(19) United States
`(12) Patent Application Publication (10) Pub. No.: US 2009/0265272 A1
`(43) Pub. Date:
`Oct. 22, 2009
`Dill et al.
`
`US 20090265272A1
`
`(54) MONEY TRANSFERS UTILIZING A UNIQUE
`RECEIVER DENTIFIER
`
`(75) Inventors:
`
`Matt Dill, Atlanta, GA (US);
`Rebecca Mann, Englewood, CO
`(US); Paul Blair, Castle Rock, CO
`(US); Jacques Gilbert, Atherton,
`CA (US); Mike Michelsen, Arvada,
`CO (US); Michael Hafer,
`Highlands Ranch, CO (US)
`
`Correspondence Address:
`TOWNSEND AND TOWNSEND AND CREW,
`LLP
`TWO EMBARCADERO CENTER, EIGHTH
`FLOOR
`SAN FRANCISCO, CA 94111-3834 (US)
`
`(73) Assignee:
`
`The Western Union Company,
`Englewood, CO (US)
`
`(21) Appl. No.:
`
`12/477,360
`
`(22) Filed:
`
`Jun. 3, 2009
`
`Related U.S. Application Data
`(63) Continuation-in-part of application No. 12/146,650,
`filed on Jun. 26, 2008.
`(60) Provisional application No. 60/980,675, filed on Oct.
`17, 2007.
`Publication Classification
`
`(51) Int. Cl.
`(2006.01)
`G06O 20/00
`(2006.01)
`G06O 40/00
`(52) U.S. Cl. .................. 705/41; 705/44; 705/35; 705/43
`(57)
`ABSTRACT
`Methods, systems, and machine-readable media are disclosed
`for financial transfers utilizing a unique identifier to facilitate
`flexible payment options for the transaction. According to one
`embodiment, a pull transaction model can be implemented.
`According to such embodiments, a money transfer can be
`initiated in a conventional manner via an agent of a money
`transfer facilitator. The sender of the transfer can provide an
`identifier for the transaction to the recipient. The recipient can
`in turn use the identifier, in combination with functionality of
`a mobile wallet application of a mobile device to request or
`“pull the money transfer to an account associated with the
`mobile wallet application. In this way, the recipient can
`receive the transfer to the mobile wallet account even if the
`sender does not know that such a delivery is available.
`
`Sender's Financial
`Institution
`
`Source
`
`
`
`
`
`165
`
`Financial Transfer
`Network
`155
`
`Recipient's
`Financial Institution
`
`Destination
`ACCount
`
`Mobile
`Subscriber
`Data
`150
`
`
`
`Recipient
`110
`
`Money Transfer
`Facilitator
`
`
`
`
`
`Mobile
`
`
`
`
`
`
`
`Mobile Network
`
`
`
`Mobile Network Operator
`Mobile Wallet Application/Service
`Recipient's
`Sender's
`M-wallet
`M-Wallet
`128
`130
`121
`
`APPL-1005
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`Patent Application Publication
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`Oct. 22, 2009 Sheet 1 of 9
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`US 2009/0265272 A1
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`
`
`Sender's Financial
`Institution
`
`SOUrCe
`ACCOUnt
`165
`
`Financial Transfer
`NetWork
`155
`
`Recipient's
`Financial Institution
`
`Destination
`ACCOUnt
`175
`
`1 OO
`
`
`
`Money Transfer
`Facilitator
`
`Mobile
`Application
`145
`
`
`
`Mobile
`SubSCriber
`Data
`150
`
`
`
`Sender
`105
`
`Mobile NetWork
`115
`
`Recipient
`110
`
`
`
`Mobile Network Operator
`Mobile Wallet Application/Service
`Sender's
`Recipient's
`M-Wallet
`M-Wallet
`123
`
`FIG. 1
`
`APPL-1005
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`Patent Application Publication
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`2OO R
`
`210
`
`220
`
`230
`
`240
`
`250
`
`CPU(S)
`
`Input
`Device(s)
`
`Output
`Device(s)
`
`
`
`Storage
`Device(s)
`
`Computer
`Readable
`Storage Media
`Reader(s)
`
`
`
`Communication
`System(s)
`
`- - - -
`
`Processing
`Acceleration
`
`L
`
`260
`
`270
`
`284
`
`288
`
`Working
`Memory
`
`Operating
`System(s)
`
`Other COce
`(Programs)
`
`28O
`
`FIG. 2
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`Patent Application Publication
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`APPL-1005
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`Patent Application Publication
