Multi-purpose virtual card transaction apparatuses, methods and systems

Abstract

The MULTI-PURPOSE VIRTUAL CARD TRANSACTION APPARATUSES, METHODS AND SYSTEMS (“WIP”) transform wallet in proxy card generation requests and purchase inputs via WIP components into wallet in proxy card generation notifications and wallet in proxy card-based transaction purchase notifications. In one implementation, the WIP server may receive a transaction authentication request associated with a proxy payment identifier, and then determine that the proxy payment identifier is associated with an electronic wallet. The WIP sever may further obtain a payment identifier associated with the electronic wallet, and authenticate the transaction using the obtained payment identifier associated with the electronic wallet.

What is claimed is: 
     
         1 . A processor-implemented proxy wallet transaction authentication method, comprising:
 receiving a transaction authentication request associated with a proxy payment identifier;   determining that the proxy payment identifier is associated with an electronic wallet;   obtaining proxy payment preferences stored with the electronic wallet;   determining a payment identifier associated with the electronic wallet based on the proxy payment preferences; and   authenticating the transaction using the obtained payment identifier associated with the electronic wallet.   
     
     
         2 . The method of  claim 1 , wherein the proxy payment identifier is a permanent account number. 
     
     
         3 . The method of  claim 1 , wherein the proxy payment preferences include a period of time that usage of an account is limited. 
     
     
         4 . The method of  claim 1 , wherein the proxy payment preferences include a maximum transaction amount for an account. 
     
     
         5 . The method of  claim 1 , wherein the proxy payment preferences include restricted usage to purchase a product category. 
     
     
         6 . The method of  claim 1 , wherein the proxy payment preferences include a blacklist of merchants that usage of the cards is limited. 
     
     
         7 . The method of  claim 1 , wherein proxy payment preferences include a maximum purchase frequency. 
     
     
         8 . The method of  claim 1 , wherein the proxy payment preferences are automatically configured by associating consumption pattern with a calendar event. 
     
     
         9 . A proxy wallet transaction authentication system, comprising:
 means for receiving a transaction authentication request associated with a proxy payment identifier;   means for determining that the proxy payment identifier is associated with an electronic wallet;   means for obtaining proxy payment preferences stored with the electronic wallet;   means for determining a payment identifier associated with the electronic wallet based on the proxy payment preferences; and   means for authenticating the transaction using the obtained payment identifier associated with the electronic wallet.   
     
     
         10 . The system of  claim 9 , wherein the proxy payment identifier is a permanent account number. 
     
     
         11 . The system of  claim 9 , wherein the proxy payment preferences include a period of time that usage of an account is limited. 
     
     
         12 . The system of  claim 9 , wherein the proxy payment preferences include a maximum transaction amount for an account. 
     
     
         13 . The system of  claim 9 , wherein the proxy payment preferences include restricted usage to purchase a product category. 
     
     
         14 . The system of  claim 9 , wherein the proxy payment preferences include a blacklist of merchants that usage of the cards is limited. 
     
     
         15 . The system of  claim 9 , wherein proxy payment preferences include a maximum purchase frequency. 
     
     
         16 . The system of  claim 9 , wherein the proxy payment preferences are automatically configured by associating consumption pattern with a calendar event. 
     
     
         17 . A proxy wallet transaction authentication processor-readable non-transitory medium embodiment storing processor-executable instructions to:
 receive a transaction authentication request associated with a proxy payment identifier;   determine that the proxy payment identifier is associated with an electronic wallet;   obtain proxy payment preferences stored with the electronic wallet;   determine a payment identifier associated with the electronic wallet based on the proxy payment preferences; and   authenticate the transaction using the obtained payment identifier associated with the electronic wallet.   
     
     
         18 . The medium of  claim 17 , wherein the proxy payment identifier is a permanent account number. 
     
     
         19 . The medium of  claim 17 , wherein the proxy payment preferences include a period of time that usage of an account is limited. 
     
     
         20 . The medium of  claim 17 , wherein the proxy payment preferences include a maximum transaction amount for an account. 
     
     
         21 . The medium of  claim 17 , wherein the proxy payment preferences include restricted usage to purchase a product category. 
     
     
         22 . The medium of  claim 17 , wherein the proxy payment preferences include a blacklist of merchants that usage of the cards is limited. 
     
     
         23 . The medium of  claim 17 , wherein proxy payment preferences include a maximum purchase frequency. 
     
     
         24 . A proxy wallet transaction authentication apparatus, comprising:
 a processor; and   a memory disposed in communication with the processor and storing processor-executable instructions to:
 receive a transaction authentication request associated with a proxy payment identifier; 
 determine that the proxy payment identifier is associated with an electronic wallet; 
 obtain proxy payment preferences stored with the electronic wallet; 
 determine a payment identifier associated with the electronic wallet based on the proxy payment preferences; and 
 authenticate the transaction using the obtained payment identifier associated with the electronic wallet.