive locations  96  in communication with the NBFI send systems  120 . 
     The system  100  of  FIG. 1B  uses certain core components of the NBFI data processing systems  102  (which has processors, memory and operating systems), including the existing send systems  120  (e.g., legacy platforms  120   a - 120   d ) and its compliance system  122 , which addresses the regulatory aspects that vary by transaction amount and jurisdictions governing sender, recipient, any agent involved and/or the NBFI. Thus, the retail send transaction records  60   a - 60   n  are assembled so that the transaction specified will normally satisfy the requirements of the NBFI compliance system  122  that will be applied when a send transaction record  60   a  is transformed into a funded, active send transaction. For clearer explanation, the retail send transaction records  60   a - 60   n  are shown separate from the other send transaction records; however, they may be implemented to be in the same database as one or more other collections of money transfer transaction records or in a different one. Further, the system  100  may make use of the existing NBFI settlement system  130  to send and receive payments due to or owed from agents, billers, prepayment account  90   a  and other system participants. The retail purchase controller  50   a  serves as the coordinator for exchanging information with customers  10  and preparing the send transactions it processes by making use of the existing components of the NBFI data center  102  and working with the send transaction records  60   a - 60   n.    
     The present retail transaction system makes use of the NBFI data center  102  by using a retail purchase and a purchaser interaction at a completion interface to develop a completed send transaction record within the system of  FIG. 1B . The present system goes beyond prior systems by allowing a customer to specify in the system and thereby instruct a relevant agent and/or agent terminal to provide in association with the receive transactions, certain features unique to the product type of the money transfer send transaction the purchaser sets up at the completion interface. 
       FIG. 9  depicts in schematic form the information fields in one embodiment of a send transaction record as used in the present invention. Although fields are shown in  FIG. 9  as containing data, it will be recognized that the fields may also contain pointers to other fields that actually contain the data. A typical transaction record may contain the following fields: Transaction Identifier  902 , Product Type  904 , Sender Information  906 , Recipient Information  908 , Active/Inactive status  910 , Funded/Unfunded status  912 , and Delivery Features  914 . The fields may have the content and/or data types shown in  FIG. 9 . While the fields are largely self-explanatory, a few merit further definition: Product Type  904 —has to do with the particular money transaction or the specific money transfer purpose that is represented by the record, e.g., a $50 domestic graduation gift transfer; a transfer from a U.S. sender to a Honduran recipient with a U.S. currency value of $100, to be delivered to a bank account; Active/Inactive status  910 —specifies whether a funded transactions is ready for a receive transaction, is not yet ready or has already been paid out; Funded/Unfunded status  912 —specifies whether money has been paid in for the particular send transaction; and Delivery Features  914 —specifies a variety of actions that may be sender-selected to occur as part of a receive transaction, including actions that express the sender&#39;s purpose for the send (which may include various text and images provided by a sender, as well as menu selections). Other fields  916  may be added to carry other information that may be relevant to a retail money transfer or congruent with other send transaction records (date/time stamp, internal audit data, regulatory data) or each record may contain a pointer to an entry in another database that contains related data, such as retail purchase details. This leaves the record shown in  FIG. 9  compact and focused on the financial and delivery feature details of the retail money transfer transactions. 
     Token for Purchase at POS: 
     The money transfer retail product may be embodied in the form of a physical token that represents the particular money transfer to be purchased. The customer may purchase the token at a convenient location, such as a retail or merchant location. In one example, tokens representing a variety of common transactions, selected based on consumer research, may be displayed for sale near the checkout lane of a retail grocery store, convenience store, gas station, department store, etc. A person making grocery or other purchases may conveniently select a token and provide it along with other purchases/grocery items to the clerk for purchase at checkout. It is intended that tokens may be offered for sale at any convenient retail location that a customer may visit to make purchases, so that the customer does not have to locate and make a separate trip to a dedicated money transfer office/station or counter, or otherwise follow the traditional process used for paying in money for transfer. Furthermore, no personal information needs to be provided to the retail clerk to purchase the token, and the price of the token may be simply added to the total price of all items being purchased at the store. 
     It should be appreciated that the term “token” is used herein in a broad sense, and may be implemented in many different forms. For example, it may include (but is not limited to) a card-like structure, a package, a smart card, a ticket, or any other tangible item that may be presented to and selected by a customer and that bears product information (to be described below) that can be used to identify the token for purchase at a POS terminal. 
     Tokens may be differentiated by product type. Among the dimensions that determine different product types are: different sender purposes (e.g., birthday, anniversary, congratulations on new baby); send amount; currency or recipient jurisdiction; delivery mode (e.g., agent, account, home, etc.); and delivery features (e.g., gift envelope, gift card, e-mailed card, printed custom card). Thus, each token, when purchased, represents a certain fixed set of features that are its retail product core identity, but it is also associated with a completion interface matched to the product type that allows the sender not only to provide necessary transaction details but to select from available delivery features that tailor the receive transaction to the sender&#39;s preferences. 
