Merchant category codes in a proxy card transaction

1. A computer-implemented method to transmit category codes to payment instrument issuers in proxy card transactions, comprising:

receiving, using one or more computing devices and from a merchant computing device associated with a merchant, a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant;

selecting, using the one or more computer devices, a financial account associated with the proxy account to fund the transaction;

communicating, using the one or more computing devices, a second payment request to authorize the transaction to a financial account system associated with the selected financial account;

communicating, using the one or more computing devices, the merchant category code to the financial account system in a separate communication from the second payment request;

receiving, using the one or more computing devices, a first authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and

communicating, using the one or more computing devices, a second authorization for the transaction to the merchant computing device in response to receiving the first authorization for the transaction from the financial account system to fund the transaction using the selected financial account.

2. The computer-implemented method of claim 1 , wherein the one or more computing devices comprises the financial account system.

3. The computer-implemented method of claim 1 , wherein the merchant category code is standardized code.

4. A computer program product, comprising:

a non-transitory computer-readable storage device having computer-readable program instructions embodied thereon that when executed by a computer perform a method to transmit category codes to payment instrument issuers in proxy card transactions, the computer-readable program instructions comprising:

computer-readable program instructions to receive, from a merchant computing device associated with a merchant, a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant;

computer-readable program instructions to select a financial account associated with the proxy account to fund the transaction;

computer-readable program instructions to communicate a second payment request to authorize the transaction to a financial account system associated with the selected financial account;

computer program instructions to communicate the merchant category code to the financial account system in a separate communication from the second payment request;

computer-readable program instructions to receive a first authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and

computer-readable program instructions to communicate a second authorization for the transaction to the merchant computing device in response to receiving the first authorization for the transaction from the financial account system to fund the transaction using the selected financial account.

5. The computer program product of claim 4 , wherein the non-transitory computer-readable storage device comprises the financial account system.

6. The computer program product of claim 4 , wherein the merchant category code is standardized code.

7. A system to transmit category codes to payment instrument issuers in proxy card transactions, comprising:

a storage resource;

a network module; and

a processor communicatively coupled to the storage resource and the network module, wherein the processor executes application code instructions that are stored in the storage resource to cause the system to:

receive from a merchant computing device associated with a merchant, a first payment request to authorize a proxy card transaction, the first payment request identifying a proxy account of a user for payment of the transaction and a merchant category code associated with the merchant;

select a financial account associated with the proxy account to fund the transaction;

communicate a second payment request to authorize the transaction to a financial account system associated with the selected financial account;

communicate the merchant category code to the financial account system in a separate communication from the second payment request;

receive a first authorization for the transaction from the financial account system to fund the transaction using the selected financial account; and

communicate a second authorization for the transaction to the merchant computing device in response to receiving the first authorization for the transaction from the financial account system to fund the transaction using the selected financial account.

8. The system of claim 7 , wherein the system comprises the financial account system.

9. The system of claim 7 , wherein the merchant category code is standardized code.