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`Oct. 22, 2009 Sheet 4 of 9
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`US 2009/0265272 A1
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`Oct. 22, 2009 Sheet 5 of 9
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`Oct. 22, 2009 Sheet 6 of 9
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`Patent Application Publication
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`Patent Application Publication
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`US 2009/0265272 A1
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`APPL-1005
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`Patent Application Publication
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`Oct. 22, 2009 Sheet 9 of 9
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`US 2009/0265272 A1
`
`Sender's Financial
`Institution
`
`SOUrCe
`ACCOUnt
`
`
`
`
`
`
`
`Other
`Interface(s)
`138
`
`1 OO
`
`an/
`
`Financial Transfer
`NetWOrk
`155
`
`
`
`Money Transfer
`Facilitator
`
`ranSier
`Options
`145
`Mobile
`Application
`145
`
`Recipient's
`Financial Institution
`
`Destination
`ACCOUnt
`
`
`
`
`
`Mobile
`SubSCriber
`Data
`150
`
`
`
`Sender
`105
`
`Mobile Network
`115
`
`Recipient
`110
`
`
`
`Mobile Network Operator
`Mobile Wallet Application/Service
`Sender's
`Recipient's
`M-Wallet
`M-Wallet
`123
`
`FIG. 9
`
`APPL-1005
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`

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`US 2009/0265272 A1
`
`Oct. 22, 2009
`
`MONEY TRANSFERS UTILIZING A UNIQUE
`RECEIVER DENTIFIER
`
`CROSS-REFERENCE TO RELATED
`APPLICATIONS
`0001. This application is a continuation-in-part of U.S.
`patent application Ser. No. 12/146,650 filed Jun. 26, 2008 by
`Dill et al. and entitled “MONEY TRANSFERS UTILIZING
`A UNIQUE IDENTIFIER” which claims priority to Provi
`sional U.S. Patent Application No. 60/980,675 filed Oct. 17,
`2007, by Dill et al. and entitled “MONEY TRANSFERS
`UTILIZING A UNIQUE RECEIVER IDENTIFIER,” of
`which the entire disclosure of both are hereby incorporated by
`reference for all purposes.
`
`BACKGROUND OF THE INVENTION
`0002 This invention relates generally to financial trans
`fers. More specifically, the invention relates to financial trans
`fers utilizing a unique identifier to facilitate flexible payment
`options for the transaction.
`0003. Third party money transfer services are used exten
`sively to transfer money and pay bills through the use of wire
`transfers, money orders, and the like. The use of Such ser
`vices, however, usually requires face-to-face contact between
`an individual representing the third party service provider and
`the sender and/or the receiver. For example, if a sender is
`"wiring money to a receiver, the money is typically depos
`ited with the third party in person, and the sender typically
`obtains the money from the third party in person. If the money
`is transferred in the form of a money order, the sender typi
`cally deposits the money with the third party in person and
`receives a money order.
`0004. The use of mobile devices in various types of trans
`actions is also becoming more common. For example, various
`forms of wireless or mobile device such as cell phone, Per
`Sonal Digital Assistants (PDAs), etc. can be used to initiate a
`contactless communication with a Point-Of-Sale (POS)
`device and pay for goods and services purchased by the user
`of the device. These devices can also be used to provide other
`functions with regard to financial accounts to which they may
`be linked or related. However, money transfer services and
`systems have not yet been adapted to take advantage of the
`flexibility and functionality that the use of such mobile
`devices can provide. Hence, there is a need in the art for
`improved methods and systems for performing money trans
`fers to facilitate flexible payment options for the transactions.
`
`BRIEF SUMMARY OF THE INVENTION
`0005 Methods, systems, and machine-readable media are
`disclosed for financial transfers utilizing a unique identifierto
`facilitate flexible payment options for the transaction.
`According to one embodiment, a method for Supporting a
`money transfer transaction can comprise receiving a Personal
`Identification Number (PIN) and a transaction identifier for a
`previously initiated money transfer transaction at a mobile
`wallet application. The PIN can be verified with the mobile
`wallet application and, in response to verifying the PIN, the
`transaction identifier can be sent to an application of a money
`transfer facilitator Supporting the money transfer transaction.
`0006. The application of the money transfer facilitator can
`in turn receive and verify the transaction identifier. In
`response to Verifying the transaction identifier, the applica
`tion of the money transfer facilitator can send a recipient
`
`identifier to the mobile wallet application. The recipient iden
`tifier can indicate an intended recipient of the money transfer
`transaction.
`0007. The recipient identifier from the application of the
`money transfer facilitator can be received at the mobile wallet
`application. The mobile wallet application can then validate
`the recipient identifier. In response to validating the recipient
`identifier, a payment request can be sent from the mobile
`wallet application to the application of the money transfer
`facilitator.
`0008. The payment request can be received at the applica
`tion of the money transfer facilitator and the money transfer
`transaction can be completed based at least in part on the
`payment request. In some cases, the payment request can
`indicate at least one destination account for the money trans
`fer transaction. In Such cases, completing the money transfer
`transaction can comprise crediting the at least one destination
`account indicated by the payment request. Alternatively, the
`payment request can indicate a plurality of destination
`accounts for the money transfer transaction. In such cases, the
`payment request may further indicate a distribution of funds
`of the money transfer transaction to each of the destination
`accounts. In such cases, completing the money transfer trans
`action can comprise crediting each of the destination
`accounts indicated by the payment request and can be based
`on the distribution indicated by the payment request.
`0009. A response can be sent to the mobile wallet appli
`cation from the application of the money transfer facilitator.
`The response can indicate completion of the money transfer
`transaction. The mobile wallet application can receive the
`response message from the application of the money transfer
`facilitator. A balance maintained by the mobile wallet appli
`cation can be updated based on the response indicating
`completion of the money transfer transaction. In some cases,
`a notification can be provided to a user of the mobile wallet
`application. For example, the notification can indicate the
`updated balance.
`0010. According to another embodiment, a system can
`comprise a mobile communications network and a mobile
`device communicatively coupled with the mobile communi
`cations network. The mobile device can execute a mobile
`wallet application. The mobile wallet application can be
`adapted to receive a Personal Identification Number (PIN)
`and a transaction identifier for a previously initiated money
`transfer transaction, verify the PIN, and in response to veri
`fying the PIN, send the transaction identifier via the mobile
`communications network. The system can also include a
`money transfer facilitator system communicatively coupled
`with the mobile communications network. The money trans
`fer facilitator system can be adapted to receive the transaction
`identifier from the mobile wallet application, verify the trans
`action identifier with, and in response to Verifying the trans
`action identifier, send a recipient identifier to the mobile
`wallet application via the mobile communications network,
`the recipient identifier indicating an intended recipient of the
`money transfer transaction.
`0011. The mobile wallet application can be further
`adapted to receive the recipient identifier from the money
`transfer facilitator system, validate the recipient identifier,
`and in response to validating the recipient identifier, send a
`payment request to the money transfer facilitator system. The
`money transfer facilitator system can be further adapted to
`receive the payment request from the mobile wallet applica
`tion and complete the money transfer transaction based at
`
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`US 2009/0265272 A1
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`Oct. 22, 2009
`
`least in part on the payment request. In some cases, the pay
`ment request can indicate at least one destination account for
`the money transfer transaction. In Such cases, completing the
`money transfer transaction can comprise crediting the at least
`one destination account indicated by the payment request.
