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Sometimes the third party is real, sometimes fictitious.
Funds sent by Western Union and Money Gram do not have to be claimed by anyone showing identification if the sender sends money using a secret pass phrase and response, and can be picked up anywhere in the world.
Upon finding victims, scammers lure them to more private means of communication, (such as providing an e-mail address) to allow for fraud to occur.
The fraud typically involves the scammer acting as if they've quickly fallen for the victim so that when they have the opportunity to ask for money, the victim at that time has become too emotionally involved, and will have deep feelings of guilt if they decline the request for money from the scammer.
Unlike a gold digger, who marries for money, a pro-dater is not necessarily single or available in real life.