OPEN NETWORK VIRTUAL PREPAID INSTRUMENT CREATION

摘要

Some embodiments may include various aspects of a virtual prepaid instrument. Some embodiments may include methods and systems for enrolling a merchant with a virtual prepaid instrument. Some embodiments may include methods and systems for authorizing a virtual prepaid instrument transaction. Some embodiments may include methods and systems for associating a user with a virtual prepaid instrument. In some embodiments, a single user and/or multiple merchants may be associated with a personal account number for a virtual prepaid instrument.

主权项

1. A method comprising:
receiving merchant information comprising a graphic, a merchant name, and merchant transaction data; creating a visual representation of a virtual prepaid instrument that includes at least a portion of the graphic and the merchant name; providing the visual representation of the virtual prepaid instrument to users in a virtual prepaid instrument marketplace that includes a plurality of visual representations of virtual prepaid instruments; receiving a request to purchase the virtual prepaid instrument from a first user for a second user, the purchase request comprising a received value; determining a primary account number associated with the second user; associating the virtual prepaid instrument, the primary account number, and the received value; and sending a visual representation of the virtual prepaid instrument to the second user with a requested value.