1. A method of performing money transfer send transactions comprising:
receiving at a non-bank financial institution (NBFI) data center registration information from a customer, including customer identification and qualification information and payment source identification;
performing verification of at least a portion of the identification and qualification information and at least a portion of the payment source identification and upon sufficient verification building a distribution profile in memory at the NBFI data center;
receiving at the NBFI data center from the customer and storing in the distribution profile send transaction specifications to stage each of two or more proposed send transactions;
receiving from a remote user access portal communicating with the NBFI data center a send initiation instruction with associated customer authentication data and payment source identification and responsive thereto, identifying from the customer authentication data a distribution profile in memory at the NBFI data center and based on the send initiation instruction identifying at least one of the staged send transaction specifications from the identified distribution file to be executed; and
responsive to the send initiation instruction, verifying the authentication data and the current status of the payment source identified in the distribution profile and upon sufficient verification, initiating a send transaction and a delivery of funds from a NBFI send system of the NBFI data center communicating with a non-bank agent network according to the at least one staged send transaction specification.
2. The method of claim 1 wherein the payment source identification comprises identification of a prepaid card account managed by a financial institution that also initiates the at least one send transaction.
3. The method of claim 1 further comprising providing the customer send transaction confirmation information including a transaction identifier to identify the send transaction.
4. The method of claim 1 wherein the step of receiving registration information comprises receiving payment source identification selected from the group consisting of: prepaid card identification, debit card identification, credit card identification, and bank account identification.
5. The method of claim 1 wherein the step of receiving a send initiation instruction comprises receiving associated customer authentication information for multifactor authentication.
6. The method of claim 5 wherein the customer authentication information is two or more of: a password, a PIN, a biometric identifier and a sending device identifier.
7. The method of claim 1 wherein the step of verifying the current status of the payment source comprises receiving status information selected from the group consisting of: closed account lists, account balance data and available funds data.
8. The method of claim 1 wherein the step of receiving send transaction specifications comprises storing a record for a proposed send transaction that makes a scheduled payment, including the payment schedule, and the step of receiving a send initiation instruction comprises receiving automated instructions generated in response to the payment schedule that identify a scheduled payment for a customer.
9. The method of claim 1 wherein the payment source identification identifies a prepaid card and further comprising means for receiving a transfer of funds to the prepaid card from a funding source selected from the group consisting of: cash, tax refunds, trust account funds, government program payments and government-facilitated payments.
10. The method of claim 1 wherein the step of receiving registration information comprises receiving information from a customer at an access portal in communication with the NBFI data center, selected from the group consisting of a telephone center, a web site and an agent terminal.
11. The method of claim 1 wherein the step of performing verification of at least a portion of the identification and qualification information and the payment source identification comprises verification of account-holder status using a micro-deposit.
12. The method of claim 1 wherein the act of building a distribution profile comprises building a distribution profile containing qualification information that varies according to the amount of a proposed send transaction and applicable compliance rules.
13. The method of claim 1 further comprising providing the customer an interactive distribution planner tool.
14. The method of claim 13 wherein the distribution planner tool presents at least one money transfer transaction option from the distribution profile.
15. The method of claim 13 wherein the distribution planner tool presents two or more money transfer transaction options from the distribution profile.
16. The method of claim 13 wherein the distribution planner tool performs calculations to aid a customer in allocating funds to two or more money transfer transactions.
17. A method of performing money transfer send transactions comprising:
receiving from a remote user access portal communicating with a non-bank financial institution (NBFI) data center a send initiation instruction with customer authentication data and a payment source identification and responsive thereto identifying from the customer authentication data a distribution profile for the customer in memory at the NBFI data center and selection information identifying at least one staged send transaction specification stored in the identified distribution profile to be executed, said distribution profile having been established by receiving in memory at the NBFI data center registration information from the customer, including customer identification and qualification information and payment source identification, by performing verification of at least a portion of the identification and qualification information and at least a portion of the payment source identification and upon sufficient verification, building the distribution profile at the NBFI data center by receiving at the NBFI data center from the customer and storing in the distribution profile send transaction specifications to stage each of two or more proposed send transactions; and
responsive to the send initiation instruction, verifying the authentication data and the current status of the payment source identified in the distribution profile and upon sufficient verification, initiating a send transaction and a delivery of funds from a NBFI send system of the NBFI data center communicating with a non-bank agent network according to the at least one staged send transaction specification.
