Secondary identification for remittance delivery

Abstract

There are provided a method, system and program storage device perform a remittance transaction. The method includes generating a remittance transaction to transfer funds from an account associated with a sender to a receiver; receiving a visual or audio identification of the receiver from the sender for the remittance transaction; and transmitting the generated remittance transaction, the received identification and the funds associated with the remittance transaction to a disbursement agent to selectively disburse funds to the receiver if the identification of the receiver matches the receiver.

1 . A method comprising:
 generating a transaction to transfer funds to a receiver from an account associated with a sender, the generating of the transaction being based on a communication initiated between a sending device of the sender and a receiving device of the receiver, the generating of the transaction being performed by a processor of a machine;   receiving a visual or audio identification of the receiver from the sender; and   transmitting the generated transaction, the received identification, and the funds associated with the transaction to a disbursement agent to selectively disburse the funds to the receiver in response to the received identification of the receiver matching reference information of the receiver.   
     
     
         2 . The method of  claim 1  further comprising:
 receiving information relating to the account, the funds, and the receiver from the sending device of the sender. 
 
     
     
         3 . The method of  claim 1  further comprising:
 notifying the receiver of the transaction via the receiving device of the receiver. 
 
     
     
         4 . The method of  claim 1  further comprising:
 receiving a completion notification associated with the transaction from the disbursement agent. 
 
     
     
         5 . The method of  claim 4  further comprising:
 notifying the sender of the completion notification via the sending device. 
 
     
     
         6 . The method of  claim 1  further comprising:
 initiating the communication between the sending device of the sender and the receiving device of the receiver. 
 
     
     
         7 . The method of  claim 6 , wherein:
 the initiating of the communication includes connecting a call from the sending device to the receiving device.   
     
     
         8 . The method of  claim 1  further comprising:
 notifying the receiver of a secret via the receiving device; and 
 receiving the secret from the disbursement agent, the secret being provided to the disbursement agent by the receiver via the receiving device. 
 
     
     
         9 . The method of  claim 8  further comprising:
 generating the secret for the transaction. 
 
     
     
         10 . The method of  claim 8  further comprising:
 receiving the secret from the sender via the sending device. 
 
     
     
         11 . A system comprising:
 one or more processors;   a transaction module that configures at least one of the one or more processors to generate a transaction to transfer funds to a receiver from an account associated with a sender, the generating of the transaction being based on a communication initiated between a sending device of the sender and a receiving device of the receiver;   a picture module that configures at least one of the one or more processors to receive a visual or audio identification of the receiver from the sender; and   a routing module that configures at least one of the one or more processors to transmit the generated transaction, the received identification, and the funds associated with the transaction to a disbursement agent to selectively disburse the funds to the receiver in response to the received identification of the receiver matching reference information of the receiver.   
     
     
         12 . The system of  claim 11  further comprising:
 an identification module that configures at least one of the one or more processors to transmit the video or audio identification of the receiver to the disbursement agent. 
 
     
     
         13 . The system of  claim 11 , wherein:
 the picture module configures at least one of the one or more processors to receive a picture of the receiver from the sending device.   
     
     
         14 . The system of  claim 11  further comprising:
 a communication module configured to receive information relating to the account, the funds, and the receiver, from the sending device of the sender. 
 
     
     
         15 . The system of  claim 11  further comprising:
 a notification module configured to notify the receiver of the transaction via the receiving device of the receiver. 
 
     
     
         16 . The system of  claim 11  further comprising:
 a routing module configured to receive a completion notification associated with the transaction from the disbursement agent. 
 
     
     
         17 . The system of  claim 16  further comprising:
 a completion module configured to notify the sender of the completion notification via the sending device. 
 
     
     
         18 . A non-transitory machine-readable storage medium comprising instructions that, when executed by one or more processors of a machine, cause the machine to perform operations comprising:
 generating a transaction to transfer funds to a receiver from an account associated with a sender, the generating of the transaction being based on a communication initiated between a sending device of the sender and a receiving device of the receiver;   receiving a visual or audio identification of the receiver from the sender, and   transmitting the generated transaction, the received identification, and the funds associated with the transaction to a disbursement agent to selectively disburse the funds to the receiver in response to the received identification of the receiver matching reference information of the receiver.   
     
     
         19 . The non-transitory machine-readable storage medium of  claim 18 , wherein the operations further comprise:
 initiating the communication on which the generating of the transaction is based, the initiated communication being between the sending device of the sender and the receiving device of the receiver.   
     
     
         20 . The non-transitory machine-readable storage medium of  claim 19 , wherein:
 the initiating of the communication includes connecting a call from the sending device to the receiving device.