Patent ID: 11868982
Assignee: PAYPAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 14:
15. A non-transitory computer-readable medium having stored thereon instructions that are executable to cause a computer system to perform operations comprising:
receiving through a network from a user device, a request generated via a user interface of the user device to create a first white label stored value account corresponding to a first merchant;
creating the first white label stored value account, wherein the first white label stored value account corresponds to a first user, and storing information for the first white label stored value account in a database configured to store associations between a plurality of different merchants and respective groups of white label merchant stored value accounts, wherein the creating the first white label stored value account includes associating a first user identifier with the first white label stored value account and associating the first white label stored value account with the first merchant in the database;
receiving information indicating that a second user associated with the first user has provided an authorization response to link the second user to the first white label stored value account; and
based on receiving the information indicating that the second user has provided the authorization response:
associating a second user identifier corresponding to the second user with the first white label stored value account; and
adding funds to the first white label stored value account using a second account associated with the second user, wherein the funds added to the first white label stored value account are accessible by the first user.