     In one embodiment, a token may have a displayed face value or denomination, e.g. $25, so that a customer knows the transfer amount when the instrument is selected. A service or money transfer fee may also be displayed on the token, which may be added to the face value for the total purchase price. (However, in some embodiments, the token need not have a face value, but rather may be specified to have a monetary amount selected by the customer at the time of purchase and communicated to NBFI system  100  for the corresponding send transaction record.) The money transfer product package or token package may carry transaction identification (ID) information or product data, e.g., in the form of a UPC or SKU code, that can be scanned and read at the POS terminal. As depicted in  FIG. 8A , a token  800  in the form of a card may include a printed transaction ID  801 , a personal identification number (PIN)  802  (which may be revealed by “scratch-off” by the consumer after purchase, so as to prevent fraud), and an SKU barcode  803 . Other forms of transaction ID may be employed, as well as other printed numbers and other data useful for retail purchase analysis, which may be manually entered by the clerk at the POS terminal, or the token may have product or transaction ID data electronically stored on a magnetic stripe or smart card chip that may be read at the POS terminal. The instrument may also incorporate an RFID (Radio Frequency Identity Device) that electronically transmits transaction data. (As can be understood, any data to be stored on a token can be printed, stored in an optically coded mode or in an electronically coded mode, so long as a machine or a human can “read” the data for use in retail sale reportable to the MBFI data processing system.) The transaction identifier for each token alternatively may be created in and delivered from the NBFI system  102  by a POS interaction of the retail POS devices  13  with the NBFI system  102  over a communication network of any kind, and provided to the customer printed on a receipt along with any other items being purchased at the store, for later use in completing and activating the money transfer. To guide the purchaser, completion interface contacts  804  may be printed on the face of the token, or may be provided to the customer via a receipt provided by the cashier. 
     Alternatively, as depicted in  FIG. 8B , a token  810  in the form of a greeting card may include a greeting  812  representing the occasion for which the money transfer is purchased, for example, in the case of a birthday, a “happy birthday” greeting  812  may be displayed on the face of the card. Completion interface contacts  814  may be printed on the face of the card, or may be provided to the customer via a receipt provided by the cashier. Furthermore, reference numbers, which may include a transaction identification number and/or a PIN number may be included within the card, or on the face of the card as depicted at reference number  816 . Additional information may be provided in or on the greeting card  810  in accordance with the present disclosure, furthermore, sealing, masking or other additional security features may be included for or on the greeting card  810  as discussed above with respect to the card  800  in  FIG. 8A . 
     As will be appreciated, tokens, the visual attributes present thereon, and the packaging in which they are contained may take a form, shape, or configuration, and may display a design selected as appropriate for a particular sender purpose or occasion for which a retail-purchased money transfer may be desirable. As depicted in  FIG. 8C , various flat token designs are shown at reference numeral  821 , including printed or printable designs which may be appropriate for a birthday, Christmas, Hanukkah, Easter, college, or Mother&#39;s Day, for example. Further, various flat and three-dimensional token forms and configurations are shown at reference numeral  822 , including cards, greeting cards, key chains, and clips. 
     In general, the format and design of a token for purchase by the customer may represent or embody any desirable presentation to communicate to the customers that they are not merely purchasing a money transfer, but rather a gift embodied by the token. The presentation design of the token may be specific to the location, event, or gift for which the customer is buying the token, for example, a birthday, anniversary, wedding, etc. The token may take any form consistent with its data carrier functions and purpose-communicating functions referenced above. 
     Send Transaction Record Origination: 
     A money transfer purchase transaction for retail purchase in accordance with the present disclosure may be recorded in the NBFI data system  100  as either a card-created transaction or a pre-defined transaction. A retail transaction origination software module  62  stored in system  100  contains the software code executed to perform the steps required for these two modes of transaction origination. In embodiments wherein a card-created transaction  300  is recorded, as depicted in  FIG. 3  at step  302 , a range of transaction identifier numbers may be designated in the system  100  and protected for use with retail money transfer transactions at retail locations. At step  304 , each unique transaction identifier number may be added to a particular token, for example, printed on the token, bar code encoded, and/or magnetically or otherwise encoded. As previously discussed, the token is created so as to provide a merchandise transaction sale, such that the customer perceives the purchase is being made for a particular selected purpose, rather than just a transfer of money. At step  306 , a set of bulk transactions embodied in tokens may be delivered to or otherwise provided to a retailer and displayed for sale at retail location. The status of each transaction in the NBFI data system  100  (i.e., the status of each money transfer send transaction record) is initially designated by transaction origination module  62  as unfunded and inactive, with no corresponding “live” send transaction record stored in the NBFI data system, prior to purchase of the associated token by a customer. (A truncated listing or some other abbreviated record of transactions might exist, outside the send transaction record database. However, records in the send transaction database  60   a - 60   n  upon completion represent transferable money value and thus are created and modified with a high degree of system security.) 
     While shopping at a retail location, at step  308 , the consumer may select a token for purchase. At step  310 , the consumer may present the token to a cashier at the retail location, where the transaction identifier number may be entered, scanned, or otherwise read by a point-of-sale device. At step  312 , the point-of-sale device forms a transaction request data item which, in some embodiments, may include the face value of the token, the fee associated with the purchase of the token, and SKU. Then, at procedure  314 , after receiving payment, the cashier at the retail location sends the transaction from the point-of-sale device to the transaction database  324 . The status of the transaction record associated with the token may then be changed from unfunded and inactive to funded and inactive. 