`Alternatively, the payment request may indicate a plurality of
`destination accounts for the money transfer transaction. In
`Such cases, the payment request may further indicate a distri
`bution of funds of the money transfer transaction to each of
`the destination accounts. In Such cases, completing the
`money transfer transaction can comprise crediting each of the
`destination accounts indicated by the payment request and
`can be based on the distribution indicated by the payment
`request.
`0012. The money transfer facilitator system can be further
`adapted to send a response to the mobile wallet application
`indicating completion of the money transfer transaction. In
`such case, the mobile wallet application can be further
`adapted to update a balance maintained by the mobile wallet
`application based on the response indicating completion of
`the money transfer transaction. The mobile wallet application
`can be further adapted to provide a notification to a user of the
`mobile wallet application. For example, the notification may
`indicate the updated balance.
`0013. According to yet another embodiment, a system can
`comprise a mobile communications network and a mobile
`device communicatively coupled with the mobile communi
`cations network. The mobile device can execute a mobile
`wallet application. The mobile wallet application can be
`adapted to receive a Personal Identification Number (PIN)
`and a transaction identifier for a previously initiated money
`transfer transaction, verify the PIN, and in response to veri
`fying the PIN, send the transaction identifier via the mobile
`communications network. The system can also include a
`money transfer facilitator system communicatively coupled
`with the mobile communications network. The money trans
`fer facilitator system can be adapted to receive the transaction
`identifier from the mobile wallet application, verify the trans
`action identifier with, and in response to Verifying the trans
`action identifier, send a recipient identifier to the mobile
`wallet application via the mobile communications network,
`the recipient identifier indicating an intended recipient of the
`money transfer transaction.
`0014. The money transfer facilitator system can further
`comprise one or more interfaces for conducting money trans
`fer transactions and a transfer options module communica
`tively coupled with the one or more interfaces. The transfer
`options module can be adapted to receive transaction infor
`mation for a money transfer transaction from a senderthrough
`at least one or the interfaces, provide a notification of the
`transaction to a recipient of the transaction, and select one or
`more delivery options for completing the money transfer
`transaction.
`0015. According to still another embodiment, a money
`transfer facilitator system can comprise one or more inter
`faces for conducting money transfer transactions and a trans
`fer options module communicatively coupled with the one or
`more interfaces. For example, the one or more interfaces can
`comprise at least one of an Interactive Voice Response (IVR)
`interface, a web interface, an interface to an agent system, or
`other interface. The transfer options module can be adapted to
`receive transaction information for a money transfer transac
`tion from a sender through at least one or the interfaces,
`provide a notification of the transaction to a recipient of the
`
`transaction, and select one or more delivery options for com
`pleting the money transfer transaction. For example, the
`delivery options can comprise at least one of delivering funds
`to a bank account of a recipient, delivering funds to a pre-paid
`account, delivering funds to a funds withholding system,
`delivering funds to a third party, delivering a draft check,
`delivering funds through an Automated Teller Machine
`(ATM), and other options.
`0016. In some cases, the transfer options module can
`receive an indication of delivery options from a recipient of
`the money transfer transaction and select one or more deliv
`ery options based on the indication. For example, the money
`transfer options module can receive the indication of delivery
`options from the recipient via one of the interfaces. In other
`cases, the transfer options module can additionally or alter
`natively select one or more delivery options based on one or
`more delivery rules. For example, the one or more delivery
`rules can include one or more rules defined by a recipient of
`the money transfer transaction, one or more rules defined by
`a sender of the money transfer transaction, and/or one or more
`rules defined by the money transfer facilitator. In some cases,
`the notification of the transaction can include an indication of
`one or more delivery options. In Such cases, the transfer
`options module may define a delivery rule based on the indi
`cation of delivery options received from the recipient and may
`selects one or more delivery options for completing a Subse
`quent money transfer transaction based on the delivery rule.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`0017 FIG. 1 is a block diagram illustrating an exemplary
`system for making financial transfers according to one
`embodiment of the present invention.
`0018 FIG. 2 is a block diagram illustrating an exemplary
`computer system upon which embodiments of the present
`invention may be implemented.
