MX2007014369A - Money transfer cards, systems and methods - Google Patents

Abstract

The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes establishing a money transfer record (310) and receiving, from a vendor location, a money transfer activation request (320) associated with the money transfer record. The method includes receiving a fulfillment request (330) associated with the money transfer record, collecting a customer data set, and authorizing a money transfer (340) associated with the money transfer record. The money transfer is facilitated by the creation of a money transfer record, which may occur prior to the money transfer activation request. The customer then can initiate the money transfer while at the vendor location using, for example, money transfer cards available for purchase from the vendor. The present invention provides systems and methods to initiate, facilitate, process and/or perform money transfers. One such method includes establishing a money transfer record (310) and receiving, from a vendor location, a money transfer activation request (320) associated with the money transfer record. The method includes receiving a fulfillment request (330) associated with the money transfer record, collecting a customer data set, and authorizing a money transfer (340) associated with the money transfer record. The money transfer is facilitated by the creation of a money transfer record, which may occur prior to the money transfer activation request. The customer then can initiate the money transfer while at the vendor location using, for example, money transfer cards available for purchase from the vendor. This invention relates to a therapeutic combination of anti-cancer compounds which comprises a) a VEGFR-2 inhibitor, and b) a substance that binds to the epidermal growth factor receptor (EGFR) and blocks the ability of epidermal growth factor (EGF) to initiate receptor activities which results in tumor growth inhibition, and optionally at least one pharmaceutically acceptable carrier for simultaneous, separate or sequential use.

Description

CARDS, SYSTEMS AND MONEY TRANSFER METHODS FIELD OF THE INVENTION The present invention relates generally to the field of money transfers, and in particular to cards, systems and methods of money transfer for initiating, facilitating, processing and / or making money transfers.

BACKGROUND OF THE INVENTION Current money transfer procedures typically involve an individual going to a money transfer location, such as a Western Union location, and providing the customer service agent with a variety of personal information. This personal information may include the names and addresses of the issuer and receiver, proof of identification, and the amount to be transferred. This information is entered into a money transfer system, and is used to create a record of the money transfer. Once the money to be transferred has been cashed from the sender, the receiver then proceeds to a separate money transfer location, such as another Western Union location, to collect the money. The recipient may be asked to provide a money transfer number and / or proof of identification, before collecting the money. Typically, this procedure is followed by each subsequent money transfer, even when the sender and receiver are the same. As a result, people who frequently send money using money transfer systems are repeatedly providing much of the same information, and making short trips to offices or designated locations for money transfers. In addition, money transfers typically must be initiated and completed by direct interaction between the client and the money transfer organization. Improvements are desired.

SUMMARY OF THE INVENTION! The present invention relates generally to the money transfer field, and in particular to cards, systems and money transfer methods for initiating, facilitating, processing and / or making money transfers. Methods of the present invention will be particularly useful for initiating "ongoing" money transfers, such as while making purchases in a commercial establishment. In this way, the client can initiate the transfer of money while going to other shops or errands, or while in a location not designed solely for money transfers. In one embodiment of the present invention, a method for facilitating money transfers includes establishing a money transfer record and receiving, from a vendor's location, a money transfer activation request associated with the money transfer record. The method includes receiving a submission request associated with the money transfer record, collecting a set of customer data, and authorizing a money transfer associated with the money transfer record. The money transfer is facilitated by the creation of a money transfer register, which can be submitted before the money transfer activation request. The customer can then initiate the transfer of money while at the seller's location. The money transfer record includes, in some modalities, a money transfer amount, an account identifier and a code. In this mode, the receipt of the execution request may include receiving the account identifier and the code of a money transfer client. The execution request can be received by a customer service representative (CSR), an interactive oz response unit (IVR), a website, or the like. In one aspect, the method includes associating a money transfer card with the money transfer register, and providing the money transfer card to the seller's location. In another aspect, the receipt of the money transfer activation request includes receiving an account identifier associated with the money transfer record, with the account identifier arranged on the money transfer card. In this way, a money transfer record can be created, and the money transfer can be initiated or requested using a money transfer card available for purchase at the seller's location. The location of the vendor, which may include a point of sale device or may be a commercial establishment, vendor or merchant (eg, supermarket, gas station, shopping center, airport or similar), may be used to facilitate a transfer of money between clients. I In some aspects, the activation request includes a money transfer amount and a transfer fee. The commission for transferring money can be a fixed commission (for example, a dollar amount established by money transfer), or a variable commission (for associated with the money transfer register may occur for example, with the reception of the money transfer control number of a second customer associated with the customer data set. In this way, additional security measures are in place to ensure that the correct participant receives the money transferred. In another embodiment of the present invention, a method for facilitating money transfer includes establishing a money transfer register and pairing the money transfer register with a money transfer card. The money transfer register and the money transfer card have an account identifier associated with the same. A money transfer activation request associated with the money transfer record is received, with the activation request including the identifier of account. The method includes receiving a money transfer execution request associated with the money transfer record, with the execution request also including the account identifier. In some aspects, the method includes authorizing a transfer of money to a money transfer recipient in an amount associated with the money transfer register.

