Patent ID: 7912784

Claim:
A method for processing stored value card transactions, the stored value cards associated with an account holder database, said method comprising: receiving, from a point of sale system, a transaction message requesting an authorization or denial for an individual transaction associated with the account holder database; accessing data associated with a particular account within the account holder database based on an account identifier within the transaction message; determining if a monetary account balance in the particular account dictates approval or denial of the transaction based upon a transaction type and a transaction amount within the transaction message; calculating a remaining monetary account balance in the particular account based upon approval or denial of the transaction; creating an authorization response message based on the approval or denial determination, for transmission to the point of sale system, the authorization response message including at least a unique alpha numeric string representing the remaining monetary account balance for the particular account, the unique alphanumeric string within an authorization identification response field of the authorization response message, the content of the alpha numeric string based on data within a separate ISO-8583 data field, and a response code indicative of the approval or denial of the transaction; and transmitting the authorization response message to the point of sale system to cause at least one of a display of the unique alpha numeric string at the point of sale system and a printing of the unique alphanumeric string on a receipt generated by the point of sale system as the point of sale system is currently configured.