| 摘要 |
A method for transferring funds includes: 1) receiving, from a first user, a request to transfer a stored value to a second user; 2) identifying, based on a first user token and from a user database, a first entry containing information of a payment account of the first user; 3) causing a payment server to transfer funds corresponding to the stored value from the payment account of the first user to a stored-value account that is associated with a stored-value token; 4) associating the stored-value token with a second entry identifying a second user, 5) receiving a payment request initiated by the second user; 6) identifying the second entry based on a second user token included in the payment request; 7) updating funds in the stored-value account based on the payment request; and 8) transmitting at least a portion of the stored value to a merchant based on the update. |
| 主权项 |
1. A method for transferring funds, comprising:
receiving, from a first user, a request to create a stored value and to transfer the stored value to a second user; identifying, from an electronic user database and using a first user token associated with the first user, a first electronically stored entry associated with the first user, wherein the first electronically stored entry comprises electronically stored information relating to a payment account of the first user; electronically transmitting, via a network, a request to a payment server to transfer an amount of funds from the payment account of the first user to a stored-value account, the amount of the transferred funds corresponding to an amount of the stored value; computationally generating a unique stored-value token and a stored-value token record for the stored-value account; associating the stored-value token record and the stored-value token with the amount of the transferred funds; associating the stored-value token with a second electronically stored entry in the user database, wherein the second electronically stored entry comprises a second user token identifying the second user; receiving, from a merchant point-of-sale (POS) terminal, a request for payment initiated by the second user, wherein the request for payment comprises the second user token; identifying, from the user database and using the second user token, the second entry; updating the amount of funds associated with the stored-value token based on an amount of funds associated with the request for payment; and transmitting, from the stored-value account and based on the updating, at least a portion of the stored value to the merchant. |
