Patent ID: 8645272

Claim:
A gateway system for loading funds to a stored value account provider from a bill payment system associated with a user, the gateway system comprising: a processor; and a non-transitory storage medium having instructions thereon, the instructions executable by the processor for: receiving a load request, wherein the load request includes load request information, wherein the load request information includes a stored value account including an identifier associated with a stored value account and an amount of funds to load to the stored value account; sending a bill to a bill payment system of which a user is a subscriber, wherein the bill includes the amount of funds to load and an indication of the stored value account identifier; receiving a payment notification from the bill payment system that indicates that payment has been made; causing a first payment to be made from a first account associated with the gateway system to a second account associated with the stored value account provider; wherein the identifier associated with the stored value account comprises an account number of the second account; and wherein causing a first payment to be made from a first account associated with the gateway system to a second account associated with the stored value account provider occurs in response, at least in part, to receiving a second payment from a third account associated with the user to the first account associated with the gateway system.