Patent ID: 7641109

Claim:
A method of facilitating money transfers, the method comprising: establishing a money transfer record associated with a money transfer card; making the money transfer card available for sale at a vendor location; receiving, from the vendor location, at the request of a sender, a money transfer activation request associated with the money transfer record, wherein the activation request includes an activation amount of money to be associated to the money transfer card; receiving, from the sender, the sender's and at least one receiver's personal identification information; receiving 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, sending a money transfer transaction identifier to the sender; authorizing a money transfer associated with the money transfer record to the receiver based on receipt of the money transfer transaction identifier; receiving 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 a second money transfer transaction identifier to the sender.