TOKENIZATION OF CO-NETWORK ACCOUNTS
First Claim
1. A method comprising:
- receiving, at a server computer of a first transaction processing network, a first token provisioning request message from a token requestor, the first token provisioning request message including an account identifier;
determining, by the server computer, a second transaction processing network associated with the account identifier;
performing, by the server computer, an authentication process with a user;
generating, by the server computer, a first token associated with the account identifier; and
sending, by the server computer, the first token and result of the authentication process to the token requestor, wherein the token requestor sends a token provisioning message including the account identifier and the result of the authentication process to the second transaction processing network to request a second token for the account identifier.
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Accused Products
Abstract
The present disclosure relates generally to tokenization of a co-network account. A co-network account, as used herein, refers to an account associated with a first transaction processing network for processing transactions initiated using the account and a second transaction processing network for processing transactions initiated using the account. During provisioning of a co-network account onto a user device, a first token is generated for use with the first transaction processing network and a second token is generated for use with the second transaction processing network. Embodiments use the authentication result generated during the provisioning of the first token for the provisioning of the second token. Embodiments automatically provision multiple payment tokens on the user device upon determining that the account is associated with more than one transaction processing networks (e.g. the account is a co-network account).
93 Citations
22 Claims
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1. A method comprising:
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receiving, at a server computer of a first transaction processing network, a first token provisioning request message from a token requestor, the first token provisioning request message including an account identifier; determining, by the server computer, a second transaction processing network associated with the account identifier; performing, by the server computer, an authentication process with a user; generating, by the server computer, a first token associated with the account identifier; and sending, by the server computer, the first token and result of the authentication process to the token requestor, wherein the token requestor sends a token provisioning message including the account identifier and the result of the authentication process to the second transaction processing network to request a second token for the account identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method comprising:
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sending, by a token requestor computer, a first token request message to a first transaction processing network, wherein the first token request message includes an account identifier; receiving, by the token requestor computer, a message from the first transaction processing network indicating that the account identifier is associated with a second transaction processing network; receiving, by the token requestor computer, a first token from the first transaction processing network; sending, by the token requestor computer, a second token request message to the second transaction network; and receiving, by the token requestor computer, a second token from the second transaction processing network. - View Dependent Claims (11, 12, 13, 14, 15)
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16. A server computer of a first transaction processing network;
- comprising;
one or more processors; and a non-transitory computer readable storage medium communicatively coupled with the one or more processors and storing instructions which, when executed by the one or more processors, cause the server computer to; receive a token provisioning request message from a token requestor, the token provisioning request message including an account identifier; determine a second transaction processing network associated with the account identifier; perform an authentication process with a user based on determining the second transaction processing network associated with the account identifier; generate a first token associated with the account identifier; and send the first token and result of the authentication process to the token requestor, wherein the token requestor requests a second token for the account identifier from the second transaction processing network associated with the account identifier. - View Dependent Claims (17, 18, 19, 20, 21, 22)
- comprising;
Specification