     At step  316 , the customer who purchased the token may be instructed to complete the transaction record by entering sender, feature, and recipient information at a completion interface, which may include a telephone number to call, or use of a website, a kiosk, or a mobile application. At step  318 , the customer is presented and interacts with one of the completion interfaces (stored in completion interface library  52   b , see  FIG. 1B ) selected based on both the product type and the access platform the customer uses, as discussed in more detail below with respect to  FIG. 6A-6C . Once the send transaction record has been completed by the customer, the transaction status associated with the money transfer transaction represented by the purchased token is changed from funded and inactive to funded and active, as depicted at step  320 . When the send transaction record has this status, the funds become available for a receive transaction with the designated recipient, in a manner which will be discussed in greater detail below. At step  322  (assuming a receive transaction at an NBFI agent), the recipient may present the receive transaction identification number and receive the transferred funds. Alternatively, the funds may be sent directly to the recipient&#39;s bank account or other account. 
     Referring now to  FIG. 4 , alternatively, in embodiments where a predefined money transfer transaction  400  is recorded, a batch process (coded in the transaction origination module  62 ) at step  402  is used to create bulk money transfer transactions. These transactions are embodied in stored electronic records that may contain similar information to a card created transaction, including, for example, unique transaction identifier numbers, SKU data, and transaction status, which is initially set at unfunded and inactive (step  404 ). At step  406 , each unique transaction identifier is added to a token, using printed information, bar code, and/or magnetically or otherwise encoded means. At step  408 , a set of these bulk transactions embodied on tokens may be delivered to a retailer and displayed for sale. At step  410 , a customer may select a token representing a specific transaction. At purchaser checkout, the transaction identification number may be entered, scanned, or otherwise read by a point-of-sale device, at step  412 . The SKU will also typically be read as well, for retail transaction processing like other purchases. 
     Once the token has been scanned at the point-of-sale device, at step  414 , the specific transaction identifier or active send reference identifier (if not on the token) may be looked up (in a communication exchange with the NBFI system  100 ) and returned to the point-of-sale device for providing to the purchaser/sender. The transaction may then be funded at the point-of-sale, by, for example, the customer paying the purchase price, which may include the face value of the token plus a transaction fee. Thus, at procedure  416 , the status of the transaction record may be changed from unfunded and inactive to funded and inactive. 
     At procedure  418 , the customer may be instructed to complete the transaction record at the completion interface, as discussed above with regard to  FIG. 3 . At step  420 , the customer is presented and interacts with one of the completion interfaces (stored in completion interface library  52   b , see  FIG. 1B ), selected based on both the product type and the access platform the customer uses, as discussed in more detail below with respect to  FIG. 6A-6C . Upon completion of the completion interface, at procedure  422 , the transaction record status may be changed from funded and inactive to funded and active. The transferred money may then be available for a receive transaction with the recipient. The receive transaction may occur by pick up at a receive location of an agent of the money transfer company, when the recipient presents the transaction identifier at step  424 . Alternatively, the money may be sent to the recipient&#39;s bank account or other account. 
     With regard to either of the procedures described in  FIG. 3 or 4 , a database  324 ,  426 , respectively, may be provided to receive/provide the relevant transaction data at each procedure. The transaction databases  324 ,  426  may be in operative communications with the system  100  as described in  FIG. 1B  (and may be embodied in database  54 ), and thereby connected to the money transfer system  100  of the money transfer company (NBFI), while at the same time being in operative communication with the systems of the various retail stores/outlets where money transfer products (tokens) may be purchased. 
     Completion Interfaces: 
     Because the retail POS purchase context is not conducive to collecting transaction details, a completion interface may be provided for the customer to provide the details of the money transfer represented by the retail-purchased token, including information related to the recipient of the money transfer. That is, at the time of token purchase, (in most embodiments) the send transaction record lacks important data that must be completed to make a send transaction ready to be activated. The incomplete, place-holder send transaction record associated with a token before purchase is therefore transformed into a funded (but inactive) send transaction record as part of the POS transaction, but this funded send transaction record is further transformed into an active and funded send transaction record by use of a completion interface. 
     Such completion interfaces may be accessed by various access platforms or portals  15  (see  FIG. 1B ), for example, a telephone (e.g., from the convenience of the customer&#39;s home) to call a money transfer company customer service center, or a PC, PDA, smart phone or other electronic device with a screen display and a keyboard. The customer must provide authentication to access a completion interface for the send transaction record associated with a token purchased, by supplying an access controller  278  communicating with customer completion interfaces  280  ( FIG. 5 ) the transaction identifier and any PIN from the token. After authentication, a suitable completion interface is supplied to interact with the customer. In a telephone access example, the customer interacts with a CSR-based completion interface to provide the necessary personal and recipient information to a customer service representative at a CSR terminal (e.g., name and address of customer, and if a money transfer to an individual is the desired transaction, then also the name of recipient, pick-up location, and so forth). Among other possibilities, the completion interface interaction could also be handled by an automated Interactive Voice Response (IVR) system, using the key pad of a phone and/or voice responses in order to provide the transaction identifier and any PIN, and, after proper authentication, any required personal and recipient information. In other embodiments, the customer (sender) can use a personal computer, PDA, wireless phone, WAP (Wireless Application Protocol) enabled phone or other terminal to access a completion interface and enter required information at an internet website operated by the NBFI. In yet other embodiments, personal and recipient information could be entered at a self-service terminal (e.g., ATM or kiosk) at a publicly accessible location. Of course, the personal and recipient information could also be presented in person at a money transfer office. 
