Systems and methods for managing and using a virtual card

A method for management of at least one virtual card, the method comprising:

• modifying a value of at least a first virtual card included in a virtual card engine based on user input, the virtual card engine executed on a mobile computing device;
• sending a request to a corresponding card service provider to modify value data included in a provider-side associative card profile;
• and
• presenting the first virtual card on a display included in the mobile computing device;
• wherein modifying the value of at least the first virtual card includes at least one of dividing the value of the first virtual card and combining the first virtual card with a second virtual card.

A mobile computing device comprising:

• a display;
• memory executable via one or more processors;
• a virtual card engine stored on the memory including;
• a value modification module configured to modify value data corresponding to at least a first virtual card based on user input, send a request to an associated card service provider to modify value data in a corresponding provider-side associative card profile, and present the first virtual card on the display to initiate a virtual card transaction between the virtual card engine and the associated card service provider;
• and
• a notifications module configured to receive and present one or more promotional notifications on the display, the one or more promotional notifications corresponding to the first virtual card and an associated card service provider configured to process a virtual card transaction with the first virtual card;
• wherein the request is sent through a virtual card manager to the associated card service provider, the virtual card manager configured establish and authorize communication between the virtual card engine and the associated card service provider.