Multi-purse one card transaction apparatuses, methods and systems

An apparatus comprising:

• means for receiving a payment authorization request message associated with a purchase transaction, wherein the payment authorization request message is in compliance with a transaction processing format;
• means for processing the payment authorization request message to obtain a value from a field that indicates an account type identified by user input and a unique identifier associated with a merchant;
• means for processing the account type to determine which of a restricted-use account and a non-restricted use account has been identified as a source of funds for the payment transaction;
• in response to determining that the restricted-use account has been identified as the source of funds, means for processing the unique identifier to determine that the merchant is an eligible provider of a good or service associated with the restricted-use account;
• in response to determining that the merchant is an eligible provider, means for identifying routing information of an issuer processor associated with the restricted-use account;
• and
• means for routing, using the identified routing information, the payment authorization request message to the identified issuer processor for processing of the payment authorization request message.

A computer readable medium storing instructions that, when executed, cause an apparatus at least to perform:

• receiving a payment authorization request message associated with a purchase transaction, wherein the payment authorization request message is in compliance with a transaction processing format;
• processing the payment authorization request message to obtain a value from a field that indicates an account type identified by user input and a unique identifier associated with a merchant;
• processing the account type to determine which of a restricted-use account and a non-restricted use account has been identified as a source of funds for the payment transaction;
• in response to determining that the restricted-use account has been identified as the source of funds, processing the unique identifier to determine that the merchant is an eligible provider of a good or service associated with the restricted-use account;
• in response to determining that the merchant is an eligible provider, identifying routing information of an issuer processor associated with the restricted-use account;
• and
• routing, using the identified routing information, the payment authorization request message to the identified issuer processor for processing of the payment authorization request message.