Multiple tokenization for authentication
First Claim
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1. A method comprising:
- receiving at a first entity computer operated by a first entity, a first token from a consumer;
determining, by the first entity computer, a second token associated with the first token; and
sending, by the first entity computer, the second token to a server computer at a second entity, wherein the server computer determines an account identifier associated with the second token and,wherein the method further comprises generating, by the first entity computer, an authorization request message comprising the second token; and
wherein sending the second token to the server computer at the second entity comprisessending, by the first entity computer, the authorization request message to the server computer at the second entity, wherein the server computer receives the authorization request message, determines the account identifier by electronically searching a database for an account identifier associated with the second token, modifies the authorization request message to include the account identifier, and sends the modified authorization request message to an account issuer computer to authorize the transaction.
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Abstract
Embodiments of the present invention are directed generally to systems, methods, and apparatuses for authenticating a cardholder using multiple tokenization authentication. Embodiments of the invention are directed at a method. The method includes receiving at a first entity a first token from a consumer and determining a second token associated with the first token. Once the second token is determined, the second token is sent to a server computer at a second entity. The server computer then determines an account identifier associated with the second token and processes a transaction using the account identifier.
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Citations
26 Claims
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1. A method comprising:
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receiving at a first entity computer operated by a first entity, a first token from a consumer; determining, by the first entity computer, a second token associated with the first token; and sending, by the first entity computer, the second token to a server computer at a second entity, wherein the server computer determines an account identifier associated with the second token and, wherein the method further comprises generating, by the first entity computer, an authorization request message comprising the second token; and wherein sending the second token to the server computer at the second entity comprises sending, by the first entity computer, the authorization request message to the server computer at the second entity, wherein the server computer receives the authorization request message, determines the account identifier by electronically searching a database for an account identifier associated with the second token, modifies the authorization request message to include the account identifier, and sends the modified authorization request message to an account issuer computer to authorize the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. An apparatus comprising:
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a processor and a non-transitory computer-readable storage medium coupled to the processor, the computer-readable storage medium comprising code executable by the processor for implementing a method comprising; receiving a first token from a consumer; determining a second token associated with the first token; and sending the second token to a server computer at a second entity, wherein the server computer determines an account identifier associated with the second token, wherein the method further comprises generating an authorization request message comprising the second token, and wherein sending the second token to the server computer at the second entity further comprises sending the authorization request message to the server computer at the second entity, wherein the server computer receives the authorization request message, determines the account identifier by electronically searching a database for an account identifier associated with the second token, modifies the authorization request message to include the account identifier, and sends the modified authorization request message to an account issuer computer to authorize the transaction. - View Dependent Claims (15, 16, 17)
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18. A method comprising:
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receiving a second token at a second entity server computer operated by a second entity from a first entity computer operated by a first entity, wherein the second token is associated with a first token that is received by the first entity computer from a consumer; determining, by the second entity server computer, an account identifier associated with the second token; and processing, by the second entity server computer, a transaction using the account identifier, wherein receiving the second token further comprises receiving an authorization request message comprising the second token and wherein processing the transaction using the account identifier further comprises modifying, by the second entity server computer, the authorization request message to include the account identifier and sending the modified authorization request message to an account issuer computer to authorize the transaction. - View Dependent Claims (19, 20, 21, 22, 23)
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24. An apparatus comprising:
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a processor and a non-transitory computer-readable storage medium coupled to the processor, the computer-readable storage medium comprising code executable by the processor for implementing a method comprising; receiving a second token from a first entity computer operated by a first entity, wherein the second token is associated with a first token that is received by the first entity computer from a consumer; determining an account identifier associated with the second token; and processing a transaction using the account identifier, wherein receiving the second token further comprises receiving an authorization request message comprising the second token and wherein processing the transaction using the account identifier further comprises modifying the authorization request message to include the account identifier and sending the modified authorization request message to an account issuer computer to authorize the transaction. - View Dependent Claims (25, 26)
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Specification