| 摘要 |
Systems and methods are disclosed for allocating funds from a primary account to one or more configurable payment cards for use in a payment transaction. An electronic transaction system includes an account database storing account and configurable card data for a user. A budget module enables the user to allocate funds to various virtual accounts and assign configurable cards to each virtual account, and configure resource limitations and use restrictions on each virtual account and configurable card. A user device provides an interface for managing the account, budget and configurable card information and receives a real-time account, budget and configurable card information. The configurable cards may be used to make payments through a merchant's point-of-sale system which interfaces with the electronic transaction system to authenticate the card transaction. |