     To provide security against fraudulent access to a purchased transaction, the access controller  278  for the completion interface may allow access only when the customer enters a transaction identifier or a PIN that is not visible on the token when purchased. This identifier or PIN may be hidden under a removable layer (see  FIG. 8A ), hidden by packaging or otherwise concealed to all but the token purchaser. In one embodiment, the send transaction identifier is machine readable and not visible until token packaging is removed. Thus, absent carelessness by the token purchaser, only such purchaser will be able to get past the access controller to the completion interface associated with a particular transaction record that needs completion. 
     Referring now to  FIG. 5 , and in the context of the money transfer system as discussed above with respect to  FIG. 1 , the function of a completion interface system suitable for use with the systems and methods of the present disclosure is shown. As shown therein, a customer  10  can use various access portals  270 ,  272 ,  274  to the customer completion interfaces  280  to deliver information and customer selections to the data center  102 , i.e., to input and receive information relevant to money transfer transaction execution. In each case accessing a completion interface via a portal first requires entry of authentication information at access controller  278 , such as a transaction identifier and PIN from or associated with the purchased money transfer transaction token. A first portal for customer use is a telephone for contacting a CSR at a call center (or network)  270 . The CSR may be one of several working at the center (or network) and receiving communications from customers  10  using a telephone. The telephones may be spread over the geography served by the NBFI, as long as a communication link to the call center  270  can be established. For example, the customer  10  may reach a CSR from a home telephone or mobile telephone or use a dedicated telephone located at an NBFI agent office. The CSR is typically equipped with a CSR terminal that provides access to a completion interface for completing a send transaction record in the NBFI data center  102 . Following authentication, the CSR terminal receives interface screens adapted to the money transfer product type for the transaction corresponding to the transaction identifier provided. The CSR refers to these screens to get the customer&#39;s completion information entered into the database  54 ; that is, the terminal displays interface screens that guide the CSR through the completion process to help ensure that in the customer interchange the CSR collects and properly stores in the identified transaction record in database  54  all necessary completion information. 
     In addition to communication with a live CSR who provides customer/sender input at a terminal that connects to the NBFI data center  102 , the customer  10  using a telephone for access also may be handled by an interactive voice response (IVR) system, in effect, an automated CSR  270 . This IVR access portal leads the user through an information collection protocol designed to complete the transaction record. The IVR system can understand the necessary vocabulary or ask for certain information to be keyed in on a telephone or other voice device keypad to complete the transaction record. 
     A further access portal is a personal computer  272  that connects to an NBFI website via the internet or other communication channel or otherwise electronically communicates with completion interfaces  280  served from the NBFI data center  102 . Here, the personal computer (which may be owned by or merely be accessible to the customer  10 ) can receive completion interface screens stored in the NBFI database  54  and presented by the controller  50   a  and configured to collect sender and recipient information  282 ,  284  and other information needed to define the particular money transfer transaction the send desires to perform. These screens capture and return to the NBFI database  54  a customer&#39;s responses. Somewhat similar is portal access based on a kiosk  274  operated at retail store, mall, or other shopping center. As with a CSR, the NBFI via data center  102 , including controller  50   a,  or by terminal configuration, can present templates and other interfaces that will guide the kiosk user through the transaction completion interaction. 
     It is anticipated that, in addition to personal computers, customers  10  may also use PDA&#39;s and other personal communication devices  272  with internet or text message services to provide completion information to the NBFI data center  102 , based on input screens or other completion interface prompts that guide the customer through the data input and are suited to a smaller format display. Thus, the processes for collecting transaction completion information described herein can be carried out in a variety of ways on a variety of customer access devices. Interface drivers  281  may be employed to adapt the screens or other completion interface-defining data to suit a particular customer access device. Thus, a large screenview suitable for a PC may be partitioned into smaller screenviews based on the specific technical capabilities and limits of the customer access device. The interactions with the completion interface lead to the completion of send transaction records  60   a - 60   n  that are stored in the database  54  of the NBFI data center  102  and make the transaction ready for the receive process. 
     The customer completion interfaces are designed in association with the retail money transfer transaction product types and corresponding tokens. For each product type offered at retail, the system  100  has a completion interface that is adapted to the purchased money transfer. Thus, when a customer uses a portal for a completion interface interaction, and provides the identifier for the purchased money transfer transaction, the system finds the corresponding funded, inactive transaction record. Further, the controller  50   a  finds the product type data  914  (see  FIG. 9 ) and determines what screens in the completion interface library are to be presented for that purchased transaction. The screens are adapted to product type by completion interface elements reflecting the product type. The elements include one or more presentation elements selected from the group comprising: text, graphics, sound, video and combinations thereof. A completion interface presents to a customer at least one product type attribute selected from the group consisting of: a graphic that embodies a theme of the product type; a graphic that is reflected in a graphic on the token; music that embodies a theme of the product type; video that embodies a theme of the product type; and combinations of the preceding. For example, a birthday money transfer completion interface (set of screens) may have a birthday cake or balloon logo, may play a “Happy Birthday” or culturally equivalent tune, play a short birthday scene video or offer a mix of these. Such presentation elements are selected to evoke the sender&#39;s purpose or occasion. 
