Description de l'invention :
Currently money transfers from the diaspora to the country of origin is carried out mostly through informal channels. Only a quarter goes through banks and money transfer agencies. The reason for this is very high commissions ranging from 3 to 20%. Also, users of the System would not only make diaspora is but and all other citizens, because of the better conditions.
'' Cash transfer on line '' was conceived as a money transfer agency and as a banking service. The system would work by giving agents to collect information about the interested clients, data is entered in the form of a questionnaire on basic data and identification with the security issue. All forms are sent to the database to the central of agency. Establishing identity is done on the basis of security issues and other personal data. The client announces call center (toll free) answer to a controle question and the amount that want to send to another person. After verification and approval number of transaction is sending to the client's mobile phone number and email address and possibility of payment through the Internet. fter the first payment of fees each client would be invited to become a client of this bank. For him to any further transfer was free, and charged to a banking services account at the end of the year. A person who receives money in that bank can raise the money as soon as the sender or the call center informed that the money transferred. After the verification of the data of the recipient of money the bank officer paid the sum allocated. Payments shall be made in the major currencies. The money transfer is done in a matter of minutes, regardless of the distance of the sender and recipient. Price of transfers in the event that the sender and recipient are not clients of the bank, the fixed cost of 20 euros to be paid for the transaction less than 200 euros and 30 euros for larger amounts without limitation. |
