MULTI-NETWORK TOKEN BIN ROUTING WITH DEFINED VERIFICATION PARAMETERS
First Claim
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.
1 Assignment
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Accused Products
Abstract
Techniques described herein relate to using tokenization with BIN table routing by configuring a computer system, such as an acquirer computer, to utilize a token BIN translation table to determine which payment processing network(s) are eligible to route a transaction based upon a utilized token. In an embodiment, each token BIN translation table entry associates a token BIN with one or more payment processing networks that are eligible to route transactions. An acquirer computer, upon receiving a token for a transaction, thus may flexibly route the transaction to an eligible network from the set of payment processing networks identified by the entry corresponding to the token'"'"'s BIN value. The entry may further identify verification methods for the eligible payment processing networks, and may identify product type attributes of the account associated with the token, either of which may be used in determining which payment processing network to select.
231 Citations
20 Claims
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1. A method, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A non-transitory computer-readable storage medium storing instructions which, when executed by one or more processors of a computing device, cause the computing device to perform operations comprising:
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receiving 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, based upon the token issuer identifier, a first entry of a plurality of entries of a token translation table, wherein the first entry 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 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. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A computing device, comprising:
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one or more processors; one or more network interfaces communicatively coupled with the one or more processors; and a non-transitory computer readable storage medium, coupled to the one or more processors, that stores instructions which, when executed by the one or more processors, cause the computing device to perform operations comprising; receiving, at the one or more network interfaces, 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 token information does not include any account identifier of the first account; identifying, based upon the token issuer identifier, a first entry of a plurality of entries of a token translation table, wherein the first entry 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 a first of the plurality of payment processing networks to process the transaction based at least in part upon the transaction information; and transmitting, by the one or more network interfaces, the transaction information to the selected first payment processing network. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification