Patent ID: 8566240

Claim:
A computerized method of providing payment into a pre-existing customer account with a provider of goods or services, the method facilitated between a customer, a provider of goods or services, and a central processor, the method comprising: receiving at the central processor from the customer: value; identifying information of the customer; and information sufficient to identify the provider and the pre-existing customer account; accessing by the central processor a payment platform of the provider; determining by the central processor information required by the payment platform of the provider in order to provide payment into the pre-existing customer account utilizing the payment platform of the provider; communicating from the central processor to the payment platform of the provider information required by the payment platform of provider in order to provide payment into the pre-existing customer account; determining by the central processor if the provider accepts payment via the payment website in the form of value received from the customer; upon a determination that the provider does not accept payment via the payment website in the form of value received from the customer, creating, by the central processor, a virtual prepaid debit card number funded with an amount equal to the value to be provided to the payment platform of the provider; providing the virtual prepaid debit card number by the central processor to the payment platform of the provider for conveyance of the associated value into the pre-existing customer account.