Methods and systems for coordinating a change in status of stored-value cards

A computer-readable storage medium having a computer-readable program embodied therein for directing operation of a host system including a communications system and a processor, wherein the computer-readable program includes instructions for operating the host system to coordinate a change in status of a stored-value card in accordance with the following:

• receiving transaction information with the communications system from a point-of-sale terminal, the transaction information including stored-value-card information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card;
• receiving with the communications system a payment authorization from a payment authority in response to a transmission of the payment-instrument information to the payment authority;
• receiving with the communications system a confirmation of the change in status of the stored value card from a stored-value-card authority in response to a transmission of the stored-value-card information to the stored-value-card authority;
• and
• transmitting an approval for effecting the change in status of the stored-value card with the communications system to the point-of-sale terminal.

A method for coordinating a change in status of a stored-value card for a customer, the method comprising:

• receiving transaction information with a point-of-sale terminal, the transaction information including stored-value-card information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card;
• transmitting the transaction information with the point-of-sale terminal to a host system;
• and
• receiving an approval for effecting the change in status of the stored-value card from the host system with the point-of-sale terminal, the approval comprising a payment authorization for use of the payment instrument generated by a payment authority and a confirmation of the change in status of the stored value card generated by a stored-value-card authority.

A point-of-sale terminal comprising:

• an input device;
• a communications system;
• a processor in communication with the input device and the communications system;
• and
• a memory coupled with the processor, the memory comprising a computer-readable storage medium having a computer-readable program embodied therein for directing operation of the point-of-sale terminal, the computer-readable program including:
• instructions for receiving transaction information with the input device, the transaction information including stored-value-card information identifying a stored-value card and payment-instrument information to be used for financing the change in status of the stored-value card;
• instructions for transmitting the transaction information with the communications system to a host system;
• and
• instructions for receiving approval for effecting the change in status of the stored-value card from the host system with the communications system, the approval comprising a payment authorization for use of the payment instrument generated by a payment authority and a confirmation of a change in status of the stored-value card generated by a stored-value-card authority.