基本信息:
- 专利标题： GLOBAL REMITTANCE PLATFORM
- 申请号：PCT/US2005/039137 申请日：2005-10-28
- 公开(公告)号：WO2006050195A3 公开(公告)日：2006-05-11
- 发明人： AYALA, Daniel, I. , GUTIERREZ, Eugene
- 申请人： WELLS FARGO BANK, N.A. , AYALA, Daniel, I. , GUTIERREZ, Eugene
- 申请人地址： 420 Montgomery Street, san Francisco, CA 94104 US
- 专利权人： WELLS FARGO BANK, N.A.,AYALA, Daniel, I.,GUTIERREZ, Eugene
- 当前专利权人： WELLS FARGO BANK, N.A.,AYALA, Daniel, I.,GUTIERREZ, Eugene
- 当前专利权人地址： 420 Montgomery Street, san Francisco, CA 94104 US
- 代理机构： GLENN, Michael, A. et al.
- 优先权： US60/623,198 20041029; US11/260,962 20051027
- 主分类号： G06Q40/00
- IPC分类号： G06Q40/00
摘要：
The invention provides a remittance platform in which an enterprise, such as Wells Fargo, serves as a remittance transfer agent, where the remittance function is integrated with a bank. The invention allows access to the remittance program by both account holders with the enterprise and persons who do not have an account with the enterprise. The person accessing the service may pick the remittance service they want and the country they want. However, the service is not anchored to a particular account and can therefore work with both bank partners and non-bank partners and account holders and non-account holders. Further, the system may be private-labeled. Additionally, the invention provides a mechanism that allows one to send money easily to other countries and it allows bank partners to participate in the program easily as well. This is possible because the enterprise provides all of the processing in an integrated fashion.