[arfrank]

A lot of funny stories about how that piece of consumer software exists in the world today. About 5 different parties involved, some who are 100% competitors (V vs. MC). 16 or so years ago, MC bought a company called Orbiscom that provides what Citi & BoA use for vCards. Its a layer at the network to provide these mappings and so when BoA issues a Visa card, and you request a virtual card, you're making a call out to a MC service to generate them on a Visa BIN.

None of this even addresses or ties who BoA uses as their core processor for CC, which is now TSYS, and typically have little knowledge a vCard was used.

The good thing for what we're doing at Final is that this goes beyond many credit card numbers, its rethinking what is a piece of plastic in hundreds of millions consumers pockets for how we shop and interact w/ merchants in this day and age.