Patent ID: 8152054

Claim:
A system for facilitating money transfers, the system comprising: a memory device; and a processor coupled with the memory device, wherein the memory device has sets of instructions stored thereon which, when executed by the processor, cause the processor to: establish a money transfer record associated with a money transfer card make the money transfer card available for sale at a vendor location; receive at the request of a sender, a money transfer activation request associated with the money transfer record, wherein the money transfer activation request includes an activation amount of money to be associated with the money transfer card; receive, from the sender, the sender's and at least one receiver's personal identification information; receive from the sender a fulfillment request wherein the fulfillment request comprises a request to transfer a first portion of the activation amount of money to the receiver; in response to the fulfillment request, send a money transfer transaction identifier to the sender; authorize a money transfer associated with the money transfer record to the receiver based on receipt of the money transfer transaction identifier; receive from the sender a second fulfillment request, wherein the second fulfillment request comprises a request to transfer a second portion of the activation amount of money to a second receiver; and in response to the second fulfillment request, sending, by the money transfer host system, a second money transfer transaction identifier to the sender.