Secure product provisioning systems and methods for preventing electronic fraud by generation of ephemeral virtual cards for injection from secure proxy accounts into electronic provisioning networks

A secure product provisioning system configured to generate an ephemeral virtual card for injection from a secure proxy account into an electronic provisioning network, the secure product provisioning system comprising:

• a provisioning server comprising one or more processors and one or more memories, the provisioning server communicatively coupled via a computer network to one or more merchant electronic provisioning networks, each of the one or more merchant electronic provisioning networks corresponding to one or more merchants;
• a provisioning application (app) comprising computing instructions configured for implementation on a client device of a user, the provisioning app communicatively coupled via the computer network to the provisioning server, the provisioning app comprising a graphic user interface (GUI) configured to display, on a screen of the client device, one or more products to be provided by the one or more merchants;
• and
• computing instructions configured to execute on the one or more processors of the provisioning server, wherein the computing instructions, when executed by the one or more processors, cause the provisioning server to:
• receive a provisioning request from the provisioning app, the provisioning request indicating a product selected from the one or more products and a merchant selected from the one or more merchants,
• generate the ephemeral virtual card comprising a unique ephemeral code and a payment amount, wherein the payment amount is injected from the secure proxy account accessible only by the provisioning server, and wherein the ephemeral virtual card virtually emulates a physical or electronic card acceptable by the electronic provisioning network of the merchant, and
• submit the ephemeral virtual card to the electronic provisioning network of the merchant, wherein receipt of the ephemeral virtual card causes initiation of a transaction between the user and the merchant for the product, and wherein the ephemeral virtual card is configured to expire or becomes invalid within a period of time.