SYSTEMS AND METHODS FOR PREPAID PAYMENT CARDS AND DIGITAL WALLET

SYSTEMS AND METHODS FOR PREPAID PAYMENT CARDS AND DIGITAL WALLET

A computing system has a communication interface for receiving, from a gift bag wallet application operating on a cardholder mobile device, a transfer request to transfer a balance of a prepaid payment card to a cardholder account associated with a cardholder digital wallet. A processor of the mobil...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: Thummalapenta, Balaji Rao, Tran, Tam H, Kanukurthy, Rashmi, Crossfield, Alexandra, Tadala, Suryanarayana Murty
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
HANDLING RECORD CARRIERS
PHYSICS
PRESENTATION OF DATA
RECOGNITION OF DATA
RECORD CARRIERS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:A computing system has a communication interface for receiving, from a gift bag wallet application operating on a cardholder mobile device, a transfer request to transfer a balance of a prepaid payment card to a cardholder account associated with a cardholder digital wallet. A processor of the mobile device is programmed to determine, from the transfer request, the prepaid payment card issuer and a payment network associated with the prepaid payment card. Using the communication interface, the system transmits, to the prepaid payment card issuer, a balance request message for a balance of the prepaid payment card and receives a balance request response message identifying the balance of the prepaid payment card. The system then transfers the balance of the prepaid payment card from the prepaid payment card issuer to the cardholder account associated with the cardholder digital wallet based on cardholder information of the cardholder account included in the transfer request.