     The customer-interactive data entry portion of a completion interface  280  (as presented at, for example, website, kiosk, etc.) may be configured so as to allow the customer to easily and quickly enter all of the required information necessary to complete the money transfer transaction record, including selecting delivery features for the receive transaction that embody the sender&#39;s purpose for the money transfer. With particular reference now to  FIG. 6A , an exemplary, simplified embodiment of a completion interface  600  is shown, with interface screens  601 ,  602 , and  603 . These screens assume an initial sign-in screen/authentication screen has been presented and the customer has provided at least a transaction identifier from a purchased token. This identifier has led to a transaction record containing product type data ( FIG. 5, 904 ) that is analyzed by the controller  50   a  to identify the money transfer product type of the token purchased. Based on that product type, an appropriate completion interface is identified from among those stored in database  54  (Completion Interface Library  52   b ). To further the customer-selected retail purchase, the interface presents to the customer elements that express the sender purpose (e.g., the text and birthday cake illustration  610  shown schematically at the top of screen  601 ), and presents for selection delivery features (a delivery feature set) that embody the sender&#39;s purpose and preferences. The completion interface may also begin with a language selection option for the screens, e.g., ES for Spanish and ENG for English. The remainder of the example assumes English is selected. 
     At the screen of reference numeral  601 , the customer is prompted to input information concerning the sender  652  and the recipient  653 . For example, the customer may input name, address, and telephone number with respect to the sender  652  and the recipient  653 . Additionally, the customer may be able to select a receive/delivery mode  660 , the means and time by which the recipient may receive the money transfer. The option selections may include, for example, by agent of the money transfer company, by account identification number, and receive time availability choices of, for example, 10 minutes, 4 hours, or next day. 
     At the screen of reference numeral  602 , the customer may select from the delivery feature set for the specific product type instructions  654  accessible to an agent of the NBFI at the receive location. Such instructions may include the customer&#39;s selection from among one or more stored birthday messages (indicated symbolically at M 1 -M 5 ; in a real screen the messages would be viewable) or by entering a custom message. Such instructions may further include the customer&#39;s selection from further delivery features, such as whether the money transfer will be delivered in a birthday envelope, in a pre-designed birthday card or envelope, a card personalized with an added message or with a sender-selected design, or whether a custom e-Card, delivered by electronic means, e.g. e-mail, will be used (features b-d). If “Make Custom e-Card” is selected, another screen  603  is presented to enable card design. At reference numeral  603 , the customer may be able to custom design a card using menu  670 , by selecting from among a plurality of stored images or messages, or creating a custom image or message. Furthermore, the customer may be able to specify the means by which the custom card is delivered to the client, for example, by email, SMS message, or MIMS message or by agent printing. 
     Some selectable delivery features are based on the capabilities or the receive location and its terminal  96   a  (see also  FIG. 1B ). These may include an inventory of certain stock payout envelopes and cards  96   b ,  96   c  or other tangible deliverables and/or a printer that is part of or connected to an agent terminal  96   a  at which a custom message stored in the transaction record may be printed on a stock envelope or card or on blank card stock and dispensed. (In some embodiments, the selectable delivery features may include other deliverable options, such as delivery of flowers, sweets or some other relatively common form of gift that a receive location may have reliable access to for inclusion as part of a receive transaction.) In one embodiment, as seen in option f in screen  602 , the agent terminal is equipped with a camera  96   d  and the customer may select as a delivery feature that the agent takes a picture of the recipient for transmission back to the data center  102  and ultimately communication to the sender. Thus, in some embodiments, the agent may be further instructed to take the picture of the recipient in connection with receiving the money transfer (gift) for subsequent viewing by the customer. This allows the customer to see the recipient&#39;s reaction upon receiving the gift, as may occur in a traditional person-to-person gift situation. 
     Additional examples of completion interfaces  620  and  640  are shown at  FIGS. 6B and 6C , respectively. As can be seen, each of these completion interfaces  620  and  640  has certain presentation aspects (Mexican flag, birthday logo) that reflect the particular money transfer transaction or product type that the sender purchased. 
     As seen in  FIG. 6B , the customer first sees an authentication screen  611 , that references a number printed in the purchased token for sending $100 to Mexico. In screen  612 , the customer is prompted to enter sender identification and contacts. In screen  613 , the customer is prompted to enter recipient identification. In screen  624  ( FIG. 6C ), the customer selects a type of greeting (electronic or paper). In screen  625  ( FIG. 6C ), the type of greeting is further specified with a menu of options, selection of images, an opportunity to upload images and a place to type a message. In screen  614 , the customer may select a recipient notification method, referencing associated explanations. 
     As seen in  FIG. 6C , the customer again first sees an authentication screen  621 , that references a number printed in the purchased token for sending $100 of a Happy Birthday gift. In screen  622 , the customer is prompted to enter sender identification and contacts. In screen  623 , the customer is prompted to enter recipient identification. In screen  626 , the customer selects a receive notification and method. 
     As these examples demonstrate, the customer interfaces can vary widely in both their presentation elements, reflecting the purchased transaction, and in the available delivery features and associated prompts for sender selections. Thus, the completion interfaces delivered provide the opportunity to fit a wide variety of money transfer situations that may be suitable for retail purchase. 
