Systems and methods for emergency money transfer transactions

1. A method comprising:

receiving money transfer transaction information from a sending party by a money transfer service at a time of the money transfer transaction;

determining whether a money transfer transaction associated with the received money transfer transaction information will be unfunded at the time of the transaction, wherein the money transfer transaction being unfunded includes transferring funds from the sending party to a receiving party prior to the money transfer service receiving the funds from the sending party;

compiling, by at least one processing device, reliability data with respect to the sending party from the money transfer service, the reliability data including data probative of an ability of the sending party to provide funding for the transaction at a time later than the time of the transaction;

wherein the reliability data from the money transfer service comprises data from a customer account of the sending party maintained by a database of the money transfer service, the data from a loyalty account comprising at least information relating to previous money transfer activities of the sending party;

determining, by said at least one processing device, based on the complied reliability data, whether the sending party is eligible to establish an unfunded money transfer transaction, the unfunded money transaction being a transaction without funding being received prior to transferring the funds in the transaction;

providing, by said at least one processing device, a determination indicating that the sending party is eligible to establish an unfunded money transfer transaction; and

in response to the determination, completing the money transfer transaction by sending funds to the receiving party pursuant to the money transfer transaction without receiving the funds from the sending party at the time of the transaction.

2. The method of claim 1 wherein the compiled reliability data further comprises transaction reliability information received from a third party server.

3. The method of claim 1 wherein the determination includes a maximum amount of money that may be utilized in the transaction.

4. The method of claim 1 further comprising receiving funds for the money transfer transaction by the money transfer service at a later point in time, wherein an amount of funds received equals an amount of money transferred plus a transaction fee.

5. The method of claim 1 further comprising automatically establishing a lending relationship with a third party financial institution at the time of the money transfer transaction.

6. The method of claim 5 wherein payment is provided to the money transfer service in order to pay for the money transfer transaction.

7. A method comprising:

initiating a money transfer transaction by a money transfer service;

obtaining transaction information regarding a sending party, transaction amount, and receiving party;

determining whether payment for the money transfer transaction will be provided at a point-of-sale;

compiling, by a processing device, reliability information for the transaction to determine whether to establish an unfunded money transfer transaction, wherein the unfunded money transaction includes transferring funds from the sending party to a receiving party prior to the money transfer service receiving the funds being transferred from the sending party;

determining, by the processing device, based on the complied reliability information, whether the sending party is eligible to establish an unfunded money transfer transaction; and

sending, based on the eligibility determination, funds to the receiving party without receiving the funds from the sending party at a time of the transaction;

wherein the reliability information comprises data from a customer account of the sending party maintained by a database of the money transfer service, the data from the customer account comprising at least previous money transfer activities of the sending party and situational information associated with the transaction.

8. The method of claim 7 further comprising sending the funds to a receiving party.

9. The method of claim 7 further comprising establishing a payment plan for the money transfer transaction and receiving authorization to deduct an automated clearing house payment from an account associated with a sending party at a later point in time.

10. The method of claim 7 wherein establishing a payment plan for the money transfer transaction includes arranging for a payment schedule for multiple payments to be made by a sending party at different points in time.

11. The method of claim 7 further comprising collecting a fee for the money transfer transaction.

12. The method of claim 11 wherein the fee is collected at the point-of-sale.

13. The method of claim 11 wherein the fee is collected along with one or more payments associated with an established payment plan.

14. The method of claim 11 wherein the fee amount is determined based on a type of payment plan established.

15. The method of claim 7 further comprising utilizing a third party to provide reliability information for the sending party.

16. The method of claim 15 wherein the determining whether the sending party is eligible to establish an unfunded money transfer transaction utilizes a third party service to obtain information regarding the sending party.

17. The method of claim 16 wherein the determining whether the sending party is eligible to establish an unfunded money transfer transaction utilizes a third-party service to underwrite the unfunded transaction.

18. The method of claim 7 wherein the determining whether the sending party is eligible to establish an unfunded money transfer transaction provides a determination to establish a money transfer transaction for an amount less than the requested transfer amount.

19. The method of claim 7 wherein the situational information includes information which indicates whether the sending and receiving parties are related.