US 12,079,786 B2
Systems and methods for transferring funds to a pre-paid account
Chris Cochran, Highlands Ranch, CO (US); Gary Jeffords, Centennial, CO (US); and Rodrigo Sada, Lone Tree, CO (US)
Assigned to The Western Union Company, Denver, CO (US)
Filed by The Western Union Company, Denver, CO (US)
Filed on Dec. 10, 2019, as Appl. No. 16/709,296.
Application 16/709,296 is a continuation of application No. 14/051,058, filed on Oct. 10, 2013, granted, now 10,504,074.
Prior Publication US 2020/0184432 A1, Jun. 11, 2020
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/28 (2012.01)
CPC G06Q 20/10 (2013.01) [G06Q 20/28 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for transferring funds from a sender to a pre-paid instrument account to be assigned to a recipient, the method comprising:
receiving, from a first agent system, a first request to perform a funds transfer from the sender to the recipient, wherein the first request comprises an amount, an identification of the recipient, and an indication that a destination of the funds transfer is the pre-paid instrument account of the recipient;
determining whether to approve the first request;
selecting, based upon determining that the first request is approved, a first identifier;
recording, based on receipt of the indication that the destination of the funds transfer is the pre-paid instrument account, an association of the first identifier with a flag identifying the funds transfer as a funds to pre-paid instrument account transfer; and
sending, to a second agent system, based upon a determination that the association of the first identifier with the flag identifying the funds transfer as a funds to pre-paid instrument account transfer, an indication that the amount is available for funding of the pre-paid instrument account of the recipient.