Patent ID: 8725639

Claim:
A non-transitory computer-readable storage medium having computer-executable instructions stored thereon that, when executed by a computer, cause the computer to: receive an authorization request from a program manager system operated by a program manager, the authorization request related to a use of a co-managed general-purpose reloadable card for a purchase transaction by a customer, wherein the co-managed general-purpose reloadable card is co-managed by the program manager and a payment services provider; in response to receiving the authorization request related to the use of the co-managed general-purpose reloadable card, determine a current balance associated with an online stored-value account of the customer maintained by the payment services provider; respond to the program manager system with an authorization for the purchase transaction based on the current balance associated with the online stored-value account of the customer; receive a purchase confirmation associated with the purchase transaction; in response to receiving the purchase confirmation, update the current balance associated with the online stored-value account to reflect the purchase transaction; and provide a balance synchronization service configured to keep a balance of funds associated with the co-managed general-purpose reloadable card maintained in the program manager system associated with the co-managed general-purpose reloadable card synchronized with the balance associated with the online stored-value account maintained by the payment services provider.