The system, which Western Union says could apply to a cryptocurrency exchange network, involves verification through a voice sample, a fingerprint, or a retinal or iris scan conducted using a desktop or laptop computer or a mobile device. The company filed the patent in December 2016, and in it describes a secure transfer server generating customized notifications to request or initiate a recurring transfer, and the automatic detection of changes in transfer parameters to customize instances of recurring transfer notifications.
The patent does not mention XRP, a cryptocurrency touted as ideal for money transfer services. Western Union entered a partnership earlier this year with blockchain startup Ripple to trial XRP, but has not realized the hoped-for efficiency gains yet.
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