Patent ID: 8777101

Claim:
A method of executing a financial transaction, the method comprising: receiving, by a stored value host computer system from a point of sale device, an identifier of a single-load stored-value instrument being purchased; receiving funds from a financial account of a buyer for purchase of the single-load stored-value instrument, the single-load stored-value instrument being associated with a predefined value amount, wherein: the funds are received from the buyer after reading account information from a magnetic stripe of a financial transaction instrument used by the buyer to make the purchase of the single-load stored-value instrument; and the purchase constitutes the single-load of the single-load stored-value instrument and there is no reload possibility; receiving, by the stored value host computer system from the point of sale device, buyer identification information identifying the buyer captured from the magnetic stripe of the financial transaction instrument used by the buyer to make the purchase of the single-load stored-value instrument, wherein: the buyer identification information and the account information were captured from the magnetic stripe of the financial transaction instrument by the point-of-sale device during the purchase of the single-load stored-value instrument; and storing, by the stored value host computer system, the buyer identification information captured from the magnetic stripe of the financial transaction instrument used by the buyer to make the purchase of the single-load stored-value instrument in association with the received identifier of the single-load stored-value instrument received from the point of sale device in a database of the stored value host computer system such that the database is available for use in identifying potential fraud.