     Receiving the Money Transfer: 
     The last phase of a retail purchase money transfer as described herein is a receive transaction. The receive transaction typically happens at an NBFI agent receive location, i.e., one that is equipped to deliver cash or other money instruments having the money transfer value. The agent receive location ( FIG. 1B, 96 ) may also be called on to provide the delivery features selected by the sender from the delivery feature set offered at the completion interface. For some money transfers, the money transferred may be deposited in a bank account, making a recipient visit to a receive location unnecessary. However, even with an account deposit, a sender may specify delivery features that occur at the receive location of an NBFI agent. For example, the sender may want a custom printed card delivered to the recipient, even if it contains only an announcement of the account deposit. 
     The customer-purchaser of the retail-purchase money transfer may notify the recipient in several ways. For example, in the case of a token which is embodied in a greeting card, the customer may simply send the token to the recipient in the traditional manner of sending a greeting card. Alternatively, for greater speed, the recipient may be notified by electronic means, for example, by telephone, text message, email, etc. Such electronic notification means may include similar information as would be present on the greeting card token, so as to allow the recipient to claim the money transfer at an agent of the NBFI, for example, the transaction ID or PIN. The NBFI send system  120  interacts with the retail purchase controller  50   a  to communicate notification to recipients  94 . 
     After the recipient has been notified of the money transfer sent by the retail purchase customer, either by the electronic means discussed above, by greeting card sent through the mail, or other means, the recipient may go to a local agent of the NBFI to receive the specified money transfer. (As noted, in alternative embodiments, the money transfer may be sent directly to a bank account or other account of the recipient.) 
     In order to receive the money transfer, the recipient may present evidence to the agent of the transaction identification number, and may also be required to provide additional information to the agent, to include, for example, appropriate identification or other personal verification information (e.g., a specified question/answer). In embodiments where a greeting card is mailed to the recipient, the recipient may show the agent the greeting card and the transaction identification number printed thereon. Alternatively, if notification of the money transfer was received electronically, the recipient may simply provide the agent with the number. 
     The agent of the NBFI may provide the money transferred to the recipient in various forms, for example, cash, check, money order, cash card, etc. At this time, the recipient may also be provided with other sender-selected delivery features, such as a greeting card in embodiments where the greeting card was electronically sent to the agent to be printed out for delivery along with the money transfer (online or kiosk purchases) or where the recipient receives an electronic message via NBFI send systems  120  instructed by retail purchase controller  50   a.    
     Once the money transfer has been received by the recipient, data is returned from the receive location (agent)  96  to the NBFI indicating that the money transfer has been received. The NBFI, through the money transfer system, will then inactivate the transaction identification number and/or transaction record. Additionally, the agent may send to the NBFI a message from the receiver or a photo of the receiver taken by the agent upon receipt of the money transfer, for delivery back to the customer via NBFI send systems  120  controlled by retail purchase controller  50   a.  The customer may thus feel as if he/she were present during the delivery and receipt of the money transfer, further allowing the customer to view the money transfer not just as a transfer of money, but rather the giving of a gift for a purpose or an occasion. 
     With general reference to the embodiments previously described, an overview diagram of the system and method in accordance with the present disclosure is depicted in  FIG. 7 . At a retail POS, a customer  702  may select and purchase a token  704  with a unique transaction identification number. This token  704  represents one of a pool of transactions represented by data in database  712 . The transaction pool may be created by software in a central data system  714  (e.g., transaction origination module  62 ,  FIG. 1B ), where a batch process is run to create the transaction pool. This token  704  and its associated transaction identification number may be alternatively keyed in  705  to a POS device  706  by a retail associate  710  or scanned in  707  via a scanner input device  708  linked to the POS device  706 . After customer payment, stored transaction status associated with the token  704  in transaction pool  712  is changed from unfunded and interactive to funded and interactive  711 . The POS device may transmit the code stored on one of the tokens in a purchase transaction, or data representing a send transaction identifier of such token. The data representing a send transaction identifier may be the code itself or data from which the send transaction identifier may be derived, computed or found. Transaction identification information and any additional information associated therewith may be stored in a database  712 . See transaction record fields in  FIG. 9 . 
     At a later time, the customer  702  may complete the transaction using a completion interface, which may be accessed at a personal computer  715 . Use of the completion interface allows the sender to change the transaction status from funded and inactive to funded and active ( 713 ) and make selections from the delivery feature set for the money transfer product type. Again, this information collected via the completion interface may be stored in a database  712 . 
     The database at  712  interacts with a system  714  of the money transfer company, as previously discussed above and with regard to  FIG. 1B  (database  54 ). This system  714  maybe operatively connected to a POS device  716  of a receive location agent of the NBFI. Once the recipient  722  of the money transfer has been notified of the money transfer  718 , the recipient  722  may provide the receive agent  720  with a reference number  719  relating to the money transfer (i.e., a transaction identifier). Upon validation of the number provided as corresponding to a funded, active transaction and the system  100  providing a payout approval, the agent  720  may provide the recipient  722  with the corresponding payment  721 , which may include cash, or alternatively money order, electronic funds transfer, etc. Other deliverables as specified in sender option selection for delivery features may also be provided to recipient. 
