Emergency services / virtual travel wallet

Patent metadata

Field	Value
Publication number	US-10504196-B2
Application number	US-201615256486-A
Country	US
Kind code	B2
Filing date	Sep 2, 2016
Priority date	Sep 2, 2016
Publication date	Dec 10, 2019
Grant date	Dec 10, 2019

Abstract

Embodiments of the present disclosure provide a computer and network architecture configured to provide one or more travel services to users. The one or more travel services may enable the user to obtain funds in the event that the user's financial cards and/or cash are lost or stolen while the user is travelling. Additionally, the one or more travel services may enable the user to obtain a temporary form of identification if the user's passport or other form of identification are lost or stolen while travelling. Other travel services may that may be provided include a financial card cancellation service, a credit bureau alert service, a prepaid card service, or other services that enable a user to recover from an emergency situation that arises while the user is travelling.

First claim

What is claimed is:

1. A method of integrating computing devices for providing one or more pre-configured travel services, the method comprising:
receiving, by a first device of a transaction network, authorization from a governmental entity authorized to issue an authoritative form of temporary identification to users of the services;
receiving, by the first device, identification information corresponding to a user, wherein the identification information includes information representative of one or more forms of identification for identifying the user and wherein the identification information includes the residence of the user;
receiving, by the first device, travel service information, wherein the travel service information identifies one or more travel services pre-configured by the user in advance of the user travelling from a first location to a second location, and wherein the one or more pre-configured travel services comprise a form of identification replacement service;
storing, by the first device, the identification information and the travel service information in a database, wherein the identification information and the travel service information are stored in association with an account of the user, wherein the form of identification replacement service is preconfigured by storing the information representative of one or more forms of identification in the database, wherein the identification information includes information for populating one or more templates to create a temporary form of identification, wherein the one or more templates are included in a plurality of templates which are approved by the governmental entity authorized to issue an authoritative form of the temporary form of identification, and wherein the travel service information includes at least one notification rule required by the governmental entity authorized to issue an authoritative form of the temporary form of identification to be executed when the temporary form of identification is created;
receiving, by the first device from a second device geographically remote from the first device, a travel service request message that requests authorization to provide at least one requested travel service of the one or more pre-configured travel services to the user, wherein the at least one requested travel service comprises providing the form of identification replacement service to the user, wherein the travel service request message includes user identification information associated with an identity of the user;
authenticating, by the first device, the identity of the user based at least in part on the identification information stored in the database and the user identification information included in the travel service request message; and
in response to authentication of the user, transmitting, from the first device to the second device, a travel service authorization message to provide the at least one requested travel service to the user, wherein the travel service authorization message includes at least part of the travel service information stored in the database, wherein the second device initiates operations to provide the at least one requested travel service to the user based, at least in part, on the travel service information received from the first device, and wherein the form of identification replacement service is provided by:
receiving, by the first device from the second device, a request to create the temporary form of identification for the user, wherein the temporary form of identification is an authoritative form of identification for identifying the user;
in response to receiving the request to create the temporary form of identification, retrieving, by the first device, the identification information and the travel service information from the account of the user as previously stored in the database;

determining, by the first device and based upon the identification information, the residence of the user;
determining, by the first device and based upon the travel service information, the second location of the user based upon when the travel service request message is received;
determining, by the first device, the governmental a entity responsible for generating an authoritative form of identification for the user in a jurisdiction corresponding to the residence of the user, and wherein the temporary form of identification is a replacement for a lost or stolen form of identification previously issued to the user by the entity;
determining, by the first device, a template for creating the temporary form of identification for the user based on the identification information, wherein the template is approved by the governmental entity responsible for generating the authoritative form of identification for the user;
transmitting, by the first device, the template for creating the temporary form of identification to the second device, wherein the second device creates the temporary form of identification for the user; and
initiating notification operations based on the at least one notification rule, wherein the notification operations include executing the at least one notification rule to at least one of: (i) notify the governmental entity responsible for generating the authoritative form of identification that the temporary form of identification has been created, and (ii) notify an entity relevant to the second location associated with the user that the user has obtained the temporary form of identification.

2. The method of claim 1 , wherein the one or more travel services pre-configured by the user further comprise at least one service selected from the group consisting of: a money transfer transaction service, a document replacement service, a financial card cancellation service, a credit bureau alert service, an itinerary service, a log-in information service, a contact information service, and a prescription medication service.

3. The method of claim 2 , wherein the money transfer transaction service is pre-configured by staging a money transfer transaction prior to the user travelling from the first location to the second location, wherein information representative of the staged money transfer transaction is stored in the database, wherein the at least one requested travel service further comprises providing the money transfer transaction service to the user, wherein the money transfer transaction service is provided by:
retrieving, by the first device, the information associated with the staged money transfer transaction from the database, wherein the information associated with the staged money transfer transaction includes information that identifies a receive amount associated with the staged money transfer transaction and identifies a threshold time period during which the staged money transfer transaction is valid, the threshold time period corresponding to a predicted time period when the user will be at the second location;
determining, by the first device, whether the threshold time period is satisfied; and
in response to a determination that the threshold time period is satisfied, transmitting a transaction authorization message from the first device to the second device to authorize completion of the staged money transfer transaction, wherein completion of the staged money transfer transaction includes providing an amount of funds corresponding to the receive amount to the user.

4. The method of claim 1 , wherein providing the form of identification replacement service to the user further comprises:
transmitting, by the first device, a request to the entity to request creation of an authoritative replacement identification for the user, wherein the authoritative replacement identification serves as a replacement for the lost or stolen form of identification of the user previously issued to the user

Assignees

• Moneygram Int Inc

Inventors

• Feinberg Cory J
• Miller Kathleen L
• Beasley Rene Humphrey
• Montano Jesus R

Classifications

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06Q20/28

  Pre-payment schemes, e.g. "pay before" · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title