The present disclosure relates to a method of performing a Safe-Send transaction that may allow a sender to recall money transferred to a receiver even after the transaction is completed. According to the method, when the sender sends a transaction request the sender’s bank configures a Safe-Send limit and a Safe-Send time limit for the sender to perform a recall of the transaction. This is based on a concept called “Future-Lien.” So, once the money is transferred to the receiver’s bank account, the money is under Lien and the receiver would not be able to use the money for the Safe-Send time limit. During the Safe-Send time limit, the sender has the option to recall the money. At the end of the Safe-Send time limit, if the money is not recalled the money in the receiver’s account is removed from Lien and is available for use by the receiver.

Creative Commons License

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.