Method and apparatus for money transfer

摘要

A staged bill payment transaction method comprises receiving transaction information, building a staging record at a data center, and providing a retrieval key or code. The staging record comprises the transaction information and the retrieval key or code identifies the staging record for finalizing the transaction.

主权项

1. A method comprising:
a data center receiving recipient identification information, wherein the recipient is a biller having an account for a bill payment transaction available at a device; identifying a staging record for the recipient at the data center in communication with the device via a network; identifying compliance data corresponding to the staging record and a transaction pointer that may be used to locate a send transaction record including sender information and a send amount; testing the compliance data for consistency with a compliance window based on compliance rules for the send amount, the sender information and the recipient information, wherein the transaction proceeds if consistent with the compliance rules and the transaction is rejected if the compliance rules are not met; and the data center communicating data with the device configured for displaying on the device a token image for fulfillment of the transaction, wherein the token image includes a bar code; and wherein the bar code is readable at a point of sale device to locate the staging record and confirm a total amount of payment due for a payment amount to be made to the recipient.