Systems, methods, and computer products for processing payments using a proxy card

摘要: Systems, methods and computer program products for processing payments a proxy card are provided. Embodiments of the system include processor, memory in communication with processor. The may be configured to store instructions directing processor receive request authorization payment. In various embodiments, is triggered at merchant server, by use customer. attempts identify least one desired payment mode making payment, from among mode(s) associated card. first selects modes based part on or more selection criteria, such as predefined customer goals, then performs an check modes. Subsequently, authorizes if identified.