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1. 发明申请

WO2020163440A1 SYSTEMS AND METHODS FOR PROVIDING DISTRIBUTED LEDGER TECHNOLOGY-BASED TRANSACTIONS 审中-公开
公开(公告)号：WO2020163440A1
公开(公告)日：2020-08-13
申请号：PCT/US2020/016734
申请日：2020-02-05
申请人： MONEYGRAM INTERNATIONAL, INC.
发明人： VINSON, Yale P. , VAN HOEK, Bart S.
IPC分类号： G06Q20/00
摘要： Systems, methods, and computer-readable storage media configured to facilitate execution of transactions via a money transfer network are disclosed. During execution of the transactions, tokenized identity information may be utilized when exchanging transaction data between geographically distributed nodes of the money transfer network and the transactions are recorded to a distributed ledger maintained by the nodes. Smart contracts may be utilized to digitally sign transactions at various stages of transaction processing, such as at different stages of regulatory compliance validation and to authenticate the validity of the requested transaction (e.g., prevent double-spends). Utilizing tokenized identity information may reduce the likelihood that personally identifiable information (PII data) is obtained by or inadvertently provided to unauthorized third parties or systems. Additionally, the distributed ledger may record information in immutable records, thereby increasing the reliability and trustworthiness (e.g., for auditing purposes) of the data stored on the distributed ledger.

2. 发明申请

WO2012018880A1 VERIFICATION METHODS FOR FRAUD PREVENTION IN MONEY TRANSFER RECEIVE TRANSACTIONS 审中-公开
标题翻译：货币兑换交易中预防欺诈的验证方法
公开(公告)号：WO2012018880A1
公开(公告)日：2012-02-09
申请号：PCT/US2011/046363
申请日：2011-08-03
申请人： MONEYGRAM INTERNATIONAL, INC. , FULTON, Keith , VAN MATRE, Chris , STEIGER, JR., Billy Joe , SANDER, Eric J. , OLAMUYIWA, Olakunle H. , ESSAH, Georgina
发明人： FULTON, Keith , VAN MATRE, Chris , STEIGER, JR., Billy Joe , SANDER, Eric J. , OLAMUYIWA, Olakunle H. , ESSAH, Georgina
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/40 , G06Q20/401 , G06Q40/00
摘要： A computer system is operated to prevent fraud in a money transfer receive transaction. A send transaction request is received from a sender for a money transfer including a send amount. The sender is prompted to select one or more security inputs to be supplied by a receiver for redemption of the money transfer. A send transaction record is stored with the selected one or more security inputs in a server. A receive transaction request is then received from the receiver. The receiver is prompted for the one or more security inputs set for redemption of the money transfer, and the provided one or more security inputs from the receiver are received. The received one or more security inputs are authenticated, and release of funds in the send amount is authorized if the received one or more security inputs are authenticated.
摘要翻译：操作计算机系统以防止汇款接收交易中的欺诈。从发送方接收到包括发送金额的汇款的发送交易请求。提示发送方选择要由接收方提供的一个或多个安全输入以赎回汇款。发送交易记录与所选择的一个或多个安全输入一起存储在服务器中。然后从接收器接收到接收事务请求。提示接收器提供用于兑换汇款的一个或多个安全输入，并且接收来自接收器的所提供的一个或多个安全输入。接收到的一个或多个安全输入被认证，并且如果所接收的一个或多个安全输入被认证，则授权发送量的资金的释放。

