Virtual wallet card selection apparatuses, methods and systems

A non-transitory computer-readable medium storing processor-executable virtual wallet card selection instructions, said virtual wallet selection instructions executable by a processor to:

• obtain, via a network communication device operatively connected to a payment network server, a user authentication request for a purchase transaction;
• extract, via a computing processor operatively connected to the payment network server, a universal card account number based on parsing the user authentication request;
• determine, based on querying a database memory operatively connected to the payment network server, using the universal card account number, that the user is authorized to access a virtual wallet;
• maintain, based on querying a database memory using the universal card account number, privacy of user payment data away from a merchant involved in the purchase transaction by utilizing a secure network communication with a user mobile device to provide payment data to the payment network server to process the purchase transaction;
• identify, via the computing processor of the payment network server, a plurality of card selection options to provide securely to the user mobile device of the user via the network communication device, while maintaining the privacy of the user payment data from the merchant involved in the purchase transaction;
• provide via the network communication device, upon determining that the user is authorized to access the virtual wallet, a secure user virtual wallet card selection request including a list of user payment cards for selection to the user mobile device via an encrypted, bandwidth and network latency reducing, out-of-band network communication, via an electronic payment communication network;
• obtain, via the network communication device at a payment network server, user selection of a virtual wallet card account from the plurality of securely provided card selection options, from the user mobile device via the network communication device;
• and
• provide, via the network communication device, an encrypted purchase transaction request message for transaction processing, using the user selection of the virtual wallet card account.

A virtual wallet card selection processor-implemented method, comprising:

• obtaining, via a network communication device operatively connected to a payment network server, a user authentication request for a purchase transaction;
• extracting, via a computing processor operatively connected to the payment network server, a universal card account number based on parsing the user authentication request;
• determining, based on querying a database memory operatively connected to the payment network server, using the universal card account number, that the user is authorized to access a virtual wallet;
• maintaining, based on querying a database memory using the universal card account number, privacy of user payment data away from a merchant involved in the purchase transaction by utilizing a secure network communication with a user mobile device to provide payment data to the payment network server to process the purchase transaction;
• identifying, via the computing processor of the payment network server, a plurality of card selection options to provide securely to the user mobile device of the user via the network communication device, while maintaining the privacy of the user payment data from the merchant involved in the purchase transaction;
• providing via the network communication device, upon determining that the user is authorized to access the virtual wallet, a secure user virtual wallet card selection request including a list of user payment cards for selection to the user mobile device via an encrypted, bandwidth and network latency reducing, out-of-band network communication, via an electronic payment communication network;
• obtaining, via the network communication device at a payment network server, user selection of a virtual wallet card account from the plurality of securely provided card selection options, from the user mobile device via the network communication device;
• and
• providing, via the network communication device, an encrypted purchase transaction request message for transaction processing, using the user selection of the virtual wallet card account.