Temporary virtual payment card

One or more computer-readable non-transitory storage media communicatively coupled with one or more processors of a computing device associated with a payment service embodying software that is operable, when executed by the one or more processors, to cause the one or more processors to perform operations comprising:

• assigning, by the payment service, a first payment card number of a first plurality of payment card numbers to an account of a user, wherein the first plurality of payment card numbers is issued from a first issuer processor, and wherein assigning the first payment card number comprises mapping the first payment card number to the account of the user in a database of the payment service;
• receiving, by the payment service and from a merchant computing device, a request to process a transaction involving the first payment card number;
• detecting, by the payment service, that the first issuer processor is unable to process the transaction involving the first payment card number;
• in response to detecting that the first issuer processor is unable to process the transaction, automatically and temporarily disabling, by the payment service and in the database of the payment service, the first payment card number to prevent use of the first payment card number for at least the transaction;
• in response to detecting that the first issuer processor is unable to process the transaction, automatically accessing, by the payment service, a second plurality of payment card numbers issued from a second issuer processor, wherein the second plurality of payment card numbers are unassigned with respect to accounts registered with the payment service;
• in response to detecting that the first issuer processor is unable to process the transaction, automatically assigning, by the payment service, a second payment card number of the second plurality of payment card numbers to the account of the user, wherein assigning the second payment card number comprises mapping the second payment card number to the account of the user in the database of the payment service and enables use of the second payment card number for the transaction instead of the first payment card number;
• processing, by the payment service, the transaction involving the first payment card number using the second payment card number instead of the first payment card number;
• receiving, by the payment service, an indication that the first issuer processor is able to process one or more transactions;
• and
• in response to receiving the indication, automatically re-enabling, by the payment service an in the database of the payment service, the first payment card number for use in the one or more transactions;
• and
• in response to receiving the indication, automatically disabling, by the payment service and in the database of the payment service, the second payment card number to prevent use of the second payment card number in the one or more transactions.

A system associated with a payment service comprising:

• one or more processors;
• and a non-transitory memory in communication with the processors comprising instructions executable by the processors, the processors operable when executing the instructions to perform operations comprising:
• assigning, by the payment service, a first payment card number of a first plurality of payment card numbers to an account of a user, wherein the first plurality of payment card numbers is issued from a first issuer processor, and wherein assigning the first payment card number comprises mapping the first payment card number to the account of the user in a database of the payment service;
• receiving, by the payment service and from a merchant computing device, a request to process a transaction involving the first payment card number;
• detecting, by the payment service, that the first issuer processor is unavailable to process the transaction involving the first payment card number;
• in response to detecting that the first issuer processor is unavailable to process the transaction automatically and temporarily disabling, by the payment service and in the database of the payment service, the first payment card number to prevent use of the first payment card number for at least the transaction;
• in response to detecting that the first issuer processor is unable to process the transaction, automatically accessing, by the payment service, a second plurality of payment card numbers issued from a second issuer processor, wherein the second plurality of payment card numbers are unassigned with respect to accounts registered with the payment service;
• in response to detecting that the first issuer processor is unable to process the transaction, automatically assigning, by the payment service, a second payment card number of the second plurality of payment card numbers to the account of the user, wherein assigning the second payment card number comprises mapping the second payment card number to the account of the user in the database of the payment service and enables use of the second payment card number for the transaction instead of the first payment card number;
• processing, by the payment service, the transaction involving the first payment card number using the second payment card number instead of the first payment card number;
• receiving, by the payment service, an indication that the first issuer processor is able to process one or more transactions;
• in response to receiving the indication, automatically re-enabling, by the payment service and in the database of the payment service, the first payment card number for use in the one or more transactions;
• and
• in response to receiving the indication, automatically disabling, by the payment service and in the database of the payment service, the second payment card number to prevent use of the second payment card number in the one or more transactions.