Multiple tokenization for authentication
First Claim
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1. A method comprising:
- receiving at a server computer, a modified first authorization request comprising an account number from a first processing computer, which determined the account number from an initial merchant token received in a first authorization request from a first merchant computer, which determined the initial merchant token from a consumer token;
transmitting, by the server computer, the modified first authorization request comprising the account number to an issuer computer, which approves or declines the modified first authorization request;
receiving, at the server computer, a modified second authorization request comprising the account number from a second processing computer, which determined the account number from a subsequent merchant token received in a second authorization request from a second merchant computer, which determined the subsequent merchant token from the consumer token; and
transmitting, by the server computer, the modified second authorization request comprising the account number to the issuer computer, which approves or declines the modified second authorization request.
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Abstract
Embodiments of the present invention are directed generally to systems, methods, and apparatuses for authenticating a cardholder using multiple tokenization authentication. Embodiments of the invention are directed at a method. The method includes receiving at a first entity a first token from a consumer and determining a second token associated with the first token. Once the second token is determined, the second token is sent to a server computer at a second entity. The server computer then determines an account identifier associated with the second token and processes a transaction using the account identifier.
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Citations
18 Claims
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1. A method comprising:
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receiving at a server computer, a modified first authorization request comprising an account number from a first processing computer, which determined the account number from an initial merchant token received in a first authorization request from a first merchant computer, which determined the initial merchant token from a consumer token; transmitting, by the server computer, the modified first authorization request comprising the account number to an issuer computer, which approves or declines the modified first authorization request; receiving, at the server computer, a modified second authorization request comprising the account number from a second processing computer, which determined the account number from a subsequent merchant token received in a second authorization request from a second merchant computer, which determined the subsequent merchant token from the consumer token; and transmitting, by the server computer, the modified second authorization request comprising the account number to the issuer computer, which approves or declines the modified second authorization request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A system comprising:
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a first processing computer; a second processing computer; and a server computer comprising a processor, and a computer readable medium coupled to the processor, the computer readable medium comprising code executable by the processor for implementing a method comprising receiving a modified first authorization request comprising an account number from the first processing computer, which determined the account number received in a first authorization request from an initial merchant token from first merchant computer, which determined the initial merchant token from a consumer token, transmitting the modified first authorization request to an issuer computer, which approves or declines the modified first authorization request, receiving a modified second authorization request comprising the account number from the second processing computer, which determined the account number from a subsequent merchant token received in a second authorization request from a second merchant computer, which determined the subsequent merchant token from the consumer token and transmitting the second authorization request to the issuer computer, which approves or declines the modified second authorization request. - View Dependent Claims (14, 15, 16, 17)
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18. A method comprising:
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deriving, by a first processing computer, an account number from an initial merchant token specifically created for a first merchant; receiving at a server computer, a first authorization request comprising the account number from the first processing computer; forwarding, by the server computer, the first authorization request to an issuer; deriving the account number, by a second processing computer, from a subsequent merchant token specifically created for a second merchant receiving, at the server computer, a second authorization request comprising the account number from the second processing computer; and forwarding, by the server computer, the second authorization request to the issuer; wherein the initial merchant token and the subsequent merchant token were previously derived from a same consumer token.
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Specification