Systems and methods for transferring value to payment accounts

Patent metadata

Field	Value
Publication number	US-9558483-B2
Application number	US-201514595696-A
Country	US
Kind code	B2
Filing date	Jan 13, 2015
Priority date	Sep 8, 2014
Publication date	Jan 31, 2017
Grant date	Jan 31, 2017

Abstract

Systems and methods are provided for transferring value from to a payment account associated with a virtual wallet of a consumer. The value can be transferred using voucher-based transactions or cash-based transactions. One exemplary method includes receiving, at a computing device, a load request to transfer value to a payment account associated with a consumer. The load request includes the value to be transferred and a directory number for a mobile device associated with the consumer. The method also includes determining an account number for the consumer's payment account, at the computing device, based on the directory number for the consumer's mobile device and generating, by the computing device, a request indicating the value to transfer to the payment account and the account number for the consumer's payment account.

First claim

What is claimed is:

1. A computer-implemented method of transferring value to a payment account associated with a consumer, the method comprising:
receiving, at a computing device, a load request from a consumer to transfer value to a payment account associated with the consumer, the value to be transferred associated with a voucher, and the load request including the value to be transferred and a directory number for a mobile device associated with the consumer;
determining an account number for the consumer's payment account, at the computing device, based on the directory number for the consumer's mobile device;
generating, by the computing device, a request indicating the value to transfer to the payment account and the account number for the consumer's payment account, whereby the value associated with the voucher can be transferred by the consumer to the consumer's payment account; and
communicating, to an acquirer, said request indicating the value to transfer to the payment account, whereby said request is then communicated to an issuer associated with the payment account.

2. The method of claim 1 , wherein determining an account number includes transmitting a conversion request to a conversion engine, the conversion request including the directory number; and
receiving, in response to the conversion request, the account number mapped to the directory number from the conversion engine.

3. The method of claim 1 , wherein the load request further includes an identification number for the voucher.

4. The method of claim 3 , further comprising confirming validity of the voucher, by the computing device, prior to determining an account number for the consumer's payment account.

5. The method of claim 1
further comprising receiving a transfer authorization response from the issuer, via the acquirer, at the computing device, in response to the request.

6. The method of claim 1 , wherein the directory number for the consumer's mobile device includes a telephone number to the mobile device.

7. A system for transferring value to a payment account associated with a consumer via a payment network, the system comprising:
a payment network; and
a computing device coupled to the payment network, the computing device comprising a memory configured to store data relating to consumer payment accounts and a processor coupled to the memory, the processor configured to:
receive a request to transfer value to a payment account associated with a consumer, from an acquirer associated with a merchant at which the request was initiated, the request including the value to be transferred to the consumer's payment account and a directory number for a mobile device associated with the consumer;
correlate an account number for the consumer's payment account with the directory number for the consumer's mobile device;
generate a transaction request indicating the value to transfer to the consumer's payment account and the account number for the consumer's payment account; and
confirm that the transfer is complete, in response to a transfer authorization approving the transaction request.

8. The system of claim 7 , wherein the processor is further configured to cause an interface to display for receiving the value to be transferred to the consumer's payment account and the directory number for the consumer's mobile device from the consumer as part of the request.

9. The system of claim 7 , wherein the payment account is associated with a virtual pre-paid wallet.

10. The system of claim 7 , wherein the memory comprises a data structure configured to store directory numbers for mobile devices for multiple different consumers together with account numbers for payment accounts for the multiple different consumers, each account number associated with a directory number.

11. The system of claim 7 , wherein the directory number for the consumer's mobile device includes a telephone number to the mobile device.

12. The system of claim 7 , wherein the request is received from the consumer.

13. The system of claim 7 , wherein the request to transfer value to the payment account includes a request to transfer value from a voucher to the payment account.

14. A non-transitory computer readable media comprising instructions for transferring value, by a consumer, to a payment account of the consumer associated with a virtual pre-paid wallet that, when executed by at least one processor, cause the at least one processor to:
in response to a load request by a consumer to transfer value to a payment account of the consumer associated with a virtual pre-paid wallet, submit a directory number for a mobile device associated with the consumer to a conversion engine, whereby the directory number is mapped to an account number for the consumer's payment account;
communicate a transaction request, to a payment network, to transfer at least part of the value to the consumer's payment account, the transaction request including the at least part of the value to be transferred to the consumer's payment account and the account number for the consumer's payment account; and
confirm that the transfer is complete, in response to a transfer authorization approving the transaction request.

15. The non-transitory computer readable media of claim 14 , wherein the instructions further define the conversion engine such that, when the instructions are executed, the conversion engine maps the directory number for the consumer's mobile device to the account number for the consumer's payment account.

16. The non-transitory computer readable media of claim 14 , wherein the value to be transferred to the consumer's payment account is associated with a voucher.

17. The non-transitory computer readable media of claim 16 , wherein the transaction request to transfer at least part of the value to the payment account is communicated to an acquirer; and
further comprising instructions that, when executed by at least one processor, cause the at least one processor to receive the transfer authorization from the acquirer in response to the transaction request.

18. The non-transitory computer readable media of claim 14 , wherein the value to be transferred to the consumer's payment account includes cash value.

19. The non-transitory computer readable media of claim 18 , wherein the transaction request to transfer at least part of the value to the payment account is communicated to an issuer associated with the consumer's payment account; and
further comprising instructions that, when executed by at least one processor, cause the at least one processor to receive the transfer authorization from the issuer in response to the transaction request.

Assignees

• Mastercard International Inc

Inventors

• Gupta Akshat
• Bodman Ryan
• Pareja Ricardo
• Parento Stephen

Classifications

• G06Q20/3672

  initialising or reloading thereof · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/28 Primary

  Pre-payment schemes, e.g. "pay before" · CPC title