System and method for providing temporary virtual payment card

A method for generating an account provisioning network, the method comprising:

• storing, by a banking processor, one or more payment information datum in a data storage unit;
• receiving, by the banking processor from a merchant processor, an encrypted user datum;
• determining, by the banking processor whether the encrypted user datum matches with one or more user profiles on file;
• establishing and retaining, over a first communication network, a web session with a user device of a user on file;
• transmitting, by the banking processor upon determining that the encrypted user datum matches at least one user on file, an authentication request to a user on file via a user device;
• receiving, by the banking processor from the user device, an authentication credential;
• verifying, by the banking processor, the authentication credential;
• retrieving, by the banking processor, the payment information datum from the data storage unit;
• generating a website compatible datafile that includes the payment information datum and or a digital link that links to the payment information datum;
• transmitting, by the banking processor to a merchant website, the website compatible datafile or digital link to a merchant website that is accessible by the user device to download the website compatible datafile or digital link to retrieve the payment information datum;
• and
• in response to determining that the user device has left a predetermined geographical area or a predetermined period of time has occurred, sending a message to the merchant website indicating that the payment information datum has expired;
• wherein:
• the website compatible datafile is selected from one of an application file, an application executable file, an applet file, or a near field communication (NFC)-enabled application file;
• or
• the digital link is a uniform resource locator (URL) that, when interacted with by the user device, causes the user device to obtain or receive the payment information datum.

A non-transitory, computer readable medium comprising instructions that, when executed by a banking processor, cause the banking processor to perform actions comprising:

• storing one or more payment information datum in a data storage unit;
• receiving, from a merchant processor, encrypted user datum;
• determining whether the encrypted user datum matches with one or more user profiles on file;
• establishing and retaining, over a first communication network, a web session with a user device of a user on file;
• transmitting, upon determining that the encrypted user datum matches at least one user on file, an authentication request to a user on file via a user device;
• receiving, from the user device, an authentication credential;
• verifying the authentication credential;
• retrieving the payment information datum from the data storage unit;
• generating a website compatible datafile that includes the payment information datum and or a digital link that links to the payment information datum;
• transmitting, to a merchant website, the website compatible datafile or digital link to a merchant website that is accessible by the user device to download the website compatible datafile or digital link to retrieve the payment information datum;
• and
• in response to determining that the user device has left a predetermined geographical area or a predetermined period of time has occurred, sending a message to the merchant website indicating that the payment information datum has expired;
• wherein:
• the website compatible datafile is selected from one of an application file, an application executable file, an applet file, or a near field communication (NFC)-enabled application file;
• or
• the digital link is a uniform resource locator (URL) that, when interacted with by the user device, causes the user device to obtain or receive the payment information datum.