     Kiosk for Use with System/Method: 
     In addition to being able to purchase a token from a retail store aisle or other display, in some embodiments, a customer may use a vending kiosk ( FIG. 1B  at  19 ) for part or all of a retail money transfer transaction purchase. The customer may be able to generate and design his/her own token using a self-service kiosk or other similar system. In addition to selecting from among a selection of pre-made token designs, a kiosk may allow the customer to create his/her own token design, add a personalized message, or otherwise customize the token. 
     A kiosk may generally comprise a self-contained vending apparatus, comprising a viewing screen, and a keyboard, mouse, joystick, push-button, touch-screen, or other controls (not shown) for allowing to user to select and manipulate the design of the token. The kiosk vending apparatus may further comprise a storing means for storing blank tokens, a printing means for printing the customer&#39;s selected design on the token, and a dispensing means for dispensing the customer&#39;s designed token upon completion. Conventional vending machines with screen display and printing capability may be adapted. Optionally, a kiosk  19  may further comprise a payment means for accepting payment from a customer, and an electronic connection means for operable connection with the money transfer system  100  as described with respect to  FIG. 1B . Kiosks may be located within a retail store, or within a larger retail establishment such as a mall or other shopping center. 
       FIG. 2A  depicts a simplified sequence of screens which may appear to the customer at a kiosk in accordance with the present disclosure for the creation of a money transfer token. First, at screen  201 , the customer selects the type of greeting to appear on the token, for example, birthday, graduation, wedding, birth, etc. Then, as depicted at screen  202 , the customer may customize and build a greeting card by selecting from among a catalog of images  220 , and from among a catalog of messages  222 . Alternatively, the customer may be allowed to enter his/her own message text. As will be appreciated, other aspects of the token may be designed/modified by the user. At screen  203 , the customer selects the amount of the transfer  230 . At screen  204 , the kiosk may display the completed token design (and face and fee amounts) for customer review on screen, which may include an image of the front and back of the card  240 . If the customer approves the token, he/she may accept the token design and print the token  242 . The kiosk and its control software will add an SKU (e.g., in bar code form) and a transaction identifier and/or PIN to product a token similar to those of  FIGS. 8A and 8B . The token may thereby be printed by the printing means of the kiosk, and dispensed to the customer via the dispensing means. The customer may then take the token to a cashier  244  for purchase of the token as described above with respect to the pre-made tokens ( FIGS. 8A and 8B ). Procedures for activating, completing, and sending the money transfer to the recipient in connection with the token may also be similar to as described above with the pre-made tokens. 
     In alternative embodiments, a kiosk may combine some or all of the design/selection of a token and purchase/completion/sending of a transaction in a single device (the kiosk). With continued reference to  FIG. 2A , an additional optional procedure on screen  203  may be included after screen  202  but before screen  204  wherein the customer may enter specific send transaction information, which may include, for example, the customer&#39;s name, address, and phone number ( 232 ), and the recipient&#39;s name and state and/or country of residence ( 234 ). As shown in  FIG. 2A , the token may then be reviewed, accepted, and printed with this additional information. The send transaction record resulting after purchase of a token produced with this kiosk interaction could proceed with a simplified completion interface action. 
     In further alternative embodiments, with reference now to  FIG. 2B , procedures  201 - 203  may be completed similarly as discussed above, however, at procedure  205 , after reviewing the token design, the customer may be able to substantially complete the completion process at the kiosk, rather than at a completion interface as previously described. To do that, the kiosk may present completion interface prompts at screen  203  to allow the customer to enter all of the information that otherwise would be entered separately at the completion interface. Thus, in addition to entering the money transfer amount, at screen  203  the customer may enter sender and recipient information ( 232 ,  234 ) and selected from a set of delivery features  236 . In the embodiment of  FIG. 2B , if the token design image is reviewed by and acceptable to the customer ( 250 ,  252 ), the customer also may accept and send the token to the recipient electronically  254 , for example, to the recipient&#39;s e-mail account or other electronic means of delivery, via the electronic connection means of the kiosk. In an alternative embodiment, the token design of a greeting card may be stored for later sending to an agent of the NBFI where the recipient will receive the money transfer, and the agent may print out the greeting card at that location for delivery to the recipient at the time that the recipient picks up the money transfer. 
     As shown further shown at screen  205  of  FIG. 2B , after the token design has been accepted and sent, the kiosk may print a receipt for the customer to take to the cashier and pay for the money transfer, thereby completing the send transaction. Alternatively, to avoid a POS checkout line, the send transaction may be completed by the customer paying for the money transfer at the kiosk itself, via the payment means, which may include, for example, a cash receiving apparatus, or a credit card scanning apparatus, or any other known payment means. In these embodiments, the kiosk would thereafter electronically update the status of the send transaction to “funded” via the electronic connection means to the money transfer system  100  as shown in  FIG. 1 . 
     On-Line Purchase: 
     In alternative embodiments, the customer may be able to design, purchase, activate, and send a special purpose money transfer in accordance with the present disclosure via electronic means over the internet or another communication network. In these embodiments, the customer may access a website or electronic portal of the money transfer company using, for example, a personal computer, and may design and customize a token in the manner described above with regard to the kiosk embodiments (see  FIGS. 2A, 2B ). In one embodiment, suitable for access by a personal computer, the website or electronic portal has the additional capability of users uploading their own images for use in creating the token. 