18. The method of performing a money transfer send transaction of claim 17 wherein the payment source identified comprises a prepaid card account managed by a financial institution that also initiates the at least one send transaction.
19. The method of claim 17 further comprising providing the customer send transaction confirmation information including a transaction identifier to identify the send transaction.
20. The method of claim 17 wherein the act of receiving registration information comprises receiving payment source identification selected from the group consisting of: prepaid card identification, debit card identification, credit card identification, and bank account identification.
21. The method of claim 17 wherein the step of receiving a send initiation instruction comprises receiving associated customer authentication information for multifactor authentication.
22. The method of claim 21 wherein the customer authentication information is two or more of: a password, a PIN, a biometric identifier and a sending device identifier.
23. A system for performing money transfer send transactions comprising:
a component for receiving at a non-bank financial institution (NBFI) data center registration information from a customer, including customer identification and qualification information and payment source identification;
a component for performing verification of at least a portion of the identification and qualification information and at least a portion of the payment source identification and upon sufficient verification building a distribution profile in memory at the NBFI data center;
a component for receiving at the NBFI data center from the customer and storing in the distribution profile send transaction specifications to stage each of two or more proposed send transactions;
a component for receiving from a remote user access portal communicating with the NBFI data center a send initiation instruction with associated customer authentication data and payment source identification and responsive thereto, identifying from the customer authentication data a distribution profile and based on the send initiation instruction identifying at least one of the staged send transaction specifications from the identified distribution profile to be executed; and
a component responsive to the send initiation instruction, for verifying the authentication data and the current status of the payment source identified in the distribution profile and upon sufficient verification, initiating a send transaction and a delivery of funds from a NBFI send system of the NBFI data center communicating with a non-bank agent network according to the at least one staged send transaction specification.
24. The system of claim 23 wherein the payment source identification comprises identification of a prepaid card account managed by a financial institution that also initiates the at least one send transaction.
25. The system of claim 23 further comprising a component for providing the customer send transaction confirmation information including a transaction identifier to identify the send transaction.
26. The system of claim 23 wherein the component for receiving registration information comprises a component for receiving payment source identification selected from the group consisting of: prepaid card identification, debit card identification, credit card identification, and bank account identification.
27. The system of claim 23 wherein the component for receiving a send initiation instruction comprises a component for receiving associated customer authentication information for multifactor authentication.
28. The system of claim 27 wherein the customer authentication information is two or more of: a password, a PIN, a biometric identifier and a sending device identifier.
29. A computer readable storage medium encoded with computer program instructions for performing money transfer send transactions comprising:
an instruction component for receiving at a non-bank financial institution (NBFI) data center registration information from a customer, including customer identification and qualification information and payment source identification;
a instruction component for performing verification of at least a portion of the identification and qualification information and at least a portion of the payment source identification and upon sufficient verification building a distribution profile in memory at the NBFI data center;
a instruction component for receiving at the NBFI data center from the customer and storing in the distribution profile send transaction specifications to stage each of two or more proposed send transactions;
a instruction component for receiving from a remote user access portal communicating with the NBFI data center a send initiation instruction with associated customer authentication data and payment source identification and responsive thereto, identifying from the customer authentication data a distribution profile and based on the send initiation instruction identifying at least one of the staged send transaction specifications from the identified distribution profile to be executed; and
a instruction component for responsive to the send initiation instruction, verifying the authentication data and the current status of the payment source identified in the distribution profile and upon sufficient verification, initiating a send transaction and a delivery of funds from a NBFI send system of the NBFI data center communicating with a non-bank agent network according to the at least one staged send transaction specification.
30. The computer readable storage medium of claim 29 wherein the payment source identification comprises identification of a prepaid card account managed by a financial institution that also initiates the at least one send transaction.
31. The computer readable storage medium of claim 29 further comprising an instruction component for providing the customer send transaction confirmation information including a transaction identifier to identify the send transaction.
32. The computer readable storage medium of claim 29 wherein the instruction component for receiving registration information comprises a component for receiving payment source identification selected from the group consisting of: prepaid card identification, debit card identification, credit card identification, and bank account identification.
33. The computer readable storage medium of claim 29 wherein the instruction component for receiving a send initiation instruction comprises a component for receiving associated customer authentication information for multifactor authentication.
34. The computer readable storage medium of claim 33 wherein the customer authentication information is two or more of: a password, a PIN, a biometric identifier and a sending device identifier.
The claims below are in addition to those above.
All refrences to claim(s) which appear below refer to the numbering after this setence.
