Systems and methods for transferring value to payment accounts

US9558483B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Akshat Gupta · Vernon, US
• Ryan Bodman · Brooklyn, US
• Ricardo Pareja · Gravatá, BR
• Stephen Parento · White Plains, US

Key dates

• Filing date: Jan 13, 2015
• Grant date: Jan 31, 2017
• Expiry date: Jan 13, 2035

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/3672
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.