3. 发明申请

WO2008073667A1 METHOD AND APPARATUS FOR DISTRIBUTION OF MONEY TRANSFERS 审中-公开
标题翻译：用于分配货币转移的方法和装置
公开(公告)号：WO2008073667A1
公开(公告)日：2008-06-19
申请号：PCT/US2007/084672
申请日：2007-11-14
申请人： MONEYGRAM INTERNATIONAL, INC. , HENRY, James, M.
发明人： HENRY, James, M.
IPC分类号： H04K1/00
CPC分类号： G06Q20/3674 , G06F17/30312 , G06Q20/023 , G06Q20/042 , G06Q20/10 , G06Q20/102 , G06Q20/105 , G06Q20/322 , G06Q20/3274 , G06Q20/40 , G06Q20/40145 , G06Q40/00 , G06Q2220/00
摘要： A method of performing money transfer send transactions begins with receiving registration information from a customer, including customer identification and qualification information and payment source identification and performing verification of at least a portion of the identification and qualification information and the payment source identification and upon sufficient verification building a distribution profile. The method proceeds by receiving from the customer and storing in the distribution profile send transaction specifications for staging each of one or more proposed send transactions, and receiving a send initiation instruction with associated customer authentication data and responsive thereto identifying a distribution profile and at least one send transaction specification to be executed. Responsive to the send initiation instruction, the method verifies the authentication data and the current status of the payment source identified in the distribution profile and upon sufficient verification, initiates a send transaction according to the at least one send transaction specification.
摘要翻译：执行汇款发送交易的方法开始于从客户接收注册信息，包括客户识别和资格信息以及支付来源识别，并执行至少一部分识别和资格信息和支付来源识别以及充分验证的验证建立分销档案。该方法通过从客户接收并存储在分配配置文件中发送交易规范以分段一个或多个所提出的发送交易中的每个，以及接收具有相关联的客户认证数据的发送发起指令，并响应于此识别分配简档和至少一个发送要执行的事务规范。响应于发送发起指令，该方法验证在分配简档中识别的支付来源的认证数据和当前状态，并且在充分验证之后，根据至少一个发送交易规范发起发送交易。

4. 发明申请

WO2017200668A1 SYSTEMS AND METHODS FOR PROVIDING SPLIT CONTROL OF MULTIPLE EXECUTION ENVIRONMENTS 审中-公开
标题翻译：用于提供多执行环境的分裂控制的系统和方法
公开(公告)号：WO2017200668A1
公开(公告)日：2017-11-23
申请号：PCT/US2017/027394
申请日：2017-04-13
申请人： MONEYGRAM INTERNATIONAL, INC.
发明人： GERETY, Adam , TYPRIN, Andrew , FROST, Troy
IPC分类号： G06F9/50
摘要： The present disclosure describes systems, methods, and computer-readable storage media implementing techniques for providing split control of an execution environment. According to aspects of the disclosure, a first entity may be configured to exert control over presentation related aspects (e.g., the look and feel) of services provided by a second entity, while the second entity may exert control over backend processing and execution of the services. To facilitate the different portions of the split control, one or more servers may be configured to provide a first execution layer, a second execution layer, and a second execution layer control panel. The first execution layer may perform operations for executing the provisioning of the service. The second execution layer may perform operations for presenting the computing/execution environment for providing the service, and the second execution environment control panel may provide the first entity to customize/modify presentation related aspects of the computing/execution environment.
摘要翻译：本公开描述了实现用于提供执行环境的分离控制的技术的系统，方法和计算机可读存储介质。根据本公开的各方面，第一实体可以被配置为施加对由第二实体提供的服务的呈现相关方面（例如，外观和感觉）的控制，而第二实体可以对后端处理和服务。为了便于分割控制的不同部分，一个或多个服务器可以被配置成提供第一执行层，第二执行层和第二执行层控制面板。第一执行层可以执行用于执行服务的供应的操作。第二执行层可以执行用于呈现用于提供服务的计算/执行环境的操作，并且第二执行环境控制面板可以提供第一实体以定制/修改计算/执行环境的呈现相关方面。

5. 发明申请

WO2014158401A1 SYSTEMS AND METHODS FOR MANAGEMENT OF LOCAL DEVICES 审中-公开
标题翻译：用于本地设备管理的系统和方法
公开(公告)号：WO2014158401A1
公开(公告)日：2014-10-02
申请号：PCT/US2014/016052
申请日：2014-02-12
申请人： MONEYGRAM INTERNATIONAL, INC.
发明人： STEIGER, Billy J. , HERMANSEN, Michael E. , KOSLOSKI, Joel D. , WAGNER, Jacob W.
IPC分类号： G06Q40/00
CPC分类号： G06Q20/40 , G06Q40/02
摘要： Systems, methods and devices which provide controls to a parent entity over computing resources residing with an agent entity are discussed herein. In one example, embodiments may allow a parent entity to control peripheral hardware devices which are otherwise controlled locally by a computing device at an agent location. Further, in one embodiment, a parent entity may control the receipt of information from an agent computing device in order to authenticate the agent device. In one embodiment, such control may be implemented via a shell application that executes on an agent computing device when the agent is processing a financial transaction via a web browser interface.
摘要翻译：这里讨论了通过计算驻留在代理实体上的资源向父实体提供控制的系统，方法和设备。在一个示例中，实施例可以允许父实体控制由代理位置处的计算设备在本地控制的外围硬件设备。此外，在一个实施例中，父实体可以控制从代理计算设备接收信息，以便认证代理设备。在一个实施例中，当代理人通过网络浏览器界面处理金融交易时，可以通过在代理计算设备上执行的壳应用来实现这种控制。