1. An apparatus for driving with a power driver a screwstrip comprising threaded screws, which are joined together in a strip comprising:
a housing;
an elongate drive shaft for operative connection to a power driver for rotation thereby and defining a longitudinal axis; a bit at a forward end of the drive shaft for engagement with a head of a screw,
a slide body coupled to the housing for displacement parallel to the axis of the drive shaft between an extended position and a retracted position;
the slide body having:
(a) a guide channel for said screwstrip extending through said slide body generally transverse to the axis;
(b) a screw feed activation mechanism coupled between the slide body and the housing whereby displacement of the slide body relative the housing between the extended position and the retracted position advances successive screws through the guide channel to an initial screw position axially in alignment with said drive shaft for engagement in driving of each screw by the bit carried at the forward end of the drive shaft forwardly into a workpiece;
(c) a socket with a forwardly directed interior surface to engage a rearwardly directed surface of a head of a screw axially in alignment with said drive shaft and urge the screw forwardly, and
(d) a forwardly directed touch down foot to engage the workpiece;
wherein with the slide body in the extended position relative the housing the screw in the initial screw position extends forwardly beyond the touch down foot for engagement of a tip of the screw with the workpiece,
wherein from the extended position with the screw in the initial position with the tip of the screw engaging the workpiece, on moving the housing forwardly toward the workpiece the forwardly directed interior surface of the socket engages the rearwardly directed surface of the head of the screw and pinches the screw between the socket and the workpiece causes the housing to move relative the slide body towards the retracted position such that the bit engages the head of the screw rotating the screw and the screw is driven sufficiently forwardly into the workpiece that the touch down foot engages the workpiece, whereupon with continued forward movement of the housing toward the workpiece engagement of the touch down foot with the workpiece causes the housing to move relative the slide body further towards the retracted position such that the bit in continued engagement with the head of the screw drives the screw further into the workpiece.
2. The apparatus claimed in claim 1 wherein the slide body has a bore extending therethrough coaxial with the driver shaft for passage of the driver shaft, the bore extending coaxially through the socket.
3. The apparatus claimed in claim 2 wherein the forwardly directed interior surface of the socket is disposed coaxially about the bore.
4. The apparatus claimed in claim 3 wherein the forwardly directed interior surface of the socket comprises a portion of an annular surface about the bore.
5. The apparatus claimed in claim 4 wherein the socket includes a radially directed stop shoulder to engage the head of a screw being advanced by screw feed activation mechanism and stop the advance of the screw with the head of the screw axially in alignment with said drive shaft,
the stop shoulder comprising a forwardly extending portion of the annular surface over a sector of the socket on a lateral side of the socket extending annularly not more than 180 degrees about the axis of the drive shaft.
6. The apparatus claimed in claim 1 wherein the socket includes a radially directed stop shoulder to engage the head of a screw being advanced by screw feed activation mechanism and stop the advance of the screw with the head of the screw axially in alignment with said drive shaft.
7. The apparatus claimed in claim 1 wherein the slide body includes a shank guide member engaging a shank of the screw spaced forwardly from the head of the screw toward the tip to locate the shank axially in alignment with said drive shaft.
8. The apparatus claimed in claim 7 wherein the shaft of the screw is engaged by the shank guide member rearward of the touch down foot.
9. The apparatus claimed in claim 7 wherein the shank guide member comprises a plurality of shank guide members mounted to the slide body for relative movement between a closed position and an open position,
in the closed position the shank guide members positioned to entrap therebetween the shank of the screw to locate the shank axially in alignment with said drive shaft, and in the open position the shank guide members defining an access passageway through which the shank is advanced by the screw feed activation mechanism to a position with the shank between the shaft guide members axially in alignment with said drive shaft.
10. The apparatus claimed in claim 9 wherein the shank guide member comprises a pair of shank guide members pivotably mounted to the slide body for pivoting between the closed position and the open position,
in the open position the shank guide members spaced apart from each other defining the access passageway therebetween.
11. The apparatus claimed in claim 9 wherein each shank guide member is spring biased to assume the closed position.
12. The apparatus claimed in claim 9 wherein the slide body carries a spreader mechanism to maintain the shank guide members in the open position after the screw has been driven past the shank guide members until the screw feed activation mechanism advances a next screw in the screw strip adjacent the screw being driven to the initial position.
