Systems, apparatus and methods for mobile companion prepaid card

摘要

Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider computer receiving an approval request from an agent device for a mobile companion prepaid card for a consumer. The process includes the wallet provider computer determining an issuer financial institution (FI) associated with the mobile companion prepaid card, transmitting the approval request to an issuer FI processor, receiving an approval message, and transmitting the approval message and a request to a consumer's mobile device to provide cardholder verification met hod (CVM) data. The method also includes receiving and validating the CVM data, transmitting a mobile companion prepaid card activation request, receiving a confirmation message indicating activation, and transmitting a message confirming activation of the mobile companion prepaid card to the consumer's mobile device.

主权项

1. A method comprising:
receiving, by a wallet provider computer from an agent device, an approval request for a mobile companion prepaid card for a consumer having a mobile wallet account; determining, by the wallet provider computer, an issuer financial institution (FI) associated with the mobile companion prepaid card; transmitting the approval request to an issuer FI processor associated with the issuer FI; receiving, by the wallet provider computer from the issuer FI processor, an approval message; transmitting, by the wallet provider to a mobile device of the consumer, the approval message and a request to provide cardholder verification method (CVM) data; receiving the CVM data from the consumer's mobile device; validating the CVM data; transmitting, by the wallet provider computer to the issuer FI processor, a mobile companion prepaid card activation request; receiving, by the wallet provider computer from the issuer FI processor, a confirmation message indicating activation of the mobile companion prepaid card; and transmitting, by the wallet provider computer to the consumer's mobile device, a message confirming activation of the mobile companion prepaid card.