| 摘要 |
The present invention constitutes a system and method by means of which individuals living in the United States may transfer money rapidly, securely, and inexpensively to other individuals in a foreign country without the use of an international bank wire transfer. The system is designed to benefit foreign expatriates who have a need to send money to family members who still reside abroad. The system, which is run by a managing company having associates in both the U.S. and in the foreign countries to which transfers are made, employs a network of U.S. based banks and a network of foreign based banks. For a preferred embodiment of the transfer process, a managing company is established to administer the process, the company having at least one agent in the U.S. and at least one agent in a foreign country that is the target of money transfers. Potential transferors are provided with a book of deposit slips which identify an account associated with the managing company at a U.S. bank and a sub-account associated with the transferor, so that the transferor may make a cash deposit at a branch of the U.S. bank for transfer to the foreign country. For each deposit made in the U.S., a corresponding amount in the currency of the foreign country is deposited into an account identified by the transferor and owned by his designated transferee at a bank in the foreign country, the foreign deposit being made by the managing company, using information provided to the managing company by the transferor and deposit information provided by the U.S. banks.
|
