Money transfer system and messaging system

Abstract

A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient.

1 . (canceled) 
     
     
         2 . A computer-implemented method comprising:
 receiving, at a host computer, a first request for a funds transfer from a sender to a recipient;   receiving, at the host computer, transaction information from a first device, the transaction information comprising a message from the sender recorded via the first device;   receiving, at the host computer, a confirmation that a payment from the sender has been made for the funds transfer;   associating, by the host computer, a first identifier with the funds transfer;   associating, by the host computer, the first identifier with the message;   receiving, at the host computer, a second request from the recipient, wherein the second request includes a second identifier;   comparing the first identifier to the second identifier to authenticate the second identifier; and   in response to authenticating the second identifier, causing, by the host computer, the message to be played by a recipient.   
     
     
         3 . The computer-implemented method of  claim 2 , wherein first identifier is a Money Transfer Control Number (MTCN) and the message is an audio or video message. 
     
     
         4 . The computer-implemented method of  claim 2 , wherein the first request comprises a first location identifier indicating a location where the payment was made. 
     
     
         5 . The computer-implemented method of  claim 4 , wherein the second request comprises a second location identifier indicating a location where the funds transfer is to be received; and
 the method further comprising:
 comparing the first location identifier to the second location identifier to determine both identifiers correspond to a same location. 
   
     
     
         6 . The computer-implemented method of  claim 2 , further comprising:
 in response to authenticating the second identifier, transmitting, to the recipient device a telephone number associated with the message.   
     
     
         7 . The computer-implemented method of  claim 2 , further comprising:
 transmitting, by the host computer, an audio or video stream of the audio or video message to the recipient device prior to the recipient receiving the funds transfer.   
     
     
         8 . The computer-implemented method of  claim 2 , wherein message comprises a location where the funds transfer is to be received. 
     
     
         9 . The computer-implemented method of  claim 2 , wherein causing, by the host computer, the message to be played by a recipient device prior to the recipient receiving the funds transfer. 
     
     
         10 . The computer-implemented method of  claim 2 , wherein the first identifier and the second identifier are the same. 
     
     
         11 . A non-transitory computer-readable storage medium having stored thereon instructions, the instructions comprising:
 receiving a first request for a funds transfer from a sender to a recipient;   receiving transaction information from a first device, the transaction information comprising a message from the sender recorded via the first device;   receiving a confirmation that a payment from the sender has been made for the funds transfer;   associating a first identifier with the funds transfer;   associating the first identifier with the message;   receiving a second request from the recipient, wherein the second request includes a second identifier;   comparing the first identifier to the second identifier to authenticate the second identifier; and   in response to authenticating the second identifier, causing the message to be played by a recipient   
     
     
         12 . The non-transitory computer-readable storage medium of  claim 11 , wherein first identifier is a Money Transfer Control Number (MTCN) and the message is an audio or video message. 
     
     
         13 . The non-transitory computer-readable storage medium of  claim 11 , wherein the first request comprises a first location identifier indicating a location where the payment was made. 
     
     
         14 . The non-transitory computer-readable storage medium of  claim 13 , wherein the second request comprises a second location identifier indicating a location where the funds transfer is to be received; and
 the instructions further comprising:
 comparing the first location identifier to the second location identifier to determine both identifiers correspond to a same location. 
   
     
     
         15 . The non-transitory computer-readable storage medium of  claim 11 , the instructions further comprising:
 in response to authenticating the second identifier, transmitting, to the recipient device a telephone number associated with the message.   
     
     
         16 . The non-transitory computer-readable storage medium of  claim 11 , the instructions further comprising:
 transmitting an audio or video stream of the message to the recipient device prior to the recipient receiving the funds transfer.   
     
     
         17 . The non-transitory computer-readable storage medium of  claim 11 , wherein the message comprises a location where the funds transfer is to be received. 
     
     
         18 . A system comprising:
 one or more processors; and
 a memory coupled with the one or more processors, the memory configured to store instructions that when executed by the one or more processors cause the one or more processors to: 
 receiving a first request for a funds transfer from a sender to a recipient;
 receiving transaction information from a first device, the transaction information comprising a message from the sender recorded via the first device; 
 receiving a confirmation that a payment from the sender has been made for the funds transfer; 
 associating a first identifier with the funds transfer; 
 associating the first identifier with the message; 
 receiving a second request from the recipient, wherein the second request includes a second identifier; 
 comparing the first identifier to the second identifier to authenticate the second identifier; and 
 in response to authenticating the second identifier, causing the message to be played by a recipient 
 
   
     
     
         19 . The system of  claim 18 , wherein first identifier is a Money Transfer Control Number (MTCN) and the message is an audio or video message. 
     
     
         20 . The system of  claim 18 , wherein the first request comprises a first location identifier indicating a location where the payment was made. 
     
     
         21 . The system of  claim 20 , wherein the second request comprises a second location identifier indicating a location where the funds transfer is to be received; and
 the instructions that when executed by the one or more processors further cause the one or more processors to:   compare the first location identifier to the second location identifier to determine both identifiers correspond to a same location.