Mobile Remittance Network

1 . A computerized method for performing a funds transfer transaction from a sender to a recipient through a network of user-accessible terminals, comprising:

receiving first embedded identification information from a first official identification document submitted by the sender, the first embedded identification information, which is used to identify the sender, including an official identification document number, and at least one of a country and state that issued the official identification document, a sender's identity being associated with an account of the sender;

receiving recipient identification information, identification information of a recipient's personal communication device, and other transactional details for the funds transfer transaction from the sender, the recipient's identification information, the other transactional details and the identification information of the recipient's personal communication device being associated with the sender's account;

sending login information to the recipient's personal communication device, the login information being associated with the recipient's identification information, the other transactional details and the sender's account;

retrieving the recipient identification information and the other transactional details in response to a login attempt by a claimant, the login attempt being associated with the recipient's identification information and the other transactional details;

receiving second embedded identification information, which is used to verify an identity of the claimant, from a second official identification document submitted by the claimant;

permitting the claimant to access a recipient's account when the second embedded identification information corresponds to the retrieved recipient identification information, the recipient's account being associated with an identity of the recipient; and

authorizing transfer of funds from the sender's account to the recipient's account,

whereby the sender and the recipient complete the funds transfer transaction using the official identification documents of the sender and the recipient and the recipient's personal communication device.

2 . The method of claim 1 further comprising:

performing at least one of anti-money laundering, anti-terrorist financing and anti-financial crimes measures based on a government having jurisdiction over the sender.

3 . The method of claim 1 further comprising:

performing at least one of anti-money laundering, anti-terrorist financing and anti-financial crimes measures based on a government having jurisdiction over the recipient.

4 . The method of claim 1 further comprising:

permitting the sender to conduct at least one future funds transfer transaction by logging into the sender's account with at least one of a user ID, password, personal identification number, account identification number, national identification number, tax identification number, Identification document number, and any official identification document.

5 . The method of claim 4 in which:

permitting the sender to conduct at least one future funds transfer to a recipient by authorizing the funds transfer from the sender's account to the recipient's account based on identification information of the recipient's account.

6 . The method of claim 5 in which:

the identification information of the recipient's account includes at least one of a number, alphanumeric character, address, name, description, and symbol.

7 . The method of claim 1 further comprising:

permitting the sender to identify the sender's account with any official identification document of the sender or any personal communication device of the sender.

8 . The method of claim 1 further comprising:

permitting the sender to transfer funds into the senders account.

9 . The method of claim 1 further comprising:

permitting the sender to transfer funds out of the sender's account.

10 . The method of claim 1 further comprising:

permitting the recipient to receive at least one future payment by logging into the recipient's account with at least one of a user ID, password, personal identification number, account identification number, national identification number, tax identification number, Identification document number, and any official identification document.

11 . The method of claim 10 further comprising:

permitting the recipient to receive at least one future funds transfer to the recipient by requesting the funds transfer from a senders account to the recipient's account based on identification information of the sender's account.

12 . The method of claim 11 in which:

the identification information of the sender's account includes at least one of a number, alphanumeric character, address, name, description, and symbol.

13 . The method of claim 1 further comprising:

permitting the recipient to identify the recipient's account with any official identification document of the recipient or any personal communication device of the recipient.

14 . The method of claim 1 further comprising:

permitting the recipient to transfer funds into the recipient's account.

15 . The method of claim 1 further comprising:

permitting the recipient to transfer funds out of the recipient's account.

16 . The method of claim 1 in which:

the identification information of a recipient's personal communication device includes at least a number, alphanumeric number, address, name, description, and symbol.

17 . A computerized method for performing a funds transfer transaction from a sender to a recipient through a network of user-accessible terminals, comprising:

receiving first embedded identification information from an official identification document submitted by the sender, the first embedded identification information, which is used to identify the sender, including an official identification document number, and at least one of a country and state that issued the official identification document, a sender's identity being associated with an account of the sender;

receiving recipient identification information, identification information of a recipient's personal communication device, and other transactional details for the funds transfer transaction from the sender, the recipient's identification information, the other transactional details and the identification information of the recipient's personal communication device being associated with the sender's account;

sending funds claiming information to the recipient's personal communication device, the funds claiming information being associated with the recipient's identification information, the other transactional details and the sender's account, and including the identification information of a computer system that has the sender's account;

retrieving the recipient identification information and the other transactional details in response to funds claiming by a claimant, the funds claiming being associated with the recipient's identification information and the other transactional details; and

authorizing funds transfer from the sender's account to the claimant in accordance with the other transactional details when second embedded identification information obtained from a second official identification document submitted by the claimant corresponds to the retrieved recipient identification information,

whereby the sender and the recipient complete the funds transfer transaction using the official identification documents of the sender and the recipient and the recipients personal communication device.

