Systems and methods for transferring value to payment accounts

摘要

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.

主权项

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.