Patent ID: 8336768

Claim:
A method of facilitating money transfers, the method comprising: establishing a money transfer record associated with a money transfer package; making the money transfer package available for sale at a vendor location, the money transfer package denominating an amount of money associated with the money transfer package; receiving a money transfer activation request associated with the money transfer package, the activation request including an activation amount of money to be associated to the money transfer card; receiving from a sender a money transfer fulfillment request, the money transfer fulfillment request comprising: a request to transfer a first portion of the amount of money to a first receiver; the sender's personal identification information; and the first receiver's personal identification information; in response to the money transfer fulfillment request, providing a money transfer transaction identifier to the sender; authorizing payment of a money transfer associated with the money transfer record to the first receiver based on receipt of the money transfer transaction identifier from the first receiver; receiving from the sender a second money transfer fulfillment request, the second money transfer fulfillment request comprising: a request to transfer a second portion of the amount of money to a second receiver; and the second receiver's personal identification information; in response to the second money transfer fulfillment request, providing a second money transfer transaction identifier to the sender; and authorizing payment of a second money transfer associated with the money transfer record to the second receiver based on receipt of the second money transfer transaction identifier from the second receiver.