The present invention also provides systems for initiating, processing, facilitating and / or making money transfers. One system includes a central computing system that has a processor coupled to a database. The central computing system also includes code to perform various methods or method steps of the invention. In a particular embodiment, the code includes a code to establish a money transfer record, to receive a money transfer activation request associated with the money transfer record, to receive an execution request associated with the transfer record of money and collect a set of customer data, and to authorize a money transfer associated with the money transfer record. The central computer may also include code to associate a money transfer card with the money transfer regie. In some aspects, the system includes a point-of-sale device arranged at the location of the vend < 2dor. The point of sale device is adapted to receive the money transfer activation request or the money transfer card and provide the money transfer activation request to the central computing system. In some aspects, the point of sale device receives an account identifier associated with the money transfer register of the money transfer card, and initiates the money transfer activation request. The initiation of the money transfer activation request may be presented, in some aspects, when the point of sale device sends the account identifier to the central computer. In one aspect, the central computing system includes a first central computer that has code to establish the money transfer register and a second central computer that has code to authorize the transfer of money associated with the money transfer register. In another aspect, the system includes code for collecting a client data set and associating the client data set with the money transfer record. Other aspects, characteristics and advantages of the present invention will become completely apparent from the following detailed description, the appended claims and the appended figures.

BRIEF DESCRIPTION OF THE FIGURES FIGS. 1A and IB are simplified front and rear representations, respectively, of a money transfer card assembly according to a modality of the present invention; Figure 2 is a simplified schematic system for facilitating the transfer of acuerdf money with one embodiment of the present invention; and Figure 3 is a simplified flow chart of a (method according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE INVENTION I The present invention includes systems and methods that I initiate, facilitate, process and / or perform money transfers between clients. The embodiments of the present invention will be particularly useful for clients who wish to send money without physically going to a money transfer location, such as a Western Union office. The number of locations in which a money transfer can be initiated is increased through the use of systems and methods of the present invention. Some modalities result in increased transaction speed and improved convenience for customers. Figures 1A and IB represent front and back views of a money transfer card assembly 100 according to an embodiment of the present invention. The assembly 100 includes a first carrier portion 120 coupled to a money transfer card 110. ' In one embodiment, the carrier portion 120 and the money transfer card 110 are coupled along the joining edges. The first carrier portion 120 and the money transfer card 110 can be formed from a single sheet of material with a separation carrier portion 120 with dotted line and card 110. In one embodiment, a second carrier portion 122 is coupled to an opposite edge of the card 110 as shown in Figures 1A and IB. It will be appreciated by those skilled in the art that the money transfer card 110 can be coupled to carriers in alternative ways within the scope of the present invention. Other means for coupling the carrier portion 120 and the card 110 are described in U.S. Provisional Patent Application No. 60 / 638,079, entitled "Transaction Cards Manufacturing Systems, Systems and Methods", filed on December 20, 2004, assigned to the assignee of the present invention, of which the full description is incorporated herein by reference, In addition, in alternative embodiments of the present invention, the money transfer cards 110 are displayed and / or sold without a carrier or Carrier portion The first carrier portion 120 includes a space 124 that can be accepted for writing, images or the like, In this way, the carrier portion 120 can be used to advertise the money transfer card 110 coupled thereto and / or to provide information about a money transfer transaction which can be initiated using the 110 card. The 120 port portion In addition, it may include a hole 126 disposed therethrough to hang the assembly 100 on a hook J or other