Mobile wallet using tokenized card systems and methods

• US 9,652,770 B1
• Filed: 04/30/2014
• Issued: 05/16/2017
• Est. Priority Date: 04/30/2014
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Kurani, Ashish Bhoopen, Stroke, Nikolai, Sahni, Bipin, Ellis, Stephen M., Puffer, Steve
• Primary Examiner(s): Hewitt, II, Calvin L
• Assistant Examiner(s): Leffall-Allen, Nakia
• Application Number:
  US14/266,580
• Time in Patent Office: 1,112 Days
• Field of Search: 705 39, 705 64, 705 16, 235380
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

One embodiment of the present disclosure relates to a computer-implemented method that includes sending, by a mobile wallet server, an identification number that is part of a substitute card number to be used by a mobile device as a mobile wallet, determining an actual card number based on the substitute card number and sending the actual card number and the identification number for processing a payment.

Claims

1. A computer-implemented method performed by one or more processors of a mobile wallet computer system, comprising:

receiving, by network interface logic of the mobile wallet computer system, a fund access request from a mobile device of a user having a mobile wallet account provided by the mobile wallet computer system;

based on the fund access request, generating, by a token generator of the mobile wallet computer system, a payment token unique to a payment transaction and a tokenized card number, and wherein generating the tokenized card number comprises;

replacing an issuer identifier of an actual card number of the user with an issuer identifier number that belongs to a financial institution providing the mobile wallet computer system;

generating a plurality of generated numbers and replacing an equivalent number of digits in the actual card number with the plurality of generated numbers, wherein the plurality of generated numbers do not match the digits in the actual card number, and wherein the plurality of generated numbers includes a trace identification number based on the mobile wallet account of the user; and

retaining at least the last four digits of the actual card number;

sending, by the network interface logic of the mobile wallet computer system, a code in track 1 or track 2 format to the mobile device, wherein the code includes the tokenized card number embedded within a primary account number field and the payment token embedded within an issuer discretionary field;

receiving, by the network interface logic of the mobile wallet computer system, a code in track 1 or track 2 format from an acquirer processor computer system, wherein the received code is one of the same or different than the code sent to the mobile device, and wherein the received code includes the tokenized card number embedded within a primary account number field and the payment token embedded within an issuer discretionary field;

determining, by account processing logic of the mobile wallet computer system, the actual card number based on the received code, including retrieving the trace identification number stored within the tokenized card number and determining the actual card number associated with both the trace identification number and the payment token;

verifying, by transaction verification logic of the mobile wallet computer system, the tokenized card number based on the generated numbers of the tokenized card number, including the trace identification number; and

sending, by the network interface logic of the mobile wallet computer system, the actual card number and the trace identification number to the acquirer processor computer system in track 1 or track 2 format by replacing the tokenized card number stored within the primary account number field with the actual card number, replacing the payment token stored within the issuer discretionary field with the trace identification number, and sending a value of the primary account number field and the issuer discretionary field to the acquirer processor computer system.

2. The method of claim 1, wherein the tokenized card number is generated to include a checksum digit within the last four digits of the actual card number, wherein generating the plurality of generated numbers further comprises generating a single checksum helper digit, and wherein the combination of the new issuer identifier number, the trace identification number, and the single checksum helper digit result in a checksum that is equal to the checksum digit.

3. The method of claim 1, wherein the fund access request includes a device identification number for the mobile device, and wherein the method further comprises:

authenticating, by the account processing logic of the mobile wallet computer system, the user based on the device identification number received from the mobile device, including matching the device identification number with account information stored in an accounts database of the mobile wallet computer system.

4. The method of claim 1, wherein the trace identification number is unique to the mobile wallet account of the user.

5. A computer-implemented method performed by one or more processors of a mobile wallet computer system, comprising:

receiving, by network interface logic of the mobile wallet computer system, a fund access request from a mobile device of a user having a mobile wallet account provided by the mobile wallet computer system;

based on the fund access request, generating, by a token generator of the mobile wallet computer system, a payment token unique to a payment transaction and a tokenized card number, and wherein generating the tokenized card number comprises;

replacing an issuer identifier of an actual card number of the user with an issuer identifier number that belongs to a financial institution providing the mobile wallet computer system;

generating a plurality of generated numbers and replacing an equivalent number of digits in the actual card number with the plurality of generated numbers, wherein the plurality of generated numbers do not match the digits in the actual card number, and wherein the plurality of generated numbers includes a trace identification number based on the mobile wallet account of the user; and

retaining at least the last four digits of the actual card number;

sending, by the network interface logic of the mobile wallet computer system, a code in track 1 or track 2 format to the mobile device, wherein the code includes the tokenized card number embedded within a primary account number field and the payment token embedded within an issuer discretionary field;

receiving, by the network interface logic of the mobile wallet computer system, a code in track 1 or track 2 format from an acquirer processor computer system, wherein the received code is one of the same or different than the code sent to the mobile device, and wherein the received code includes the tokenized card number embedded within a primary account number field and the payment token embedded within an issuer discretionary field;

determining, by transaction verification logic of the mobile wallet computer system, the actual card number based on the received code, including retrieving the trace identification number stored within the tokenized card number and determining the actual card number associated with both the trace identification number and the payment token; and

sending, by the network interface logic of the mobile wallet computer system, the actual card number and the trace identification number to the acquirer processor computer system in track 1 or track 2 format by replacing the tokenized card number stored within the primary account number field with the actual card number, replacing the payment token stored within the issuer discretionary field with the trace identification number, and sending a value of the primary account number field and the issuer discretionary field to the acquirer processor computer system.

6. The method of claim 5, wherein the tokenized card number is generated to include a checksum digit within the last four digits of the actual card number, wherein generating the plurality of generated numbers further comprises generating a single checksum helper digit, and wherein the combination of the new issuer identifier number, the trace identification number, and the single checksum helper digit result in a checksum that is equal to the checksum digit.

7. The method of claim 5, wherein the tokenized card number is generated to include exactly 19 digits.