	US 7,540,408 B2
	Apparatus and method for facilitating money or value transfer
Judah Joseph Levine, Bethesda, Md. (US); and Ibrahima Ba, Superior, Colo. (US)
Assigned to HIP Consult Inc., Briarcliff Manor, N.Y. (US)
Filed on Jun. 22, 2006, as Appl. No. 11/425,839.
Prior Publication US 2007/0295803 A1, Dec. 27, 2007
Int. Cl. G07F 19/00 (2006.01); G06Q 40/00 (2006.01)

U.S. Cl. 235—379 [705/35; 705/39]

40 Claims

1. An apparatus for money or value transfer from at least one sender to at least one receiver using at least one service partner, the apparatus comprising at least one computing platform, executing the components of:

at least one protocol translator for translating at least one current request relating to the money or value transfer by the at least one sender to an internal communication protocol;

at least one gateway to the at least one service partner, for adapting the internal communication protocol to at least one communication protocol used by the at least one service partner;

at least one customer relationship and acquisition engine for responding to the at least one current request from the at least one sender or at least one receiver, and for suggesting to the at least one sender at least one customized service or at least one customized product based on at least one past request for registration, transaction, billing or historical transactions performed by the sender wherein the at least one customized service or the at least one customized product is separate from the at least one current request;

at least one rule engine for storing, validating, and applying at least one rule or at least one procedure to at least one transaction type, wherein the at least one rule or the at least one procedure relates to a country of the sender or a country of the received, said at least one rule engine running on said computing platform; and

at least one service partner engine for performing at least one activity related to the at least one service partner.