point-of-sale display. In this way, the money transfer card assemblies 100 can be presented to potential customers near, for example, the exit of several commercial establishments. | As shown in Figure 1A, in one embodiment, a front surface of the money transfer card 110 also includes writing, images or the like 114. This writing may include, for example, the value of the money transfer associated with the card 110, the name of the money transfer organization (for example, Western Union), a reseller or merchant name, or the like. In one embodiment, an account identifier 112 is disposed in or stamped on the surface of the money transfer card 110. In one embodiment, the account identifier 112 is a uniform product code (UPC) that can be read by a point-of-sale device in use at various vendor locations. In this way, a customer wishing to transfer money in a particular denomination can select an appropriate money transfer card assembly 100 corresponding to that denomination. The customer then presents the money transfer card assembly 100 to a point-of-sale device or an assistant operating the point-of-sale device at the vendor's location. The point of sale device reads the account identifier 112 to charge the customer the designated amount for the purchase of the money transfer card 110. In a modality, the customer is charged an amount associated with the money transfer card 110, with the amount including the amount to be transferred and any commissions for money transfer. In another embodiment, the customer is charged a money transfer amount and a separate money transfer fee associated with the purchase of the money transfer card 110. For example, in one embodiment, the money transfer card 110 corresponds to a hundred dollars ($ 100.00) money transfer, and the purchase of the money transfer card assembly 100 costs nine dollars and ninety-five cents ($ 9.95) to reflect a commission for money transfer.

As shown in Figure IB, in one embodiment, the reverse side of the money transfer card 110 includes an account or card identifier 118. In one embodiment, the account identifier 118 is a string of alphanumeric characters. In some embodiments, the account identifier 118 corresponds to the account identifier 112 disposed on the front surface of the card 110. In one embodiment, the card 110 has only an account identifier 112, 118. Account identifiers 112, 118 may take a number Io in different ways within the scope of the present invention including, for example, a string of alphanumeric characters, a universal product code (UPC), a magnetic stripe and the like. In this manner, the purchaser of the money transfer card assembly 100 has a designated account identifier and associated with the money transfer card 110 for the subsequent execution of the money transfer as further described in the following. In a particular embodiment, the card 110 includes a code 116 disposed on the front or back surface thereof. The code 116 may take a number of different forms within the scope of the present invention including, for example, a string of alphanumeric characters, a universal product code (UPC), and the like. The code 116 may be similar to a personal identification number, unique to the associated money transfer card 110. In a particular embodiment, the code 116 is hidden under a peelable surface. In this way, the customer purchases the money transfer card assembly 100 at the vendor's location before accessing the code 116. A particular advantage of some embodiments is the ability of the customer to purchase the money transfer card assembly 100. in a variety of vendor locations. In addition, in some modalities, vendor locations do not need to require special software or request that the clerk who operates the point-of-sale device at the vendor's location enter detailed information about the buyer of the card. In a particular embodiment, the software and hardware necessary to allow the purchase of the card assembly 100 I corresponds or is similar to the hardware and software adapted for the sale of cards of altered values. The money transfer organization, in some embodiments, targets particular neighborhoods, regions or the like with appropriate card assemblies 100. For example, in a very large Spanish-speaking neighborhood, the money transfer organization puts money transfer card assemblies 100 that have Spanish as the primary language in them. In this way, the money transfer card assemblies 100 can be commercialized demographically for increased sales. When studying money transfers initiated at the various locations of the seller, the money transfer organization may also put money transfer denominations as appropriate. For example, if a particular store generates a large number of high dollar money transfers, a greater number of high denomination money transfer card assemblies 100 may be placed in that store.

