MERCHANT-BASED TOKEN SHARING
First Claim
1. A system for sharing cardholder data, the system comprising:
- a token access system comprising computer hardware, the token access system associated with a first merchant, the token access system configured to;
obtain cardholder data (CHD) associated with a cardholder;
provide the CHD electronically to a tokenization provider system;
discard the CHD;
receive electronically a token from the tokenization provider system associated with the CHD, thereby enabling the token access system to maintain access to the CHD without storing the CHD;
receive identification of a second merchant from a user; and
store an association between the token and an identifier of the second merchant, thereby enabling the second merchant to perform a transaction with the CHD without obtaining a copy of the CHD.
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Accused Products
Abstract
One embodiment of the present disclosure provides a system and associated processes for sharing cardholder data (CHD) between a merchant that utilizes tokenization and a second merchant that may or may not utilize tokenization. In one embodiment, the merchant, or an employee of the merchant, can use the system and associated processes to reacquire CHD from a tokenization provider system. In one embodiment, the merchant identifies to the tokenization provider system a desire to share CHD, which is associated with a token, with a second merchant. The merchant and/or the tokenization provider system can then invite the second merchant to register with the tokenization provider system. Once registered with the tokenization provider system, the second merchant can access any CHD that the merchant associated with the second merchant.
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Citations
20 Claims
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1. A system for sharing cardholder data, the system comprising:
a token access system comprising computer hardware, the token access system associated with a first merchant, the token access system configured to; obtain cardholder data (CHD) associated with a cardholder; provide the CHD electronically to a tokenization provider system; discard the CHD; receive electronically a token from the tokenization provider system associated with the CHD, thereby enabling the token access system to maintain access to the CHD without storing the CHD; receive identification of a second merchant from a user; and store an association between the token and an identifier of the second merchant, thereby enabling the second merchant to perform a transaction with the CHD without obtaining a copy of the CHD. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method of sharing cardholder data, the method comprising:
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by a token access system implemented in a computing system comprising one or more processors, the token access system associated with a first merchant; obtaining cardholder data (CHD) associated with a cardholder; providing the CHD electronically to a tokenization provider system; receiving electronically a token from the tokenization provider system associated with the CHD, thereby enabling access to the CHD without storing the CHD; receiving an identification of one or more additional merchants from the first merchant; and storing an association between the token and the one or more additional merchants, thereby enabling the one or more merchants to perform a transaction using the CHD without accessing a copy of the CHD. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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Specification