Patent ID: 8751395

Claim:
A method for operating a computer system to prevent fraud in a money transfer receive transaction, the method comprising: receiving a send transaction request from a sender via a send computer for a money transfer including a send amount; causing a user interface to be provided at the send computer, the user interface prompting the entry via the send computer of a sender selected level of security for the receive transaction, the user interface providing a list of a plurality of security inputs to be supplied by a receiver for redemption of the money transfer; receiving via the send computer via the user interface one or more security inputs from the sender selected from the list of the plurality of security inputs; storing a send transaction record with the selected one or more security inputs in a server; receiving a receive transaction request from the receiver of the money transfer via a receive computer; causing a user interface to be provided at the receive computer, the user interface prompting the entry via the receive computer of the stored one or more security inputs for redemption of the money transfer; receiving via the receive computer via the user interface one or more security inputs from the receiver in response to the prompting provided by the user interface at the receive computer; authenticating the received one or more security inputs against the one or more security inputs of the stored send transaction record; and authorizing release of funds in the send amount if the received one or more security inputs are authenticated; and denying release of funds if the received one or more security inputs are not authenticated.