I Once the money transfer card 110 has been purchased, the customer requests the execution of the money transfer by communicating with a money transfer organization associated with the 110 card, such as Western Union. The execution of the money transfer can be achieved a number of times within the scope of the present invention. For example, a first customer 130 may enter a money transfer location such as a Western Union location, and provide relevant information to a customer service representative (CSR) for the first customer 130 and a second customer 140 who is the intended recipient of the money transferred. In a modality, the client1 130 requests the execution of the money transfer by providing the account identifier 118 and / or the code 116 to the CSR, IVR and / or website of the money transfer organization of the card 110 previously purchased by the client 130. This may occur, for example, when the first customer 130 is the money issuer for transactions between these two customers. The CSR enters the information collected into a computer system that uses appropriate software. In other modalities, the customer information is carried by telephone in a CSR, or in an interactive voice response system (IVR), by mobile or wireless devices, or the like, before providing the execution request for the transfer of money. . Alternatively, the execution request can be achieved when the first customer 130 enters the customer information into a money transfer organization website, such as the Western Union website. In these modalities, the customer 130 provides the money transfer organization with I identifiers 112, 118 of account, and / or code 116. The website of the money transfer organization may also indicate to the first customer 130 that it provides additional information such as a birth date, driver's license number, a password , or corresponds to code 116. Client 140 provides the money transfer control number to the money transfer organization, and possibly another proof of identity, before receiving the money transferred. In some embodiments, the first customer 130 may determine that the money transfer associated with the money transfer card 110 will be sent to more than one customer, or be sent to a single customer at intervals. For example, during the execution request process, the first customer 130 indicates that the money transfer associated with the money transfer card 110 will be sent to more than one customer. In this embodiment, the first customer 130 may receive more than one money transfer control identifier. For example, if the money transfer should be divided between two receivers, the first customer 130 can receive two money transfer control identifiers, one for each receiver to be used when trying to receive the transferred funds. Similarly, the first customer 130 may wish to send the money to one or more recipients, but have the money transfer distributed with the customer. For example, the first customer 130 may have purchased a money transfer card for five hundred dollars ($ 500.00), but you want card processing can comprise or be coupled to a server that maintains a Western Union website 270 in which the first customer 130 enters the money transfer execution data. Similarly, the central computing system 240 may have other user interfaces through which a customer service representative enters the money transfer execution information. For example, the central processing system 240 of card processing can include or be coupled to an interactive voice response system to enable the client 130 to request execution of a cash transfer. The system 200 also includes a central money transfer computer 260 and an associated database 262. The central computer 260 includes the necessary hardware and software to monitor, authorize and process money transfers between the first customer 130 and the second customer 140. As shown in Figure 2, the central money transfer computer 260 can be coupled to the computer central 240 for processing cards either directly or through a network 230. Network | 230 may include telephone networks, credit card networks, wide area networks, the Internet, wireless networks, and the like. In addition, depending on the type of processing device used to transmit the direct or may be a coupling through the network 230 as shown in Figure 2. While the central computing systems 240 and 260 are represented as separate systems, the central computing systems 240 and 260 may comprise a simple system. The central computing systems 240 and 260 may also have additional components other than those represented including, for example, multiple databases to facilitate the storage and retrieval of information from money transfer cards 110 and money transfer records associated with the same. In some modalities, portions of the 200 system are located in merchants, vendors, establishments I commercial, and similar, such as supermarkets, gas stations, shopping centers, airports and the like.