`(0019 FIG. 3 illustrates an exemplary flow for a “mobile
`to-cash transaction according to one embodiment of the
`present invention.
`0020 FIG. 4 illustrates an exemplary flow for a "cash-to
`mobile' transaction according to one embodiment of the
`present invention.
`(0021
`FIG. 5 illustrates an exemplary flow for a “mobile
`to-mobile transaction according to one embodiment of the
`present invention.
`0022 FIG. 6 illustrates an exemplary flow for a transaction
`in which the recipient enrolls “in-flight according to one
`embodiment of the present invention.
`0023 FIG.7 illustrates an exemplary flow for a transaction
`in which the recipient elects a "cash pick-up' option accord
`ing to one embodiment of the present invention.
`0024 FIG. 8 illustrates an exemplary flow for a pull trans
`action model according to one embodiment of the present
`invention.
`0025 FIG. 9 is a block diagram illustrating another exem
`plary system for making financial transfers according to one
`embodiment of the present invention.
`
`DETAILED DESCRIPTION OF THE INVENTION
`0026. In the following description, for the purposes of
`explanation, numerous specific details are set forth in order to
`provide a thorough understanding of various embodiments of
`the present invention. It will be apparent, however, to one
`skilled in the art that embodiments of the present invention
`
`APPL-1005
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`Oct. 22, 2009
`
`may be practiced without some of these specific details. In
`other instances, well-known structures and devices are shown
`in block diagram form.
`0027. The ensuing description provides exemplary
`embodiments only, and is not intended to limit the Scope,
`applicability, or configuration of the disclosure. Rather, the
`ensuing description of the exemplary embodiments will pro
`vide those skilled in the art with an enabling description for
`implementing an exemplary embodiment. It should be under
`stood that various changes may be made in the function and
`arrangement of elements without departing from the spirit
`and Scope of the invention as set forth in the appended claims.
`0028 Specific details are given in the following descrip
`tion to provide a thorough understanding of the embodiments.
`However, it will be understood by one of ordinary skill in the
`art that the embodiments may be practiced without these
`specific details. For example, circuits, systems, networks,
`processes, and other components may be shown as compo
`nents in block diagram form in order not to obscure the
`embodiments in unnecessary detail. In other instances, well
`known circuits, processes, algorithms, structures, and tech
`niques may be shown without unnecessary detail in order to
`avoid obscuring the embodiments.
`0029. Also, it is noted that individual embodiments may
`be described as a process which is depicted as a flowchart, a
`flow diagram, a data flow diagram, a structure diagram, or a
`block diagram. Although a flowchart may describe the opera
`tions as a sequential process, many of the operations can be
`performed in parallel or concurrently. In addition, the order of
`the operations may be re-arranged. A process is terminated
`when its operations are completed, but could have additional
`steps not included in a figure. A process may correspond to a
`method, a function, a procedure, a Subroutine, a Subprogram,
`etc. When a process corresponds to a function, its termination
`can correspond to a return of the function to the calling
`function or the main function.
`0030 The term “machine-readable medium' includes, but
`is not limited to portable or fixed storage devices, optical
`storage devices, wireless channels and various other medi
`ums capable of storing, containing or carrying instruction(s)
`and/or data. A code segment or machine-executable instruc
`tions may represent a procedure, a function, a Subprogram, a
`program, a routine, a Subroutine, a module, a Software pack
`age, a class, or any combination of instructions, data struc
`tures, or program statements. A code segment may be coupled
`to another code segment or a hardware circuit by passing
`and/or receiving information, data, arguments, parameters, or
`memory contents. Information, arguments, parameters, data,
`etc. may be passed, forwarded, or transmitted via any Suitable
`means including memory sharing, message passing, token
`passing, network transmission, etc.
`0031. Furthermore, embodiments may be implemented by
`hardware, Software, firmware, middleware, microcode, hard
`ware description languages, or any combination thereof.
`When implemented in software, firmware, middleware or
`microcode, the program code or code segments to perform the
`necessary tasks may be stored in a machine readable medium.
`A processor(s) may perform the necessary tasks.
