Patent ID: 8504473

Claim:
A computerized method for transferring funds from a sender to a stored value account for a recipient with a recorded message, the method comprising: receiving at a host computer system a request for a fund transfer from the sender to the stored value account, wherein the sender makes the request for a fund transfer at a transaction processing device; receiving a payment from the sender through the transaction processing device for the fund transfer to the stored value account and transmitting payment confirmation to the host computer system; assigning an identifier to the fund transfer at the host computer system; providing the identifier to the sender through the transaction processing device; receiving the identifier from the sender through a first communication device, wherein the first communication device is different from the transaction processing device; receiving a recorded message from the sender through the first communication device and transmitting at least a copy of the recorded message to the host computer system; associating the recorded message with the fund transfer to the stored value account at the host computer system using the identifier; receiving a request from the recipient to receive the recorded message through a second communication device, wherein: the request includes the identifier, and the second communication device is different from the first communication device and the transaction processing device; and providing the recorded message to the recipient through the second communication device wherein: the recorded message includes instructions directing the recipient as to how a stored value card associated with the stored value account can be obtained by the recipient; and the funds associated with the fund transfer request are available to the recipient only after the recorded message has been provided to the recipient.