In one embodiment, a retail establishment has an associated vendor system 220 and coupled to a database 222. The vendor system 220 is also coupled to a point of sale (POS) device or terminal 210. This coupling may be a direct coupling or can be an electronic link through the network 230. A direct link between the vendor system 220 and the point of sale device 210 can comprise, for example, a point of sale terminal 210 in a store location, physically or wirelessly coupled with the vendor system 220. In some embodiments, the vendor system 220 comprises a server, a computer, or the like which may be located in a later space of the store or resale location. ! The vendor system 220 and its associated database 222 may contain a wide variety of records related to the store. For example, in some embodiments, database 222 contains inventories lists, price lists, vendor lists, employee information and the like. In a particular embodiment, the point of sale device 210 exists in a supermarket that has a plurality of items available for customers to purchase. Typically, such a point-of-sale device is part of a cash register system in which the customer, or an assistant or employee of the store, scans the UPC of the item or item information in the point-of-sale device 210. The point of sale device 210 receives the costs associated with these items from the vendor system 220. The point of sale device 210 then accumulates a total cost of all the items that are to be coupled by the first customer 130 and presents the total to the customer 130. The first customer 130 will then offer the payment for the desired items and leave the location from In some embodiments, point-to-point terminals 210 communicate with vendor system 220 through network 230. Point-of-sale devices 210 that can be used to capture, transmit or receive information to and from the system. 220 of central computation for some embodiments of the present invention are further described in co-pending US Application No. 10 / 116,689 entitled Systems and Methods for Performing Transactions at a Point of Sale, filed on April 3, 2002, and assigned to the transferee of the present invention, of which the full description is incorporated in the | present for reference. In some cases, the first customer 130 purchases items in the store using the procedure noted above, although he also wishes to initiate a money transfer for the second customer 140. In some embodiments of the present invention, the system 200 is adapted to allow the First customer 130 initiate a money transfer at the location of the store using terminal 210 of point of sale. In a particular fashion, the customer 130 selects a money transfer card assembly 100 and presents the assembly 100 to the point of sale terminal 210 or to an assistant operating the point of sale terminal 210. In one embodiment, the account identifier 112 and / or 118 is read from the card 110 with the POS device 210 and sent to the central card processing computer 240. In this way, the central computer 240 is informed that the money transfer associated with the card 110 is being requested. In some embodiments, the central computer 240 returns an authorization to the POS device 210 to allow the sale of the card 110 to be completed. In other embodiments, the cost of the card 110, which in some embodiments includes the amount of transfer a commission for trans Money transfer, is read by the POS device 210. The POS device 210, or the auxiliary that operates the POS device 210, then charges the customer money 130 for the money transfer card assembly 100. In some embodiments, the amount to be charged to the customer 130 is displayed in the card assembly 100. In other embodiments, the central system 240 returns a money transfer authorization to the POS device 210 which includes the amount to be charged to the customer. In some embodiments, the money transfer amount is (charged from the customer 130, and any fees for money transfer are deducted from the amount charged.) In other embodiments, the POS device 210 is instructed mode, point of sale terminal 210 is communicated via network 230 to central computer 240 in order to initiate or facilitate the transfer of money. In one embodiment, appropriate software is maintained in the central computer 240, central computer 260 and / or remote computer 250 or its associated databases 242, 262 to perform the money transfer process. Further details on some methods in accordance with the present invention will be described in conjunction with Figure 3. When the customer 130 makes the payment for items purchased at the store and / or for a money transfer, this payment may require additional authorization. For example, if the customer 130 is paying with a credit card, a standard credit card authorization can be made using the point of sale terminal 210. Similarly, if the customer 130 is paying with a personal check, a check authentication process can be performed at the point of sale terminal 210. In some modalities, the customer 130 will be making the payment only for the transfer of money. In other modalities, the customer 130 will be paying for the | transfer of money and also for additional items purchased at the location of the store that operates point of sale terminal 210. In this way, the client 130 can achieve multiple tasks for example by returning now to Figure 3, a method 300 of the present invention will be described. As shown in Figure 3, method 300 includes establishing a money transfer register (Block 310). This may involve, for example, that the central card processing system 240 create a money transfer register and associate the registration with a money transfer card 110 for sale at various locations of the seller. The method 300 includes receiving a money transfer activation request (Block 320). The receipt of the money transfer activation request can be presented in accordance with any of the methods described above. For example, the activation request may be represented on a UPC or on a magnetic stripe on the money transfer card 110 or the card assembly 100 which is received by the point 210 device.

