Patent ID: 8768853

Claim:
A method comprising: connecting a call from a sending device associated with the sender to a receiving device associated with a receiver; generating a remittance transaction to transfer funds from an account of the sender to an account of the receiver, the generating of the remittance transaction being initiated by the sender via the sending device through the connected call between the sending device and the receiving device, the generating of the remittance transaction being performed by a processor of a machine; notifying the receiver via the receiving device of a secret; transmitting the generated remittance transaction to a disbursement agent; receiving the secret from the disbursement agent, the secret provided to the disbursement agent by the receiver via the receiving device; and transmitting the funds associated with the remittance transaction for disbursement to the disbursement agent based on the secret provided by the sender matching the secret with which the receiver was notified.