Methods and systems for processing, accounting, and administration of stored value cards

An accounting system for regional malls, operators of malls and developers comprising:

• a database and file system which includes at least one of anonymous and known consumer account data;
• a plurality of retail merchant and mall office workstations networked over LANs and secure WANs, said workstations running client applications;
• a secure Internet banking gateway that receives inquiries from at least one of consumers utilizing at least one of the Internet, a telephone system, and point of sale terminals, card dispensing machines, and said retail merchant and mall office workstations, the consumers and workstations requesting account balances and transaction history to be delivered via web services;
• a telephone gateway that receives inquiries from at least one of consumers and said retail merchant and mall office workstations requesting account balances and transaction histories, the inquiries being answered utilizing stored voice recordings;
• an electronic funds transfer (EFT) gateway, said EFT gateway networked into one or more ISO 8583 electronic funds transfer services;
• at least one funds settlement gateway into at least one of the Federal Reserve ACH network and corporate credit union automated settlement network;
• and
• a messaging and switch controller used to simultaneously route stored value card transactions and client initiated transactions from at least one of said gateways.