System and Method For Loading A Virtual Token Managed By A Mobile Wallet System

A computer system for loading a virtual card of a mobile wallet system, the computer system comprising:

• a processor operable for:
• receiving a payment account number from a token;
• transmitting one of a payment account number and token over a communications network;
• generating a first authorization code in response to receiving the payment account number or token;
• transmitting the first authorization code over the communications network;
• relaying the first authorization code to a portable computing device;
• receiving a second authorization code from the communications network;
• determining if the first and second authorization codes match;
• and
• if the first and second authorization codes match, then loading the payment account number into the mobile wallet system.

A computer system for loading a virtual card of a mobile wallet system, the computer system comprising:

• means for receiving a payment account number from a token;
• means for transmitting one of a payment account number and token over a communications network;
• means for generating a first authorization code in response to receiving the payment account number or token;
• means for transmitting the first authorization code over the communications network;
• means for relaying the first authorization code to a portable computing device;
• means for receiving a second authorization code from the communications network;
• means for determining if the first and second authorization codes match;
• and
• means for loading the payment account number into the mobile wallet system if the first and second authorization codes match.

A computer program product comprising a computer usable medium having a computer readable program code embodied therein, said computer readable program code adapted to be executed to implement a method for a virtual card of a mobile wallet system, said method comprising:

• receiving a payment account number from a token;
• transmitting one of a payment account number and token over a communications network;
• generating a first authorization code in response to receiving the payment account number or token;
• transmitting the first authorization code over the communications network;
• relaying the first authorization code to a portable computing device;
• receiving a second authorization code from the communications network;
• determining if the first and second authorization codes match;
• and
• if the first and second authorization codes match, then loading the payment account number into the mobile wallet system.