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1. WO2020206094 - SOURCE INDEPENDENT CONSISTENT TOKENIZATION

Publication Number WO/2020/206094
Publication Date 08.10.2020
International Application No. PCT/US2020/026352
International Filing Date 02.04.2020
IPC
G06Q 20/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
CPC
G06Q 20/3672
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
367involving intelligent token, e.g. electronic purse
3672Intelligent token initializing or reloading
G06Q 20/3674
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
36using electronic wallets or electronic money safes
367involving intelligent token, e.g. electronic purse
3674involving authentication
G06Q 20/388
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
388Mutual authentication without cards
Applicants
  • FIRST DATA CORPORATION [US]/[US]
Inventors
  • ROYYURU, Vijay
  • GOODHEART, Renee
  • BYERS, Lanny
  • HORTON, Timothy
  • WHALEN, Kathryn
  • ZHU, Lixia
Agents
  • BRADFORD, Sara
  • GIBBY, Darin
  • SPINK, Torrey
  • KIRSHY, Wade
  • KILPATRICK TOWNSEND & STOCKTON LLP
Priority Data
16/837,71801.04.2020US
62/828,72903.04.2019US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SOURCE INDEPENDENT CONSISTENT TOKENIZATION
(FR) TOKÉNISATION COHÉRENTE INDÉPENDANTE DE LA SOURCE
Abstract
(EN)
A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.
(FR)
Un service de chiffrement de passerelle est utilisé pour garantir une tokénisation cohérente et indépendante de la source pour des comptes de paiement, ainsi que pour synchroniser les informations du compte de paiement avec les commerçants. Un jeton cohérent et évolutif destiné au commerçant est généré et utilisé pour chaque compte de paiement pour le commerçant, ce qui garantit que le commerçant dispose d'un seul jeton quel que soit le procédé de paiement utilisé par le client (par exemple, carte plastifiée au point de vente, portefeuille de paiement, informations de carte sauvegardées) pour le même compte sous-jacent. De plus, si le numéro du compte de paiement sous-jacent change (par exemple, expiration ou vol de la carte), le jeton destiné au commerçant reste cohérent. Le jeton évolutif garantit que le système fonctionne plus efficacement, ce qui permet d’économiser des ressources en termes de traitement et de stockage et assure un trafic réseau plus faible pour les transactions avortées. Le système assure également le chiffrement et la sécurité malgré la tokénisation cohérente, ce qui permet d’économiser également des ressources.
Latest bibliographic data on file with the International Bureau