6. 发明申请

WO2013163087A1 SEND AND RECEIVE SIDE CONTROL OF MONEY TRANSFER PARAMETERS 审中-公开
标题翻译：发送和接收货币转移参数的边控制
公开(公告)号：WO2013163087A1
公开(公告)日：2013-10-31
申请号：PCT/US2013/037595
申请日：2013-04-22
申请人： MONEYGRAM INTERNATIONAL, INC.
发明人： RUNKLE, Angela Marie , GERETY, Adam Christopher , DALTON, Douglas Dennis , DEPOLIS, Daniel Heath , WAGNER, Jacob Walter
IPC分类号： G06Q20/10
CPC分类号： G06Q20/10 , G06Q20/401
摘要： A computer system in a money transfer transaction. A request is received from a sender on a send computer to send a money transfer having a send amount. The sender is prompted on the send computer to select one or more parameters associated with the money transfer, the one or more parameters comprising money transfer receiver information including a receiver location. Money transfer fees associated with the money transfer are analyzed for a plurality of receive locations proximate the receiver location based on the selected one or more parameters. A receive location offering a lowest money transfer fee is selected from the plurality of receive locations. The send amount and fee for the selected receive location are collected from the sender. Information related to the money transfer is then stored, including the selected one or more parameters and the receive location, in a money transfer server.
摘要翻译：汇款交易中的计算机系统。从发送计算机上的发送方接收到发送具有发送金额的汇款的请求。在发送计算机上提示发送者选择与汇款相关联的一个或多个参数，该一个或多个参数包括包括接收者位置的汇款接收者信息。基于所选择的一个或多个参数，分析与汇款相关联的汇款费用，以接收接收地点附近的多个接收地点。从多个接收位置选择提供最低资金转移费的接收位置。从收件人收集所选接收地点的发送金额和费用。然后，在货币转移服务器中存储与货币转移相关的信息，包括所选择的一个或多个参数和接收位置。

7. 发明申请

WO2017058337A1 HEALTHCARE PRESCRIPTION DELIVERY TECHNIQUES USING A MONEY TRANSFER NETWORK 审中-公开
标题翻译：使用货币转移网络的健康保证交货技术
公开(公告)号：WO2017058337A1
公开(公告)日：2017-04-06
申请号：PCT/US2016/042222
申请日：2016-07-14
申请人： MONEYGRAM INTERNATIONAL, INC.
发明人： PATEL, Bhavesh
IPC分类号： G06Q50/00
CPC分类号： G06F19/3456 , G06F19/00 , G06F19/328 , G06Q10/08
摘要： A healthcare prescription delivery mechanism using a money transfer network is disclosed. In the healthcare prescription delivery mechanism, a prescription for a patient from a healthcare provider is sent to a designated pharmacy. The pharmacy then processes the prescription and delivers the prescribed medicine to a chosen address of the patient. A payment for the healthcare prescription order is made by either the patient or a third party through the money transfer network to the pharmacy.
摘要翻译：公开了使用汇款网络的医疗处方递送机制。在医疗处方传递机制中，向医疗保健提供者提供的病人的处方被发送到指定的药店。药房然后处理处方，并将处方药递送到患者的选定地址。医疗处方订单的付款由患者或第三方通过汇款网络向药房付款。

8. 发明申请

WO2012162153A3 SYSTEM AND METHOD FOR RECEIVER STAGED MONEY TRANSFER TRANSACTIONS 审中-公开
公开(公告)号：WO2012162153A3
公开(公告)日：2012-11-29
申请号：PCT/US2012/038607
申请日：2012-05-18
申请人： MONEYGRAM INTERNATIONAL, INC. , BERTRAM, Tara , OLAMUYIWA, Kunle , CHAN, Sabrina , DALTON, Douglas , MESZAROS, Richard
发明人： BERTRAM, Tara , OLAMUYIWA, Kunle , CHAN, Sabrina , DALTON, Douglas , MESZAROS, Richard
IPC分类号： G06Q40/00
摘要： A computer system is operated for a receiver-staged money transfer transaction. A staged transaction is received from a receiver and includes one or more items requested by the receiver. Information about one or more senders identified to receive the staged transaction is then received, and the staged transaction is sent to the one or more senders. Approval notifications are received from the one or more senders indicating the one or more items in the staged transaction that the one or more senders agree to fulfill. The requested items fulfilled by the one or more senders are then released to the receiver.

