Configurable payment tokens
First Claim
1. A method comprising:
- receiving, by a payment processor computer, via a graphical user interface on a merchant computer operated by a merchant, a merchant-configured token format from the merchant, wherein the graphical user interface is configured to allow the merchant to specify a length of characters or character set in the merchant-configured token format, wherein the merchant-configured token format specifies at least one of the length and characters of tokens to be generated;
after receiving the merchant-configured token format, storing, by the payment processor computer, the merchant-configured token format received from the merchant computer in a database;
after the merchant-configured token format is stored, receiving, by the payment processor computer, from the merchant, a payment account number from a customer during a first transaction with the merchant;
generating or receiving, by the payment processor computer, an authorization request message comprising the payment account number;
sending, by the payment processor computer, the authorization request message comprising the payment account number to an issuer computer associated with the payment account number;
receiving, by the payment processor computer, an authorization response message comprising the payment account number from the issuer computer;
after receiving the authorization response message from the issuer computer, retrieving, by the payment processor computer, the merchant-configured token format from the database;
generating, by the payment processor computer, a token associated with the payment account number using the retrieved merchant-configured token format, the token including a set of characters, wherein the token conforms to the merchant-configured token format; and
sending, by the payment processor computer, to the merchant the token associated with the payment account number, wherein the token is stored at the merchant.
1 Assignment
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Accused Products
Abstract
Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.
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Citations
20 Claims
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1. A method comprising:
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receiving, by a payment processor computer, via a graphical user interface on a merchant computer operated by a merchant, a merchant-configured token format from the merchant, wherein the graphical user interface is configured to allow the merchant to specify a length of characters or character set in the merchant-configured token format, wherein the merchant-configured token format specifies at least one of the length and characters of tokens to be generated; after receiving the merchant-configured token format, storing, by the payment processor computer, the merchant-configured token format received from the merchant computer in a database; after the merchant-configured token format is stored, receiving, by the payment processor computer, from the merchant, a payment account number from a customer during a first transaction with the merchant; generating or receiving, by the payment processor computer, an authorization request message comprising the payment account number; sending, by the payment processor computer, the authorization request message comprising the payment account number to an issuer computer associated with the payment account number; receiving, by the payment processor computer, an authorization response message comprising the payment account number from the issuer computer; after receiving the authorization response message from the issuer computer, retrieving, by the payment processor computer, the merchant-configured token format from the database; generating, by the payment processor computer, a token associated with the payment account number using the retrieved merchant-configured token format, the token including a set of characters, wherein the token conforms to the merchant-configured token format; and sending, by the payment processor computer, to the merchant the token associated with the payment account number, wherein the token is stored at the merchant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 16, 17, 18, 19)
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15. A payment processing computer comprising:
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a processor; and a non-transitory computer readable medium storing instructions, which when executed causes the processor to perform a method comprising receiving via a graphical user interface on a merchant computer operated by a merchant, a merchant-configured token format from the merchant, wherein the graphical user interface is configured to allow the merchant to specify a length of characters or character set in the token format, wherein the merchant-configured token format specifies at least one of the length and characters of the tokens to be generated, after receiving the merchant-configured token format, storing the merchant-configured token format received from the merchant in a database, after the merchant-configured token format is stored, receiving from the merchant, a payment account number from a customer during a first transaction with the merchant, generating or receiving an authorization request message comprising the payment account number, sending the authorization request message comprising the payment account number to an issuer computer associated with the payment account number; receiving an authorization response message comprising the payment account number from the issuer computer, after receiving the authorization response message from the issuer computer, retrieving the merchant-configured token format from the database, generating a token associated with the payment account number using the retrieved merchant-configured token format, the token including a set of characters, wherein the token conforms to the merchant-configured token format, and sending to the merchant the token associated with the payment account number, wherein the token is stored at the merchant. - View Dependent Claims (20)
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Specification