Patent ID: 8082210

Claim:
A non-transitory computer readable storage medium comprising computer readable instructions for processing a transaction where the transaction is initiated by a payor online but paid to a payee in-person, said computer readable instructions comprising instructions that when executed by a processor of a computer cause the processor to perform the method of: accepting, by a computer system, payor information at a location, wherein the payor is located across a wide area network from the location; accepting, by the computer system, transaction information at the location, wherein the transaction information includes an amount and a payee identifier; accepting, by the computer system, payment source information at the location, wherein the payment source information includes account details associated with an account of the payor at a money handler; evaluating, by the computer system, a risk score related to a likelihood that the transaction will complete successfully; referring, by the computer system, funding to be completed by the payor at a retail location linked with a payment enabler, if the risk score is below a first risk score threshold, wherein the payor is required to physically attend the retail location; referring, by the computer system, funding to be completed by the payor via telephonic interaction with the payment enabler if the risk score is between the first risk score threshold and a second risk score threshold, wherein: the payor is presented, via the wide area network, with a telephone number of the payment enabler; permitting, by the computer system, online funding of the transaction if the risk score is above the second risk score threshold; billing, by the computer system, the money handler for at least the amount; determining, by the computer system, if the money handler settles the amount; and storing, by the computer system, historical information on the transaction.