Patent ID: 8412633

Claim:
A method for evaluating electronic value transfers, the method comprising: receiving a plurality of money transfer requests at a host computer system, wherein the money transfer requests include a first sender identification associated with a first money transfer request and at least a second sender identification associated with a second money transfer request; electronically storing records of the money transfer requests in memory at the host computer system; performing an analysis of the records at the host computer system wherein the analysis indicates the first sender identification and the second sender identification are related; creating a reference designator at the host computer system, wherein the reference designator is associated with the first sender identification and the second sender identification, and wherein the reference designator is stored apart from the records of the money transfer requests; and searching the records of the money transfer requests according to a specified criteria to determine if any of the money transfer requests associated with the reference designator are suspicious money transfer requests; flagging any suspicious money transfer requests at the host computer system; wherein the first sender identification is selected from a group consisting of a sender name, a sender number, an agent number, a sending data, a sending location, a sender phone number, a sending time, a sending message, and a sending amount; and wherein the suspicious money transfer requests are selected from a group consisting of; (a) a transfer from a first sender to a second sender followed within a specified period by a transfer from the second sender to the first sender; (b) a group of transfers from a sender to a group of receivers, wherein the aggregate amount of the group of transfers exceeds a specified level; (c) one or more transfers from a sender to a receiver, wherein the aggregate amount of the one or more transfers exceeds a specified level; (d) a group of transfers from a group of senders to a receiver, wherein the aggregate amount of the group of transfers exceeds a specified level; (e) two transfers from a first sender to a second sender that are followed within a specified period by corresponding transfers from the second sender to a receiver; (f) two or more transfers from a sender to a receiver, wherein the two or more transfers are initiated from two or more distinct locations within a region; and (g) two or more transfers from a sender to a receiver, wherein the two or more transfers are received at two or more distinct locations within a region.