Patent ID: 8781962

Claim:
An apparatus for enabling a consumer to load funds to a consumer payment device, comprising: an electronic processor programmed to execute a set of instructions; a data storage device coupled to the processor; and the set of instructions contained in the data storage device, wherein when the set of instructions are executed by the processor, the apparatus enables the consumer to load funds to the consumer payment device by: preventing the consumer payment device from being reloaded by an entity other than an original funding source; receiving a request for the consumer to be able to provide funds to the consumer payment device from an alternate source of funding from the original funding source; accessing consumer profile data and account data for the consumer payment device in response to receiving the request; verifying that the consumer payment device is eligible for funding from the alternate source of funding; determining if there is an open fraud case associated with the consumer or with the consumer payment device after verifying that the consumer payment device is eligible for funding from the alternate source of funding; denying the consumer's request if there is an open fraud case associated with the consumer or with the consumer payment device; performing one or more fraud or security checks using the consumer profile data and account data if there is not an open fraud case associated with the consumer or with the consumer payment device; and enabling a loading of funds to the consumer payment device.