Abstract: A stored-value card system includes a POS terminal, a communications device, and a stored-value card agent. The stored-value card agent is configured to receive, from the communications device, a message that identifies a payment amount; transmit, to a stored-value card network, a request message that includes the payment amount; receive a confirmation of the stored-value card network associating the payment amount with a stored-value card account that is maintained by the stored-value card network; and transmit a token to the communications device. The POS terminal is configured to transmit to the stored-value card network a completion message that includes the token and excludes the payment amount, and receive from the stored-value card network an authorization code that confirms authorization of a funds transfer in the payment amount.

Abstract: A stored-value card system includes a POS terminal, a communications device, and a stored-value card agent. The stored-value card agent is configured to receive, from the communications device, a message that identifies a payment amount; transmit, to a stored-value card network, a request message that includes the payment amount; receive a confirmation of the stored-value card network associating the payment amount with a stored-value card account that is maintained by the stored-value card network; and transmit a token to the communications device. The POS terminal is configured to transmit to the stored-value card network a completion message that includes the token and excludes the payment amount, and receive from the stored-value card network an authorization code that confirms authorization of a funds transfer in the payment amount.

Abstract: A stored-value card agent includes a database and a card processor. The card processor is configured to receive from a wallet client a deposit request identifying a deposit amount, effect an electronic funds transfer of the deposit amount to a first account maintained by a computer server, and in the database configure a ledger with the deposit amount. The ledger is uniquely associated with the wallet client in the database. The card processor is configured to receive from the wallet client a withdrawal request identifying a withdrawal amount, confirm that the current balance value in the ledger is at least equal to the withdrawal amount, reduce the current balance value by the withdrawal amount, and initiate an electronic funds transfer of the withdrawal amount from the first account to a second account associated with the wallet client by transmitting to the computer server a transfer request identifying the withdrawal amount.

Abstract: A stored-value card agent includes a database and a card processor. The card processor is configured to receive from a wallet client a deposit request identifying a deposit amount, effect an electronic funds transfer of the deposit amount to a first account maintained by a computer server, and in the database configure a ledger with the deposit amount. The ledger is uniquely associated with the wallet client in the database. The card processor is configured to receive from the wallet client a withdrawal request identifying a withdrawal amount, confirm that the current balance value in the ledger is at least equal to the withdrawal amount, reduce the current balance value by the withdrawal amount, and initiate an electronic funds transfer of the withdrawal amount from the first account to a second account associated with the wallet client by transmitting to the computer server a transfer request identifying the withdrawal amount.

Abstract: A stored-value card transfer agent includes a database and a card processor. The card processor receives from a wallet client a request identifying a transfer amount, confirms from the database that a balance value in a ledger associated with the client at least equals the transfer amount, reduces the balance value by the transfer amount, adds an additional ledger to the database, updates the balance value thereof to equal the transfer amount, and uniquely associates the additional ledger with a transferee. The card processor also receives a request identifying a withdrawal amount, confirms that a balance value in the additional ledger at least equals the withdrawal amount, reduces by the withdrawal amount the balance value in the additional ledger, and initiates a funds transfer of the withdrawal amount from a first account maintained by a computer server to a second account associated with the transferee.