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MERCHANT-BASED TOKEN SHARING

  • US 20130191286A1
  • Filed: 03/12/2013
  • Published: 07/25/2013
  • Est. Priority Date: 04/15/2011
  • Status: Active Grant
First Claim
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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.

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