I sale or an assistant that operates the point of sale device 210. The activation request is sent to the central system 240 in a modality. I Method 300 optionally includes receiving a I payment record. The receipt of the payment record may include the point of sale device 210 and / or the vendor system 220 which sends to the central system 240 and / or the system 260 a record that the payment has been received from the customer 130 by a transfer of money associated with the money transfer card 110 purchased by the customer 130. The payment record may reflect the collection of the amount to be transferred and the commission for transfer of money, if any. In other modalities, the activation request operates to inform the money transfer organization how much money transfer and commissions have been charged. In some embodiments, the payment is made by the first customer 130 during a subsequent execution request. I Method 300 includes receiving an execution request (Block 330). As noted in the foregoing, the execution request will typically be initiated by the customer 130 after the purchase of the money transfer card 110. If the central systems 240 and / or 260 confirm that everything appears to be in order with respect to the transfer card 110 and the clients 130 and / or 140, the method 300 includes authorizing the transfer of money (Block 340). The receiver of the money transfer, the client 140 in this example, can then receive the funds transferred from the remote 250 I system. In some embodiments, the system 260 makes money available to the second customer 140 only after a period of time has elapsed since the first customer 130 paid. In this way, non-cash payments (for example, checks, credit cards, and other payment methods that require authorization) made by the first customer 130 at the seller's location for the money transfer can be approved or confirmed before delivery the cash to the second customer 140. In addition, the customer 140 may be asked to provide the system 250 with the money transfer control number, code 116, account identifier 112, 118, and / or proof of identity. In this way, desired security controls can be implemented. The receipt of the payment can also include receiving the payment of a commission for transfer of money. In some modalities, the commission for transferring money is deducted from the amount of money transfer requested. In other embodiments, the customer 130 initiating the transfer pays the amount he wishes to transfer to the receiver, and also pays a commission for transfer of money. In this way, receiving the payment can have multiple components. The payment may also include a portion of payment for the customer's purchase of various customer items or services in a resale location that operates the POS device 210. The database 222 can store a record of the money transfer request that is processed. The receipt of the payment record may include receipt of funds collected or receipt of payment records through an ACH or other system. The flow of funds process and the interaction between the various components of the system 200 may be presented in a number of ways within the scope of the present invention. For example, in one embodiment, the client 130 uses a CSR, IVR, or a website interface 270 to perform the transaction. The central money transfer computer 260 initiates a cash conversion in the central card processing computer 240, and then the central computer 260 authorizes payment to customer 140. As noted previously, payment to customer 140 may require customer 140 to provide a money transfer control identifier, personal identification., code 116 p similar. The advantages of the present invention, which include the examples described in conjunction with Figures 1-3, are numerous. For the customer, the customer now has multiple locations in which to initiate a money transfer. The customer can perform many tasks when sending money from a location in which he had already planned to buy groceries or similar. In addition, the customer does not need to provide all the information typically needed for a money transfer to the store assistant, but can interact with CSR customer traffic at their store locations. For example! while the previous examples describe the user who proceeds to a supermarket to buy items and at the same time initiates a money transfer, the opposite may happen. For example, the customer can proceed to the supermarket to start a money transfer, and while there is buying some items. In addition to the possibility of additional purchases, increased revenues can be received by the merchant through commissions paid by the customer and / or e! central money transfer computer. In one mode, the seller receives a small commission from the money transfer organization for each money transfer initiated from the vendor's location. Still another advantage for the seller can be the float available to the seller. The seller may have in his account the money associated with the money transfers paid by his clients during a period of time before the transfer of money to the central system 240, 260. It will be appreciated by those skilled in the art that additional benefits for each of the participants of the methods of the present invention, arising from one or more components of the systems of the present invention can be realized within the scope of the present invention.

