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MULTI-NETWORK TOKEN BIN ROUTING WITH DEFINED VERIFICATION PARAMETERS

  • US 20150112871A1
  • Filed: 10/21/2014
  • Published: 04/23/2015
  • Est. Priority Date: 10/21/2013
  • Status: Active Grant
First Claim
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1. A method, comprising:

  • receiving, at a computing device, a first transaction information for a first transaction, wherein the first transaction information includes a first token value associated with a first account serving as a payment account for the first transaction, wherein the first token value includes a token issuer identifier, and wherein the first transaction information does not include any account identifier of the first account;

    identifying, by the computing device based upon the token issuer identifier, a first entry of a plurality of entries of a token translation table, wherein the first entry is associated with the token issuer identifier and identifies a plurality of payment processing networks that are eligible to process transactions associated with the token issuer identifier, and wherein the first entry further identifies a plurality of verification methods corresponding to the plurality of payment processing networks;

    selecting, by the computing device, a first of the plurality of payment processing networks to process the transaction based at least in part upon the transaction information; and

    transmitting the transaction information to the selected first payment processing network.

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