Mobile Value Transfer System
First Claim
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1. A method of transferring value in a stored value card, comprising:
- accessing a first user account associated with a mobile telephone user, wherein the first user account maintains a financial value;
providing a stored value card identification number to the first user account; and
transferring a value from the first user account to a second account associated with the stored value identification number.
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Abstract
The present invention provides for a financial value transfer system wherein financial value can be transferred between an account associated with a mobile telephone user and a stored value card. The transfer is facilitated using an interface on a mobile telecommunications device, thereby providing greater flexibility with the use of stored value cards
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Citations
24 Claims
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1. A method of transferring value in a stored value card, comprising:
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accessing a first user account associated with a mobile telephone user, wherein the first user account maintains a financial value; providing a stored value card identification number to the first user account; and transferring a value from the first user account to a second account associated with the stored value identification number. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method of transferring value over a mobile telecommunications network, comprising:
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accessing a first user account associated with a mobile telephone user, wherein the first user account maintains a financial value; identifying a second account, wherein the second account maintains a financial value; transferring financial value from the first user account to the second account using an interface on a mobile telecommunications device, wherein the second user account is configured to transfer value to or from a stored value card. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17)
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18. A method of activating a stored value card comprising:
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accessing a first user account associated with a mobile telephone user; providing a stored value card identification number using an interface on a mobile telecommunications device; activating the stored value card with the stored value card issuer; recording activation of the stored value card in the first user account; and confirming activation of the stored value card via an interface on a mobile telecommunications device.
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19. A method of transferring financial value associated with a stored value card, comprising:
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obtaining a stored value card having a stored value card identification number; accessing a first user account associated with a mobile telephone user; providing the stored value card identification number via an interface on a mobile telecommunications device; entering a financial value transfer amount using an interface on a mobile telecommunications device; transferring the entered financial value amount from the first user account to a second account associated with the stored value card identification number; and confirming the transfer of financial value using an interface on a mobile telecommunications device. - View Dependent Claims (20)
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21. A system for transferring value associated with a stored value card comprising:
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a first server operative to maintain a stored value card account associated with a stored value card identification number; a second server in communication over a network with the first server and operative to maintain a mobile value transfer account associated with a mobile telephone number; a mobile telecommunications device having an interface for communicating with the second server wherein the mobile telecommunications device communicates over a mobile telecommunications network; and a mobile value transfer application configured to receive a stored value card identification number from the mobile telecommunications device and transfer financial value between the second server and the first server. - View Dependent Claims (22)
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23. A method of transferring value in a stored value card, comprising:
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accessing a first user account associated with a mobile telephone user, wherein the first user account maintains a financial value; providing a stored value card identification number to the first user account; transferring a value from the first user account to a second account associated with the stored value identification number; and depositing a reward value to the first account.
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24. A method of transferring value in a stored value card, comprising:
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accessing a first user account associated with a mobile telephone user, wherein the first user account maintains a financial value; providing a stored value card identification number to the first user account; transferring a value from the first user account to a second account associated with the stored value identification number; and inserting content to a mobile device associated with the first mobile telephone user.
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Specification