18 . A computerized method for performing a funds transfer transaction from a sender to a recipient through a network of user-accessible terminals, comprising:

receiving second embedded identification information, which is used to verify an identity of a claimant, from a second official identification document submitted by the claimant;

receiving funds claiming request from the claimant based on funds claiming information, the funds claiming information being sent to a recipient's personal communication device and including identification information of a computer system that sent funds claiming information to the recipients personal communication device and has a sender's account associated with the funds claiming information, recipient identification information, other transactional details defined by the sender and a sender identity obtained from first embedded identification information of an official identification document submitted by the sender, the first embedded identification information including an official identification document number, and at least one of a country and state that issued the official identification document; and

receiving authorization of delivery of payment to the claimant in accordance with the other transactional details when the second embedded identification information corresponds to the recipient identification information, the recipient identification information and the other transactional details being retrieved in response to the funds claiming by the claimant,

whereby the sender and the recipient complete the funds transfer transaction using the official identification documents of the sender and the recipient and the recipient's personal communication device.

19 . A computer system for performing a funds transfer transaction from a sender to a recipient, comprising:

a first communication module that receives first embedded identification information from a first official identification document submitted by the sender, the first embedded identification information, which is used to identify the sender, including an official identification document number, and at least one of a country and state that issued the official identification document, a sender's identity being associated with an account of the sender;

a second communication module that receives recipient identification information, identification information of a recipient's personal communication device, and other transactional details for the funds transfer transaction from the sender;

a database that stores the recipient's identification information, the other transactional details, and the identification information of the recipient's personal communication device with the sender's account;

a third communication module that sends login information to the recipient's personal communication device, the login information being associated with the identification information of the recipient, the other transactional details and the sender's account;

a data retrieving module that retrieves the recipient identification information and the other transactional details in response to a login attempt by a claimant, the login attempt being associated with the recipient's identification information and the other transactional details;

a fourth communication module that receives second embedded identification information, which is used to verify an identity of the claimant, from a second official identification document submitted by the claimant; and

an authorizing module that authorizes funds transfer from the sender's account to a recipient's account when the second embedded identification information corresponds to the retrieved recipient identification information, the recipient's account being associated with an identity of the recipient,

whereby the sender and the recipient complete the funds transfer transaction using the official identification documents of the sender and the recipient and the recipient's personal communication device.

20 . The computer system of claim 19 in which:

at least one of the first communication module, the second communication module, the third communication module, and the fourth communication module is integrated with one other communication module.

21 . A computer system for performing a funds transfer transaction from a sender to a recipient, comprising:

a first communication module that receives first embedded identification information from an official identification document submitted by the sender, the first embedded identification information, which is used to identify the sender, including an official identification document number, and at least one of a country and state that issued the official identification document, a sender's identity being associated with an account of the sender;

a second communication module that receives recipient identification information, identification information of a recipient's personal communication device, and other transactional details for the funds transfer transaction from the sender;

a database that stores the recipients identification information, the other transactional details, and the identification information of the recipients personal communication device with the senders account;

a third communication module that sends funds claiming information to the recipient's personal communication device, the funds claiming information being associated with the recipient's identification information and the other transactional details, and including the identification information of a computer system that has the sender's account;

a data retrieving module that retrieves the recipient identification information and the other transactional details in response to funds claiming by a claimant, the funds claiming being associated with the recipient's identification information and the other transactional details; and

an authorizing module that authorizes funds transfer from the sender's account to the claimant in accordance with the other transactional details when second embedded identification information obtained from a second official identification document submitted by the claimant corresponds to the retrieved recipient identification information,

whereby the sender and the recipient complete the funds transfer transaction using the official identification documents of the sender and the recipient and the recipient's personal communication device.

22 . The computer system of claim 21 in which:

at least one of the first communication module, the second communication module, and the third communication module is integrated with one other communication module.