`0032 Generally speaking, embodiments of the present
`invention provide methods and systems for Supporting money
`transfer transactions initiated by and/or conducted through a
`variety of channels including but not limited to a wireless
`communication channel including a wireless communication
`device. Exemplary systems and methods for performing
`
`money transfer transactions via a wireless communication
`device. Such as a cellular phone, blackberry, palm pilot, or
`similar personal communication device are described in co
`pending U.S. patent application Ser. No. 1 1/462,223 filed
`Aug. 3, 2006 by Blairetalandentitled MONEY TRANSFER
`TRANSACTIONS VIA PRE-PAID WIRELESS COMMU
`NICATION DEVICES, the complete disclosure of which is
`herein incorporated by reference in its entirety for all pur
`poses. However, it should be understood that the description
`of these methods and systems are offered by way of example
`only and are not intended to limit the scope of embodiments
`disclosed herein. Rather, other methods and systems for Sup
`porting money transfer transactions may also be used with
`various embodiments of the present invention.
`0033 According to one embodiment, a money transfer
`transaction can be initiated through a variety of channels. As
`will be seen, a notification functionality can be provided that
`uses a unique customer identifier. For example, the unique
`customer identifier can be provided by the sender to associate
`the transaction with a receiver's account and/or to notify the
`receiver of the transaction. The notification can also provide
`the recipient with the ability to decide on a payout method to
`receive the money transfer funds. The money transfer trans
`action may be initiated from a retail agent location of a money
`transfer facilitator (such as Western Union), from a web site
`of the money transfer facilitator, from a telephone money
`transfer service of the money transfer facilitator, from a
`mobile money transfer send, a kiosk, an ATM or from other
`channels. In any of the channels, the transaction may be
`staged by the sender and then completed at a later time. For
`example, a sender can stage a transaction by calling an IVR or
`speaking with an operator for the money transfer facilitator to
`provide transaction information (e.g., sender name, receiver
`name, and/or amount) and then complete the transfer by
`visiting an Agent location and paying the transfer amount,
`along with applicable fees. Similarly, a sender may stage a
`transaction by paying for it in advance in a checkout lane and
`then later providing the money transfer facilitator with trans
`action information (e.g., by providing the transaction infor
`mation via IVR, live operator and/or web page). The sender
`can provide the unique identifier for the recipient, which can
`be any public or proprietary identifier unique to the recipient.
`For example, the unique identifier for the receiver can be one
`or any combination of a mobile phone number, an email
`address, an instant messaging identification, a customer num
`ber, account information (e.g., stored value account identifier,
`bank account number and/or ABA routing number), tax num
`ber (e.g., Social Security Number or Taxpayer Identification
`Number), drivers’ license number, state ID number, student
`ID number or other unique identifier. A customer number can
`be a preferred customer number or any other unique customer
`identifier issued by a money transfer facilitator, an agent of
`money transfer facilitator, a mobile network operator, a
`retailer, a bank, a service provider (e.g., payment service
`provider, auction service provider or Internet service pro
`vider) or any other party.
`0034. Upon receipt of the transfer request, the money
`transfer facilitator system can reference external and/or inter
`nal databases to identify the recipient’s mobile network
`operator and country. The money transfer facilitator system
`can also determine whether the customer has enrolled in a
`mobile wallet and corresponding private account for the
`money transfer funds to be routed to. If this lookup indicates
`that the recipient is a mobile subscriber for a mobile network
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`APPL-1005
`APPLE INC. / Page 13 of 24
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`US 2009/0265272 A1
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`Oct. 22, 2009
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`operator with whom money transfer facilitator has a relation
`ship and is enrolled in the operator's mobile wallet, the recipi
`ent can receive an SMS or other format message notifying
`them that they have received a money transfer and that funds
`are available in their mobile wallet associated account. If the
`lookup indicates that the recipient is not enrolled in a mobile
`wallet, they can alternatively receive an SMS or other format
`message notifying them that they have received a mobile
`money transfer. The message can also ask them to either
`enrollina mobile walletto receive their funds inanassociated
`account, to pickup cash at a retail outlet of the money transfer
`facilitator and/or to designate a destination for transferring
`funds (e.g., to bank account, investment account, stored value
`card or account, prepaid card or account, debit card or
`account, or at a kiosk or an ATM). If the lookup indicates that
`the recipient is a mobile subscriber for a mobile network
`operator with whom the money transfer facilitator does not
`have a relationship, the recipient can receive a notification via
`SMS or other format message indicating that funds are avail
`able for pickup in cash at a cash retail outlet. Other formats for
`messages can include, without limitation, electronic mail,
`instant messaging, live operator call, prerecorded or auto
`mated Voice message, or web page notification.
