Systems and methods for prepaid payment cards and digital wallet

A system comprising:

• a cardholder mobile device comprising:
• a transceiver;
• a photographic element;
• a memory device for storing a gift bag wallet application and a digital wallet thereon;
• a display for presenting a user interface to a cardholder;
• and
• a first processor coupled in communication to said transceiver, said photographic element, said memory device, and said display, said first processor programmed to execute the gift bag wallet application, the gift bag wallet application having a user interface;
• and
• a computing system comprising:
• a communication interface for receiving, from said cardholder mobile device, a transfer request to transfer a balance of a prepaid payment card to a cardholder account associated with the digital wallet;
• and
• a second processor programmed to:
• determine, from the transfer request, a prepaid payment card issuer and a payment network associated with the prepaid payment card;
• package prepaid payment card information and transaction details received in the transfer request into an authorization request message;
• transmit, via the payment network using the communication interface, the authorization request message to the prepaid payment card issuer via the payment network;
• and
• transfer, via the payment network using the communication interface, the balance of the prepaid payment card from the prepaid payment card issuer to the cardholder account associated with the digital wallet.

A method comprising:

• receiving, from a gift bag wallet application operating on a cardholder mobile device, a transfer request to transfer a balance of a prepaid payment card from a prepaid payment card issuer of the prepaid payment card to a cardholder account associated with a cardholder digital wallet;
• determining, by a computing system from the transfer request, the prepaid payment card issuer and a payment network associated with the prepaid payment card;
• transmitting, by the computing system to the prepaid payment card issuer via the payment network, a balance request message for a balance of the prepaid payment card;
• receiving, by the computing system from the prepaid payment card issuer, a balance request response message identifying the balance of the prepaid payment card;
• and
• transferring the balance of the prepaid payment card from the prepaid payment card issuer to the cardholder account associated with the cardholder digital wallet via the payment network based on cardholder information of the cardholder account included in the transfer request.