Patent ID: 8567668

Claim:
A method comprising: receiving registration information and money transfer transaction specifications from an access portal, the registration information identifying a payment source for staging a plurality of staged send transactions based on the money transfer transaction specifications; generating a distribution profile at a data center, based on the registration information; storing the money transfer transaction specifications in the distribution profile at the data center; identifying the distribution profile at the data center, in response to an initiation instruction and associated authentication data received at the data center from a user; identifying one of the money transfer transaction specifications, based on the initiation instruction; verifying a status of the payment source for funding one of the staged send transactions, according to the identified money transfer transaction specification; and initiating the staged send transaction for delivery of a send amount based on the status of the payment source at a time the send transaction is initiated; wherein the send amount is set at a time of the initiation instruction and is not included in the identified money transfer transaction specification.