Methods and systems for prepaid mobile payment staging accounts

A non-transitory computer readable medium storing prepaid mobile payment staging account provisioning instructions configured to cause a processor to:

• receive a request from a provisioning service computer to provision a prepaid mobile payment staging account in a prepaid financial institution for a cardholder's mobile device, wherein the request includes a funding account primary account number (PAN) of the cardholder's financial account held by a primary issuer and a mobile device identifier;
• determine, based on the funding account PAN, that a user interface agreement exists comprising user interface and digital wallet definitions;
• generate a mobile staging account PAN associated with the prepaid financial institution and associating the mobile staging account PAN with the funding account PAN of the primary issuer;
• transmit a personalization request to personalize a mobile staging account payment application for the cardholder's mobile device to the provisioning service computer, wherein the personalization request includes the user interface and digital wallet definitions, the mobile staging account PAN, the mobile device identifier, and account description data;
• receive a status confirmation message from the provisioning service computer indicating that the mobile staging account payment application has been personalized and loaded onto the cardholder's mobile device;
• and
• transmit a mobile account initialization message to the primary issuer of the cardholder's financial account that includes the mobile staging account PAN confirming provisioning of the prepaid mobile payment staging account to the cardholder's mobile device.

A staging account provider apparatus, comprising:

• a communications device;
• a staging account provider processor operably connected to the communications device;
• and
• a storage device operably connected to the staging account provider processor, wherein the storage device stores instructions configured to cause the staging account provider processor to:
• receive a request from a provisioning service computer to provision a prepaid mobile payment staging account in a prepaid financial institution for a cardholder's mobile device, wherein the request includes a funding account primary account number (PAN) of the cardholder's financial account held by a primary issuer and a mobile device identifier;
• determine, based on the funding account PAN, that a user interface agreement exists comprising user interface and digital wallet definitions;
• generate a mobile staging account PAN associated with the prepaid financial institution and associating the mobile staging account PAN with the funding account PAN of the primary issuer;
• transmit a personalization request to personalize a mobile staging account payment application for the cardholder's mobile device to the provisioning service computer, wherein the personalization request includes the user interface and digital wallet definitions, the mobile staging account PAN, the mobile device identifier, and account description data;
• receive a status confirmation message from the provisioning service computer indicating that the mobile staging account payment application has been personalized and loaded onto the cardholder's mobile device;
• and
• transmit a mobile account initialization message that includes the mobile staging account PAN to the primary issuer of the cardholder's financial account confirming provisioning of the prepaid mobile payment staging account to the cardholder's mobile device.

A system comprising:

• a primary issuer computer;
• a staging account provider computer operably connected to the primary issuer computer;
• a prepaid issuer computer operably connected to the staging account provider computer;
• a user interface provider computer operably connected to the staging account provider computer;
• and
• a provisioning service computer operably connected to the staging account provider computer;
• wherein the staging account provider computer comprises a communications device, a processor operably coupled to the communications device, and a storage device operably connected to the processor, wherein the storage device stores instructions configured to cause the processor to:
• receive a request to provision a prepaid mobile payment staging account in a prepaid financial institution for a cardholder's mobile device, wherein the request includes a funding account primary account number (PAN) of the cardholder's financial account held by a primary issuer and a mobile device identifier;
• determine, based on the funding account PAN, that a user interface agreement exists comprising user interface and digital wallet definitions;
• generate a mobile staging account PAN associated with the prepaid financial institution and associate the mobile staging account PAN with the funding account PAN of the primary issuer;
• transmit a personalization request to the provisioning service computer to personalize a mobile staging account payment application for the cardholder's mobile device, wherein the personalization request includes the user interface and digital wallet definitions, the mobile staging account PAN, the mobile device identifier, and account description data;
• receive a status confirmation message from the provisioning service computer indicating that the mobile staging account payment application has been personalized and loaded onto the cardholder's mobile device;
• and
• transmit a mobile account initialization message that includes the mobile staging account PAN to the primary issuer of the cardholder's financial account confirming provisioning of the prepaid mobile payment staging account to the cardholder's mobile device.