Patent ID: 7325725

Claim:
A method for loading a stored value card from funds available in an account associated with another stored value card, the stored value card being a financial instrument that is associated with an fixed dollar amount upon the issuance of the card, the fixed dollar amount being funded at the time of issuance of the card in a financial transaction rather than being tied to any financial account of the card holder, the method comprising: collecting funds from a first customer; associating the collected funds with a first stored value card by creating a first stored value account that is independent of the first customer but that is associated with the stored value card and establishing a fixed dollar amount in the account; prompting the first customer to swipe the first stored value card through a card reader, wherein the first stored value card is associated with the first stored value account; identifying the first stored value card account; after prompting the first customer to swipe the first stored value card, prompting the first customer to select a second stored value card account for receiving a specified load amount, wherein the second stored value card account is associated with a second stored value card independent of any financial accounts of the first customer; receiving the selection of the second stored value account; prompting the first customer to input the specified load amount; receiving the input of the load amount; and making the load amount from the first stored value card account available to the second stored value card account.