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METHOD AND SYSTEM FOR UTILIZING AUTHORIZATION FACTOR POOLS

  • US 20130304649A1
  • Filed: 07/12/2013
  • Published: 11/14/2013
  • Est. Priority Date: 04/15/2011
  • Status: Active Grant
First Claim
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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.

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