9. 发明申请

WO2012112270A1 MONEY TRANSFER SYSTEM FOR SENDING MONEY TO AN INSTITUTION FOR THE BENEFIT OF A RECEIVER ASSOCIATED WITH THE INSTITUTION 审中-公开
标题翻译：用于向机构发送货币的转账系统，用于与本机构相关的接收方的利益
公开(公告)号：WO2012112270A1
公开(公告)日：2012-08-23
申请号：PCT/US2012/022491
申请日：2012-01-25
申请人： MONEYGRAM INTERNATIONAL, INC. , ROLFS, Dennis J. , HUTCHESON, Katie , SMITH, Gordon L. , WALLACE, Terry L.
发明人： ROLFS, Dennis J. , HUTCHESON, Katie , SMITH, Gordon L. , WALLACE, Terry L.
IPC分类号： G06Q20/00
CPC分类号： G06Q20/10
摘要： A computer system is operated to transfer money to a receiver via an institution. A send transaction request including a send amount is received from a sender for a money transfer. The sender is prompted to provide identifying information about the institution and the receiver. The identifying information about the receiver includes the receiver's name. A compliance and/or regulatory review of the receiver is then conducted. If the receiver passes the compliance and/or regulatory review, the receiver name and send amount are provided to the institution in a receive transaction.
摘要翻译：操作计算机系统通过机构将钱转移到接收器。从发送方收到包含发送金额的发送交易请求以进行汇款。提示发送者提供关于机构和接收者的识别信息。关于接收机的识别信息包括接收机的名称。然后对接收机进行合规和/或管理审查。如果接收方通过合规和/或监管审查，接收方名称和发送金额将在接收交易中提供给机构。

10. 发明申请

WO2009052365A1 GLOBAL COMPLIANCE PROCESSING SYSTEM FOR A MONEY TRANSFER SYSTEM 审中-公开
标题翻译：货币兑换系统的全球合规处理系统
公开(公告)号：WO2009052365A1
公开(公告)日：2009-04-23
申请号：PCT/US2008/080292
申请日：2008-10-17
申请人： MONEYGRAM INTERNATIONAL, INC. , BENNETT, Shannon, Lee , CHAUVIN, Diana , STEIGER, Billy, Joe, Jr. , SLETTEN, Dorilyn, Lee , GORE, Peter
发明人： BENNETT, Shannon, Lee , CHAUVIN, Diana , STEIGER, Billy, Joe, Jr. , SLETTEN, Dorilyn, Lee , GORE, Peter
IPC分类号： G06Q20/00
CPC分类号： G06Q20/4016 , G06Q20/10 , G06Q20/108 , G06Q20/40 , G06Q40/025 , G06Q40/04
摘要： A money transfer system (10) includes a rules database (16) including information representative of transaction rules, a customer database (14) including information representative of customers' transaction histories, a transaction processing system (12) connected to the databases (14, 16), and an administrator port (18). At least some of the transaction rules include an aggregation threshold. The transaction processing system (12) includes point of entry ports (22), a customer identifier (24), a rules coordinator (26), an aggregation engine (28), and a transaction rules service (30). The point of entry ports (22) receive transaction requests and provide transaction responses. Based on the transaction requests, the customer identifier (24) identifies customers and the rules coordinator (26) determines applicable transaction rules. The aggregation engine (28) determines aggregation values as a function of customers' transaction histories. The transaction rules service (30) determines whether the transaction request meets applicable transaction rules, generates transaction responses, causes the aggregation engine (28) to determine aggregation values, generates transaction responses, and updates the customer database (14)
摘要翻译：货币转移系统（10）包括包括表示交易规则的信息的规则数据库（16），包括表示客户交易历史的信息的客户数据库（14），连接到数据库（14,14）的交易处理系统（12） 16）和管理员端口（18）。至少一些事务规则包括聚合阈值。交易处理系统（12）包括入口端口（22），客户标识符（24），规则协调器（26），聚合引擎（28）和交易规则服务（30）。入口点（22）接收事务请求并提供事务响应。基于交易请求，客户标识符（24）识别客户，规则协调器（26）确定适用的交易规则。聚合引擎（28）根据客户的交易历史确定聚合值。交易规则服务（30）确定交易请求是否满足适用的交易规则，生成交易响应，导致聚合引擎（28）确定汇总值，生成交易响应，并更新客户数据库（14）

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