Patent ID: 7258274

Claim:
A method authorizing remittance of money by a non-financial institution comprising: providing a customer with a debit card; loading cash value on the customer's card and setting up a customer account; obtaining from the customer a) customer's name, customer's address, and customer's phone number and b) a recipient's name, recipient's address, recipient's phone number, and recipient's recognizable government identification number; limiting the amount of money that may be loaded onto the customer's card and the number of cards issued to the customer by a central processing center of the non-financial institution to comply with government restrictions; verifying the personal information and the ability to transfer money of the customer and the recipient with the Office of Foreign Assets Control of the United States Treasury; establishing a recipient account related to the customer's account after verification; authorizing transfer of requested amount of money from the customer's account to the recipient's account; and providing the recipient access to the recipient's account.