Token enrollment system and method
First Claim
1. A method comprising:
- providing, by a token server computer operated by a token service provider, an interface to a party, wherein the party controls generation of payment tokens for account identifiers associated with accounts issued the party via the interface;
receiving, at the token server computer, a plurality of sets of account identifiers from a computer operated by the party via the interface;
receiving, at the token server computer, a request to generate payment tokens for the plurality of sets of account identifiers such that each generated payment token represents an account identifier among the plurality of sets of account identifiers;
for each account identifier in the plurality of sets of account identifiers;
determining, by the token server computer, whether the account identifier is eligible for tokenization, wherein the determining includes;
searching, by the token server computer, a token database for an entry associated with the account identifier;
if the token database includes the entry associated with the account identifier;
identifying the account identifier as ineligible for tokenization,transmitting a message to the party indicating that the account identifier is ineligible for tokenization, andselecting a next account identifier among the plurality of sets of account identifiers; and
if the token database does not include the entry associated with the account identifier;
identifying the account identifier as eligible for tokenization,generating, by the token server computer, a payment token for the account identifier, wherein the payment token for the account identifier substitutes the account identifier in a payment transaction initiated using the payment token;
creating a new entry in the token database to store the payment token associated with corresponding account identifier; and
selecting the next account identifier among the plurality of sets of account identifiers.
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Accused Products
Abstract
Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing a token service environment that allows a token requesting party (e.g. token requestor) to specify parameters for token generation for controlling and customizing the token generation process. For example, the token requesting party may specify (e.g. select from a list or provide a list of) the accounts for tokenization. The accounts may be identified by account identifiers (e.g. account numbers) or bank identification numbers (BINs). The token requesting party may also specify encryption keys for the tokens to be generated. The token requesting party may also specify additional parameters such as notification thresholds indicating when notifications associated with the tokens are to be generated.
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Citations
10 Claims
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1. A method comprising:
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providing, by a token server computer operated by a token service provider, an interface to a party, wherein the party controls generation of payment tokens for account identifiers associated with accounts issued the party via the interface; receiving, at the token server computer, a plurality of sets of account identifiers from a computer operated by the party via the interface; receiving, at the token server computer, a request to generate payment tokens for the plurality of sets of account identifiers such that each generated payment token represents an account identifier among the plurality of sets of account identifiers; for each account identifier in the plurality of sets of account identifiers; determining, by the token server computer, whether the account identifier is eligible for tokenization, wherein the determining includes; searching, by the token server computer, a token database for an entry associated with the account identifier; if the token database includes the entry associated with the account identifier; identifying the account identifier as ineligible for tokenization, transmitting a message to the party indicating that the account identifier is ineligible for tokenization, and selecting a next account identifier among the plurality of sets of account identifiers; and if the token database does not include the entry associated with the account identifier; identifying the account identifier as eligible for tokenization, generating, by the token server computer, a payment token for the account identifier, wherein the payment token for the account identifier substitutes the account identifier in a payment transaction initiated using the payment token; creating a new entry in the token database to store the payment token associated with corresponding account identifier; and selecting the next account identifier among the plurality of sets of account identifiers. - View Dependent Claims (2, 3, 4, 5)
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6. A token server computer operated by a token service provider, comprising:
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one or more processors; a non-transitory computer readable storage medium communicatively coupled with the one or more processors and storing instructions which, when executed by the one or more processors, cause the token server computer to; provide an interface to a party, wherein the party controls generation of payment tokens for account identifiers associated with accounts issued the party via the interface; receive a plurality of sets of account identifiers from a computer operated by the party via the interface; receive a request to generate payment tokens for the plurality of sets of account identifiers such that each generated payment token represents an account identifier among the plurality of sets of account identifiers; for each account identifier in the plurality of sets of account identifiers; determine whether the account identifier is eligible for tokenization, wherein determining includes; searching a token database for an entry associated with the account identifier; if the token database includes the entry associated with the account identifier; identifying the account identifier as ineligible for tokenization, transmitting a message to the party indicating that the account identifier is ineligible for tokenization, and selecting a next account identifier among the plurality of sets of account identifiers; and if the token database does not include the entry associated with the account identifier; identifying the account identifier as eligible for tokenization, generating a payment token for the account identifier, wherein the payment token for the account identifier substitutes the account identifier in a payment transaction initiated using the payment token; creating a new entry in the token database to store the payment token associated with corresponding account identifier; and selecting the next account identifier among the plurality of sets of account identifiers. - View Dependent Claims (7, 8, 9, 10)
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Specification