MULTIPLE TOKEN PROVISIONING
First Claim
Patent Images
1. A method comprising:
- receiving, by a payment processor server computer, a provisioning request associated with a communication device, the provisioning request including a primary account identifier of an account associated with an issuer;
sending, by the payment processor server computer, the provisioning request to an issuer server computer;
receiving, by the payment processor server computer, a provisioning response from the issuer server computer, the provisioning response including a first payment token associated with the primary account identifier and generated by the issuer server computer, the first payment token being one of a plurality of first payment tokens associated with the primary account identifier;
generating, by the payment processor server computer, a second payment token associated with the first payment token;
storing, by the payment processor server computer, the first payment token and the second payment token in a payment token database;
providing, by the payment processor server computer, the second payment token to the communication device; and
notifying, by the payment processor server computer, the issuer server computer that the second payment token is associated with the first payment token.
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Accused Products
Abstract
An issuer computer may store a primary account number, and may generate a series of first payment tokens for a plurality of payment devices used by a consumer. The issuer computer may then provide the first payment tokens to a payment processing server computer. The payment processing server computer may then generate a plurality of second payment tokens corresponding to the first payment tokens. The second payment tokens may then be provisioned onto the consumer'"'"'s payment devices.
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Citations
20 Claims
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1. A method comprising:
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receiving, by a payment processor server computer, a provisioning request associated with a communication device, the provisioning request including a primary account identifier of an account associated with an issuer; sending, by the payment processor server computer, the provisioning request to an issuer server computer; receiving, by the payment processor server computer, a provisioning response from the issuer server computer, the provisioning response including a first payment token associated with the primary account identifier and generated by the issuer server computer, the first payment token being one of a plurality of first payment tokens associated with the primary account identifier; generating, by the payment processor server computer, a second payment token associated with the first payment token; storing, by the payment processor server computer, the first payment token and the second payment token in a payment token database; providing, by the payment processor server computer, the second payment token to the communication device; and notifying, by the payment processor server computer, the issuer server computer that the second payment token is associated with the first payment token. - View Dependent Claims (2, 3, 4, 5)
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6. A payment processor server computer comprising:
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a processor; and a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising a payment token database and code executable by the processor for implementing a method comprising; receiving a provisioning request associated with a communication device, the provisioning request including a primary account identifier of an account associated with an issuer; sending the provisioning request to an issuer server computer; receiving a provisioning response from the issuer server computer, the provisioning response including a first payment token associated with the primary account identifier and generated by the issuer server computer, the first payment token being one of a plurality of first payment tokens associated with the primary account identifier; generating a second payment token associated with the first payment token; storing the first payment token and the second payment token in the payment token database; providing the second payment token to the communication device; and notifying the issuer server computer that the second payment token is associated with the first payment token. - View Dependent Claims (7, 8, 9, 10)
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11. A method comprising:
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receiving, by a payment processor server computer, an authorization request message comprising a second payment token for a transaction from a merchant server computer; identifying, by the payment processor server computer, a first payment token that is associated with the second payment token in a payment token database, wherein the second payment token was previously generated by the payment processor server computer, and wherein the first payment token was previously generated by an issuer server computer; reformatting, by the payment processor server computer, the authorization request message to include the first payment token instead of the second payment token; transmitting, by the payment processor server computer, the authorization request message to the issuer server computer, wherein the issuer server computer authorizes the transaction based on a primary account identifier associated with the first payment token at the issuer server computer; receiving, by the payment processor server computer, an authorization response message comprising the first payment token from the issuer server computer; reformatting, by the payment processor server computer, the authorization response message to include the second payment token instead of the first payment token; and transmitting, by the payment processor server computer, the authorization response message to the merchant server computer. - View Dependent Claims (12, 13, 14, 15)
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16. A payment processor server computer comprising:
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a processor; and a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising a payment token database and code executable by the processor for implementing a method comprising; receiving an authorization request message comprising a second payment token for a transaction from a merchant server computer; identifying a first payment token that is associated with the second payment token in a payment token database, wherein the second payment token was previously generated by the payment processor server computer, and wherein the first payment token was previously generated by an issuer server computer; reformatting the authorization request message to include the first payment token instead of the second payment token; transmitting the authorization request message to the issuer server computer, wherein the issuer server computer authorizes the transaction based on a primary account identifier associated with the first payment token at the issuer server computer; receiving an authorization response message comprising the first payment token from the issuer server computer; reformatting the authorization response message to comprise the second payment token instead of the first payment token; and transmitting the authorization response message to the merchant server computer. - View Dependent Claims (17, 18, 19, 20)
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Specification