23 . A computer system for performing a funds transfer transaction from a sender to a claimant through a computerized network of user-accessible terminals, comprising:

a first communication module that receives second embedded identification information, which is used to verify an identity of a claimant, from a second official identification document submitted by the claimant;

a second communication module that receives funds claiming information from the claimant, the funds claiming information being sent to a recipient's personal communication device and including the identification information of a computer system that sent funds claiming information to the recipient and has a sender's account associated with recipient identification information, other transactional details defined by the sender and a sender identity obtained from first embedded identification information of an official identification document submitted by the sender, the first embedded identification information including an official identification document number, and at least one of a country and state that issued the official identification document; and

a third communication module that receives authorization of delivery of payment to the claimant in accordance with the other transactional details when the second embedded identification information corresponds to the recipient identification information, the recipient identification information and the other transactional details being retrieved in response to the funds claiming by the claimant,

whereby the sender and the recipient complete the funds transfer transaction using the official identification documents of the sender and the claimant.

24 . The computer system of claim 23 in which:

at least one of the first communication module, the second communication module, and the third communication module is integrated with at least one other communication module.

25 . A terminal for performing a funds transfer transaction from a sender to a recipient through a computerized network, comprising:

a first input device that receives first embedded identification information from a first official identification document submitted by the sender, the embedded identification information, which is used to identify the sender, including an official identification document number, and at least one of a country and state that issued the official identification document;

a second input device that receives recipient identification information, identification information of a recipient's personal communication device, and other transactional details for the funds transfer transaction from the sender; and

a network interface device that connects the terminal through the network to a computer system that stores the identification information of the recipient's personal communication device, a sender identity, the recipient identification information and the other transaction details with a sender's account into a database and sends login information to the recipient's personal communication device, the login information being associated with identification information of the computer system, the sender's account, the recipient's identification information and the other transactional details, so the computer system is able to retrieve the recipient identification information and the other transactional details in response to a login attempt by a claimant based on the login information, and to authorize funds transfer from the sender's account to the claimant in accordance with the retrieved transactional details when the second embedded identification information obtained from a second official identification document submitted by the claimant corresponds to the retrieved recipient identification information.

26 . The terminal of claim 25 in which the first input device and the second input device are integrated into a single device.

27 . A terminal for performing a funds transfer transaction from a sender to a recipient through a computerized network, comprising:

a first input device that receives second embedded identification information, which is used to verify an identity of the claimant, from a second official identification document submitted by a claimant;

a second input device that receives a login attempt by the claimant based on login information sent to a personal communication device of the recipient by a computer system that associates a sender's account with the login information, identification information of the personal communication device of the recipient, recipient identification information, other transactional details and a sender identity obtained from first embedded identification information of a first official identification document submitted by the sender, the first embedded identification information including an official identification document number, and at least one of a country and state that issued the official identification document; and

a network interface device that connects the terminal through the network to the computer system so that the computer system is able to retrieve the recipient identification information and the other transactional details in response to a login attempt by a claimant based on the login information, and to authorize funds transfer from the sender's account to the claimant in accordance with the retrieved transactional details when the second embedded identification information corresponds to the retrieved recipient identification information.

28 . The terminal of claim 27 in which the first input device and the second input device are integrated into a single device.

29 . A computerized method for electronically transferring funds from a sender account to a recipient account through an electronic network of user-accessible terminals, comprising:

receiving, from a sender, embedded sender identification information of a first official identification document, recipient identification information, and an address of a recipient's personal communication device;

sending login information to the address of the recipient's personal communication device;

retrieving the recipient identification information in response to a login attempt with the login information;

receiving embedded claimant identification information of a second official identification document; and

authorizing transfer of funds from the sender account to the recipient account when the embedded claimant identification information corresponds to the retrieved recipient identification information.

30 . A system for electronically transferring funds from a sender account to a recipient account through an electronic network of user-accessible terminals, comprising:

a receiver that receives, from a sender, embedded sender identification information of a first official identification document, recipient identification information, and an address of a recipients personal communication device; and from a claimant, embedded claimant identification information of a second official identification document;

a transmitter that sends login information to the address of the recipient's personal communication device; and

a processor configured to retrieve the recipient identification information from a storage in response to a login attempt with the login information, the processor authorizing transfer of funds from the sender account to the recipient account when determining the embedded claimant identification information corresponds to the retrieved recipient identification information.

31 . A program product, tangibly stored on a computer readable medium for electronically transferring funds from a sender account to a recipient account through an electronic network of user-accessible terminals, comprising:

a sender receiving code segment that receives, from a sender, embedded sender identification information of a first official identification document, recipient identification information, and an address of a recipients personal communication device;

a transmitting code segment that sends login information to the address of the recipient's personal communication device;

a retrieving code segment that retrieves the recipient identification information in response to a login attempt with the login information;

a claimant receiving code segment that receives embedded claimant identification information of a second official identification document; and

a processing code segment that authorizes transfer of funds from the sender account to the recipient account when the embedded claimant identification information corresponds to the retrieved recipient identification information.