     The website/electronic portal not only allows token design but also allows transaction completion and payment, i.e., the customer may pay and enter the information as would be required by a separate completion interface, to enable activation of the money transfer. The money transfer may be paid for over the internet, through a secure payment means which may include, for example, credit card, electronic funds transfer, or other electronic payment means. In some embodiments, the customer may then print out the token using a printer, for example, connected to their personal computer, and send the token through the mail to notify the recipient in the traditional way. Alternatively, the customer may enter additional contact information of the recipient so as to allow electronic notification, for example, via e-mail, text message, or voicemail. 
     A benefit of this website/electronic portal over other on-line money transfers is that the website/electronic portal can provide a purchaser interface that presents money transfer transactions for defined purposes and in specified amounts. Further, the website/electronic portal may present a completion interface as described above, adapted to the money transfer product type and permitting the customer to select delivery features for the receive transaction (see  FIGS. 6A-6C ). It will be seen that screens already described for delivery feature selection may be used in this on-line purchase embodiment. Thus, the customer can make a money transfer for a specific purpose or occasion and can control the delivery features as in other retail POS embodiments. 
     Bill Payment: 
     The money transfer retail purchase system described above also permits bill payment. It is expected that the retailers would seek to focus on money transfer bill payment to selected common billers in the retailer area, such as utilities or a dominant retailer, restaurant chain or institution. Thus, the token for a bill payment is biller specific. The amount of a bill payment money transfer may be fixed or selectable at the retail POS. That is, the money transfer transaction may be purchased for a $50 payment to “Local Electro” or a payment in a range from $20 to $200 to “Local Electro”, as specified by the purchaser at retail checkout. 
     With the biller already known as recipient, the primary purpose of the delivery features of the completion interface becomes to identify the sender and ensure that the payment is credited to the sender&#39;s account with the biller or an account at the biller selected by the sender (e.g., the credit account of a relative with that biller). Thus, a bill payment completion interface may elicit account numbers, address, recent transactions or other account-identifying information to help ensure the payment is properly credited, although it will not be accompanied by the usual biller-supplied billing documentation. The completion interface may also permit the sender to make the payment at a desired time, selected at a screen (not shown) or other prompt of the completion interface, after the bill payment money transfer purchase. 
     Within the NBFI settlement system  130 , the NBFI may aggregate sender payments for deposit to a bank account of the biller, or for some other form of settlement with the biller. The sender need not know the biller bank account details. The NBFI may offer bill payment money transfer products as described herein only for a select group of billers for whom the NBFI has all necessary account or other payment details. The customer gets the convenience of making the bill payment in a retail purchase setting, plus a brief encounter with the completion interface, with no need for a checking account. 
     Prepayment by Retailer Option: 
     As noted above, the present system and method allow an NBFI to create a batch of money transfer transactions of various product types for retail sale. Payment to the NBFI follows from payment by a customer at a retail POS and the NBFI&#39;s settlement with the retailer. In an alternative embodiment, a batch of tokens prepared by an NBFI (see  FIGS. 3, 4 ) may be purchased and prepaid by a retailer for subsequent resale to customers at the batch purchaser&#39;s retail location(s). In these embodiments, the system  100  of the present disclosure will further include a means for receiving and storing prepayment information, such as in a database  54 , as part of the send transaction records, to distinguish between prepaid tokens and non-prepaid tokens. In these embodiments, rather than customer payments being directed to the NBFI, payment is retained by the retailer, as the NBFI has already been compensated for the purchase of a token by the retailer&#39;s prepayment. For example, as depicted in  FIG. 1B , the settlement system  130  may be linked with prepayment account  90  via the retail purchase controller  50   a.  The prepayment account  90  may be adapted so as to be able to receive a bulk payment from a retail store for the purchase of a batch of tokens with associated transaction identifier numbers. Some risks associated with the money transfer transaction, for example, fraud or fake tokens, and management of exceptions and returns, may therefore be transferred away from the NBFI and on to the retailer. Further, the retailer can assign to the SKU of a purchased batch of tokens its own fee pricing. This pricing can reflect the retailer&#39;s marketplace and the risks it believes it has taken on. 
     The NBFI computer system  100  includes a module for recording payments received from a retail seller for the plurality of tokens. In one embodiment, the payments are equal to a face amount and a transaction fee set by the NBFI for each product type. In another embodiment, the payments are in an amount equal to or approximating the aggregated send amounts of the plurality of tokens. The time value of money may permit the NBFI to discount the face value of the send amounts or to charge a lower transaction fee in the case of retailer prepayments. 
     Although no payments travel to the NBFI as a result of a POS retail purchase, the system  100  still needs prompt communication from the POS devices  13  of the POS sale of a token, so that it can make the corresponding send transaction record funded and be prepared to present the completion interface and, upon sufficient completion, making the send transaction record active. 
     A person skilled in the art will understand that the present system will be implemented in both hardware (computers with CPUs and primary and secondary memory) and both system and application software. In particular, as seen generally in  FIGS. 1B and 5 , the system may be implemented on one or more general purpose computers (with appropriate communication links to hardware outside the Data Center  102 ) executing software programmed to perform the computations, communications and other functions described in this specification and the drawings. 
     While a detailed description of presently preferred embodiments have been given above, various alternatives, modifications, and equivalents will be apparent to those skilled in the art without varying from the spirit of the invention. Therefore, the above description should not be taken as limiting the scope of the invention, which is defined by the appended claims.