The invention has now been described in detail. However, it will be appreciated that the invention may be carried out in other ways than those illustrated in the aforementioned discussion, and that certain changes and modifications may be practiced within the scope of the appended claims. For example, the transfer of money could be presented between two regular customers who make use of a transfer peer record as described in detail in the North American Patent Application entitled Systems and Methods of Money Transfer in Progress, presented contemporaneously with it and assigned to the assignee of the present invention, of which the full description is incorporated herein by reference. Accordingly, the scope of this invention is not intended to be limited by those specific examples, but rather to agree on the scope represented in the following claims.

Claims (1)

1. NOVELTY OF THE INVENTION Having described the present invention it is considered as a novelty and therefore the property described in the following claims is claimed as property. CLAIMS 1. A method to facilitate money transfers] the method characterized in that it comprises: l establishing a money transfer register); I receive, from a vendor's location, a money transfer activation request associated with the money transfer record; receive an execution request associated with the money transfer record and collect a client data set; and authorize a money transfer associated with the money transfer register. I 2. The method for facilitating money transfers in accordance with claim 1, I characterized in that it comprises associating a money transfer card with the money transfer register, and providing the money transfer card to the seller's location. 3. The method for facilitating money transfers in accordance with claim 2, characterized in that receiving the money transfer activation request comprises receiving an account identifier associated with the money transfer register, the account identifier disposed on the card of money transfer. 4. The method to facilitate money transfers! according to claim 1, characterized in that the activation request comprises at least one data article selected from a group of data elements which generally consist of an account identifier, a customer name, a transfer amount of money and a commission for transferring money.; 5. The method to facilitate transfers of 7. The method for facilitating money transfers according to claim 6, characterized in that receiving the execution request comprises receiving the account identifier and the code of a money transfer client. 8. The method for facilitating money transfers) according to claim 7, further characterized in that it comprises receiving the execution request with an interaxial voice response system. 9. The method for facilitating money transfers in accordance with claim 7, further characterized in that it comprises receiving the execution request with a website. 10. The method for facilitating money transfers according to claim 1, characterized in that the client data set comprises a name of a money transfer initiator. 11. The method for facilitating money transfers according to claim 1, characterized in that the client data set comprises a name of a money transfer receiver. 12. The method for facilitating transfers of money i in accordance with claim 1, characterized in that the location of the seller comprises a commercial establishment. 13. A method for facilitating money transfers (the method characterized in that it comprises: establishing a money transfer register and putting the money transfer register in pairs with a money transfer card, the money transfer register and the money transfer card! have an account identifier associated with them; I receive a money transfer activation request associated with the money transfer record, the activation request includes the account identifier, and (receive an application) of money transfer execution associated with the money transfer register, the execution request comprises the account identifier (14. The method according to claim 13, further characterized in that it comprises collecting a customer data set)., the client data set identifies a money transfer initiator and a money transfer receiver. 15. The method according to claim 14, further characterized in that it comprises authorizing a transfer of money to the money transfer recipient in an amount associated with the registration. of money transfer. 16. A system for facilitating money transfers, characterized in that it comprises: a central computing system comprising a processor coupled to a database; where the central computing system also comprises: code to establish a money transfer register; code for receiving, from a location of the vendor, a money transfer activation request associated with the money transfer register; i code to receive an execution request i associated with the money transfer register and collect a set of customer data; and code to authorize a money transfer associated with the money transfer record. The system according to claim 16, characterized in that the central computer also comprises code to associate a money transfer card with the money transfer register. The system according to claim 17, further characterized in that it comprises a point-of-sale device arranged at the vendor's location, the point-of-sale device adapted to: receive an account identifier from the money transfer card, the account identifier associated with the money transfer register; and (provide the request for activation of money transfer to the central computing system 19. The system according to claim 16, characterized in that the central computing system comprises a first central computer that has the code to establish the transfer register. of money and a second central computer having the code to authorize the transfer of money associated with the money transfer register 20. The system according to claim 16, characterized in that the central computing system also comprises code to collect a client data set and associate the customer data set with the money transfer record.