`0035 Stated another way, a method of supporting a money
`transfer transaction can comprise receiving a request to ini
`tiate the money transfer transaction. Receiving the request to
`initiate the money transfer transaction can comprise receiving
`the request from a mobile wallet application of a mobile
`device, from a web site of a money transfer facilitator, from a
`retail agent location of a money transfer facilitator, from a
`telephone money transfer service of a money transfer facili
`tator, from a kiosk, from an ATM or from another channel.
`The request can include a unique identifier for a recipient of
`the money transfer transaction. The unique identifier for the
`recipient of the money transfer transaction can comprise one
`or any combination of a phone number for a mobile device of
`the recipient, an email address for the recipient, an instant
`messaging identifier for the recipient, a preferred customer
`number for the recipient or other unique customer identifier
`issued by a money transfer facilitator or its agent, a mobile
`network operator, a retailer, a bank, a service provider or any
`other party, account information (e.g., Stored value account
`identifier, bank account number and/or ABA routing num
`ber), a tax number (e.g., Social Security Number or Taxpayer
`Identification Number), a drivers' license number, a state ID
`number, a student ID number or another unique identifier.
`0036. A destination for transferring funds for the money
`transfer transaction to the recipient can be determined based
`at least in part on the unique identifier for the recipient.
`Determining the destination for transferring funds to the
`recipient can comprise determining a mobile network opera
`tor for the recipient and determining whether the mobile
`network operator for the recipient has a relationship with a
`money transfer facilitator Supporting the money transfer
`transaction. If the mobile network operator for the recipient
`has a relationship with the money transfer facilitator, a deter
`mination can be made as to whether the recipient is enrolled
`in a mobile wallet service of the mobile network operator. If
`the recipient is enrolled in the mobile wallet service of the
`mobile network operator, the destination for transferring
`funds for the money transfer transaction to the recipient com
`prises an account associated with the mobile wallet service. If
`the recipient is not enrolled in the mobile wallet service of the
`mobile network operator, the destination for transferring
`
`funds for the money transfer transaction to the recipient can
`comprise a retail outlet of the money transfer facilitator or
`other designated destination. Additionally or alternatively, in
`response to determining the recipient is not enrolled in the
`mobile wallet service of the mobile network operator, a mes
`sage can be sent to the recipient inviting the recipient to enroll
`in the mobile wallet service. If the recipient enrolls in the
`mobile wallet service of the mobile network operator, the
`destination for transferring funds for the money transfer
`transaction to the recipient can comprise an account associ
`ated with the mobile wallet service. If the mobile network
`operator for the recipient does not have a relationship with the
`money transfer facilitator, the destination for transferring
`funds for the money transfer transaction to the recipient can
`comprise a retail outlet of the money transfer facilitator or
`other designated destination.
`0037. Once the destination for transferring funds for the
`money transfer transaction to the recipient has been deter
`mined, the funds can be transferred to the determined desti
`nation and the recipient can be notified of availability of funds
`at the determined destination. Notification can be sent by a
`money transfer facilitator to the recipient and/or to any party
`associated with the designated destination (e.g., to a mobile
`network operator, a retailer, a bank, a service provider (e.g.,
`payment service provider, auction service provider or Internet
`service provider) or any other party).
`0038. Such a system allows a money transfer facilitator,
`using a unique customer identifier and internal and/or exter
`nal