13. The apparatus claimed in claim 12 wherein the spreader mechanism includes a spreader member movable between an unblocking position and a blocking position, in the blocking position the spreader mechanism having a leg received between the shank guide members maintaining the shank guide members in the open position against movement to the closed position.
14. The apparatus claimed in claim 13 wherein:
in the open position the shank guide members are spaced apart from each other sufficiently that leg may pass therebetween on the spreader mechanism moving from the unblocked position to the blocking position, and
in the closed position the shank guide members block the leg of the spreader mechanism from passing therebetween on moving the spreader mechanism from the unblocking position towards the blocking position.
15. The apparatus claimed in claim 14 wherein the shaft guide members have rearwardly directed camming surfaces,
wherein on moving the housing forwardly toward the workpiece after the screw is driven sufficiently forwardly into the workpiece an enlarged diameter portion of the screw rearward on the screw from the shaft engages the camming surfaces of the shaft guide members to pivot the shaft guide members to the open position whereupon the spreader mechanism is moved from the unblocking position toward the blocking position to move the leg in between the shaft guide members,
wherein on moving the housing further forwardly toward the workpiece sufficiently that the screw passes forwardly past the shaft guide members, the spring guide members are kept in the open position against closing under their spring bias position by the leg engaged therebetween, and
wherein on moving the housing further forwardly toward the workpiece sufficiently that the screw is substantially fully driven into the workpiece, the screw feed mechanism after advancing a next screw between the shaft guide members into alignment with the axis moves the spreader mechanism toward the unblocked position thereby moving the leg from between the shaft guide members permitting the shaft guide members to move under their spring bias to the closed position about the shaft of the next screw.
16. The apparatus claimed in claim 13 wherein the spreader mechanism is pivotably mounted to the slide body for pivoting between the unblocking position and the position blocking position, and
the spreader mechanism is spring biased toward the blocking position.
17. The apparatus claimed in claim 16 wherein in the open position the shank guide members are spaced apart from each other sufficiently that leg may pass therebetween under the spring bias acting on the spreader mechanism to pivot the spreader mechanism to the blocking position, and
in the closed position the shank guide members block the leg of the spreader mechanism from passing therebetween under the spring bias acting on the spreader mechanism to pivot the spreader mechanism from the unblocking position to the blocking position.
18. The apparatus claimed in claim 17 wherein the shaft guide members have rearwardly directed camming surfaces,
wherein on moving the housing forwardly toward the workpiece after the screw is driven sufficiently forwardly into the workpiece an enlarged diameter portion of the screw rearward on the screw from the shaft engages the camming surfaces of the shaft guide members to pivot the shaft guide members to the open position whereupon the spreader mechanism is pivoted under its spring bias to move the leg inbetween the shaft guide members,
wherein on moving the housing further forwardly toward the workpiece sufficiently that the screw passes forwardly past the shaft guide members, the spring guide members are kept in the open position against closing under their spring bias position by the leg engaged therebetween,
wherein on moving the housing further forwardly toward the workpiece sufficiently that the screw is substantially fully driven into the workpiece, the screw feed mechanism after advancing a next screw between the shaft guide members into alignment with the axis pivots the spreader mechanism toward the unblocked position sufficiently to move the leg from between the shaft guide members permitting the shaft guide members to move under their spring bias to the closed position about the shaft of the next screw and the spreader mechanism to move under its spring bias to the unblocked position,
wherein on moving the housing further forwardly toward the workpiece sufficiently that the screw passes forwardly past the shaft guide members, the spring guide members are kept in the open position against closing under their spring bias position by the leg engaged therebetween,
wherein on moving the housing further forwardly toward the workpiece sufficiently that the screw is substantially fully driven into the workpiece, the screw feed mechanism after advancing a next screw between the shaft guide members into alignment with the axis moves the spreader mechanism toward the unblocked position thereby moving the leg from between the shaft guide members permitting the shaft guide members to move under their spring bias to the closed position about the shaft of the next screw.
19. The apparatus claimed in claim 9 wherein on moving the housing forwardly toward the workpiece after the screw is driven sufficiently forwardly into the workpiece the shaft guide members are moved to the open position to permit the screw and driver shaft to pass forwardly therepast.
20. The apparatus claimed in claim 19 wherein the shaft guide members have rearwardly directed camming surfaces, wherein on moving the housing forwardly toward the workpiece after the screw is driven sufficiently forwardly into the workpiece an enlarged diameter portion of the screw rearward on the screw from the shaft engages the camming surfaces of the shaft guide members to pivot the shaft guide members to the open position.