Systems and methods for dynamic authorization of virtual bank account transactions

This invention describes a system that helps manage payments using temporary, single-use bank account numbers, called Virtual Bank Account Numbers (VBANs). When a user wants to pay a specific company, the system generates a VBAN linked to their real bank account but with specific spending rules. When a transaction request comes in for that VBAN, the system checks if the transaction follows those rules before allowing the payment to go through and debiting the user's real account. The claims specifically describe the process from the perspective of the system receiving the payment request.