The Global Funds Transfer segment is the primary segment of MoneyGram, providing money transfer and bill payment services to consumers, who are often unbanked or underbanked. Money transfers can be claimed within 45 days, but if for some reason, this period is exceeded, the processing operator would need additional time to call the main office of the company of MoneyGram for voice authorization. MoneyGram financial results were driven by money transfer business, which delivered more than 40 percent growth in transaction volume. If MoneyGram money transfer, for some reason has not been received by the addressee, the sender will receive a refund. Technology continues to play a key role in increasing MoneyGram transaction speed, automating and streamlining processes, and creating new functionality. AgentConnect continues to be an attractive alternative for businesses that choose to integrate their networks and point-of-sale platforms with the MoneyGram wired transfer. Millions of people around the world trust MoneyGram, as the wired transfer system provides its customers with a reliable, fast and inexpensive service. Until 2004, the owners of MoneyGram were Viad Corp and Travelers Express Company Inc.