Systems and Methods for Distributing Tokenization and De-Tokenization Services

• US 20130254102A1
• Filed: 03/08/2013
• Published: 09/26/2013
• Est. Priority Date: 03/20/2012
• Status: Active Application

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Royyuru, Vijay Kumar
• Application Number:
  US13/790,871
• Publication Number:
  US 20130254102A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes

Abstract

This disclosure describes systems and methods related to distributing tokenization and de-tokenization services. Information associated with a proposed payment transaction may be received by a payment transaction service provider system. The information may comprise a token generated by a tokenization service provider. A de-tokenization service provider separate from the tokenization service provider may be identified based at least in part upon the received information. The token may be routed by a payment transaction service provider system to the de-tokenization service provider for processing.

Claims

1. A computer-implemented method, comprising:

receiving, by a payment transaction service provider system comprising one or more computers, information associated with a proposed payment transaction, wherein the information comprises at least a token generated by a tokenization service provider;

identifying, by the payment transaction service provider system, a de-tokenization service provider separate from the tokenization service provider based at least in part upon the received information; and

routing, by the payment transaction service provider system to the de-tokenization service provider, at least the token for processing.

2. The computer-implemented method of claim 1, wherein receiving information associated with the proposed payment transaction further comprises receiving information from one of (i) a merchant device, (ii) a consumer device, or (iii) a merchant acquiring system.

3. The computer-implemented method of claim 1, wherein the token is associated with at least one of (i) a payment credential, (ii) payment account information, or (iii) information associated with at least one value added service.

4. The computer-implemented method of claim 1, wherein identifying the de-tokenization service provider further comprises:

identifying, by the payment transaction service provider system, a banking identification number included in the token; and

determining, by the payment transaction service provider system, the de-tokenization service provider based at least in part upon the banking identification number.

5. The computer-implemented method of claim 4, wherein the banking identification number is associated with a plurality of de-tokenization service providers and further comprises:

selecting, by the payment transaction service provider system, one of the plurality of de-tokenization service providers based at least in part on one or more criteria.

6. One or more computer-readable media configured to store computer-executable instructions that, responsive to execution by one or more processors, cause operations to be performed comprising:

receiving information associated with a proposed payment transaction, wherein the information comprises at least a token generated by a tokenization service provider;

identifying a de-tokenization service provider separate from the tokenization service provider based at least in part upon the received information; and

routing to the de-tokenization service provider at least the token for processing.

7. The one or more computer-readable media of claim 6, wherein receiving information associated with the proposed payment transaction further comprises receiving information from one of (i) a merchant device, (ii) a consumer device, or (iii) a merchant acquiring system.

8. The one or more computer-readable media of claim 6, wherein the token is associated with at least one of (i) a payment credential, (ii) payment account information, or (iii) information associated with at least one value added service.

9. The one or more computer-readable media of claim 6, wherein identifying the de-tokenization service provider further comprises:

identifying a banking identification number included in the token; and

determining the de-tokenization service provider based at least in part upon the banking identification number.

10. The one or more computer-readable media of claim 9, wherein the banking identification number is associated with a plurality of de-tokenization service providers and further comprises:

selecting one of the plurality of de-tokenization service providers based at least in part on one or more criteria.

11. A computer-implemented method, comprising:

receiving, from a requesting device by a tokenization service provider system comprising one or more computers, a request to generate a token for use in a payment transaction;

generating, by the tokenization service provider system in response to the received request, the token, the token comprising information that facilitates an identification of a de-tokenization service provider system separate from the tokenization service provider system; and

communicating, by the tokenization service provider system, the generated token to the requesting device.

12. The computer-implemented method of claim 11, wherein the token is associated with at least one of (i) a payment credential, (ii) payment account information, or (iii) information associated with at least one value added service.

13. The computer-implemented method of claim 11, wherein receiving the request further comprises receiving the request from one of (i) a consumer device or (ii) a merchant device.

14. The computer-implemented method of claim 11, wherein the information that facilitates the identification of the de-tokenization service provider further comprises a banking identification number.

15. The computer-implemented method of claim 14, wherein the banking identification number is associated with a plurality of de-tokenization service providers and further comprises:

selecting, by the tokenization service provider system, one of the plurality of de-tokenization service providers based at least in part on one or more criteria.

16. One or more computer-readable media configured to store computer-executable instructions that, responsive to execution by one or more processors, cause operations to be performed comprising:

receiving, from a requesting device, a request to generate a token for use in a payment transaction;

generating the token in response to the received request, wherein the token comprises information that facilitates an identification of a de-tokenization service provider system separate from the tokenization service provider system; and

communicating the generated token to the requesting device.

17. The one or more computer-readable media of claim 16, wherein the token is associated with at least one of (i) a payment credential, (ii) payment account information, or (iii) information associated with at least one value added service.

18. The one or more computer-readable media of claim 16, wherein receiving the request further comprises receiving the request from one of (i) a consumer device or (ii) a merchant device.

19. The one or more computer-readable media of claim 16, wherein the information that facilitates the identification of the de-tokenization service provider further comprises a banking identification number.

20. The one or more computer-readable media of claim 19, wherein the banking identification number is associated with a plurality of de-tokenization service providers and the operations further comprise:

selecting one of the plurality of de-tokenization service providers based at least in part on one or more criteria.