Patent ID: 8387868

Claim:
A method of performing money transfer send transactions comprising: receiving at a non-bank financial institution (NBFI) data center registration information from a customer, the registration information including payment source identification, and based on the registration information, generating a distribution profile; receiving at the NBFI data center from the customer send transaction specifications for staging each of a plurality of proposed send transactions and storing the send transaction specifications in the distribution profile; controlling an interactive voice response system as an access portal communicating with the NBFI data center for initiating money transfer send transactions; receiving from the customer, via the interactive voice response system, a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile; verifying the authentication data and presenting to the customer a send transaction option corresponding to each of two or more of the plurality of proposed send transactions in the identified distribution profile; receiving from the customer, via customer response to the interactive voice response system, a selection from the send transaction options; and based on the customer selection and the payment source identification from the distribution profile, initiating a send transaction, and a delivery of funds from a NBFI send system of the NBFI data center communicating with a non-bank agent network, according to the send transaction specifications for the proposed send transaction corresponding to the selected send transaction option.