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    • 16. 发明授权
    • Money transfer transactions via pre-paid wireless communication devices
    • 通过预付费无线通信设备进行汇款交易
    • US08510223B2
    • 2013-08-13
    • US11462223
    • 2006-08-03
    • Paul BlairRex LieuranceDiane Scott
    • Paul BlairRex LieuranceDiane Scott
    • G06Q40/00
    • G06Q20/40145G06Q20/10G06Q20/28G06Q20/32G06Q20/3223G06Q20/349G06Q20/38G06Q20/40G06Q20/4016G06Q40/00
    • The present invention generally provides systems and methods for performing money transfer transactions via a wireless communication device, such as a cellular phone. In accordance with the invention, the wireless communication device is associated with, or automatically linked to, at least one payment source account (i.e., the wireless communication device is associated with a payment source account that may be automatically charged for payment of account balances, authorized charges, and/or money transfers). In a preferred embodiment, the wireless communication device is associated with at least one pre-paid payment source account. In one example, the wireless communication device is a pre-paid cellular phone and/or is associated with a pre-paid money transfer account. In certain aspects, the wireless communication device may access a pre-directed phone number, e.g., *55, to access a money transfer service provider. Once connected to a money transfer service provider, a user may initiate a money transfer via the wireless device, which is optionally paid to a payee in-person at a money transfer service provider location.
    • 本发明总体上提供了经由诸如蜂窝电话的无线通信设备执行汇款交易的系统和方法。 根据本发明,无线通信设备与至少一个支付源帐户相关联,或者自动链接到至少一个支付源帐户(即,无线通信设备与支付源帐户相关联,支付源帐户可以自动收取帐户余额的支付, 授权费用和/或汇款)。 在优选实施例中,无线通信设备与至少一个预付费支付源帐户相关联。 在一个示例中,无线通信设备是预付费的蜂窝电话和/或与预付费的汇款帐户相关联。 在某些方面,无线通信设备可以访问预定义的电话号码,例如* 55,以访问汇款服务提供商。 一旦连接到汇款服务提供商,用户可以经由无线设备发起汇款,该无线设备可选择地在汇款服务提供商位置亲自付款给收款人。