METHOD AND SYSTEM FOR UTILIZING AUTHORIZATION FACTOR POOLS
First Claim
1. A system for accessing a token associated with cardholder data (CHD) to enable performing a transaction with the CHD, the system comprising:
- a token access system comprising computer hardware, the token access system configured to;
receive an authorization factor from a user;
identify an authorization factor pool associated with the authorization factor, wherein the authorization factor pool is one of a plurality of authorization factor pools;
identify a tokenization provider system associated with the authorization factor pool, wherein the tokenization provider system is one of a plurality of tokenization provider systems and wherein each authorization factor pool is associated with one tokenization provider system of the plurality of tokenization provider systems;
identify a token associated with the authorization factor at the tokenization provider system; and
provide the user with access to the token associated with the authorization factor thereby enabling the user to perform a transaction with CHD associated with the token without receiving the CHD from a cardholder associated with the CHD.
3 Assignments
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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.
220 Citations
11 Claims
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1. A system for accessing a token associated with cardholder data (CHD) to enable performing a transaction with the CHD, the system comprising:
a token access system comprising computer hardware, the token access system configured to; receive an authorization factor from a user; identify an authorization factor pool associated with the authorization factor, wherein the authorization factor pool is one of a plurality of authorization factor pools; identify a tokenization provider system associated with the authorization factor pool, wherein the tokenization provider system is one of a plurality of tokenization provider systems and wherein each authorization factor pool is associated with one tokenization provider system of the plurality of tokenization provider systems; identify a token associated with the authorization factor at the tokenization provider system; and provide the user with access to the token associated with the authorization factor thereby enabling the user to perform a transaction with CHD associated with the token without receiving the CHD from a cardholder associated with the CHD. - View Dependent Claims (2, 3, 4, 5)
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6. A method of accessing a token associated with cardholder data (CHD) to enable performing a transaction with the CHD, 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 plurality of tokenization provider systems; receiving an authorization factor from a user; identifying an authorization factor pool associated with the authorization factor, wherein the authorization factor pool is one of a plurality of authorization factor pools; identifying a tokenization provider system associated with the authorization factor pool, wherein the tokenization provider system is one of the plurality of tokenization provider systems; identifying a token associated with the authorization factor at the tokenization provider system; determining whether the user is authorized to access the token; and in response to determining that the user is authorized to access the token, providing the user with access to the token associated with the authorization factor, thereby enabling the user to perform a transaction with CHD associated with the token without receiving the CHD from a cardholder associated with the CHD. - View Dependent Claims (7, 8, 9, 10, 11)
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Specification