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Merchant-based token sharing

  • US 9,818,111 B2
  • Filed: 03/12/2013
  • Issued: 11/14/2017
  • Est. Priority Date: 04/15/2011
  • Status: Active Grant
First Claim
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1. A system for sharing cardholder data, the system comprising:

  • a computing system of a first merchant, the computing system comprising computer hardware, the computing system programmed to;

    receive cardholder data (CHD) associated with a cardholder;

    provide the CHD electronically to a tokenization provider system comprising computer hardware;

    discard the CHD;

    receive electronically a token from the tokenization provider system associated with the CHD, the token formatted in a format so as to be processed as if the token were the CHD;

    receive a request from a user to perform a transaction with a second merchant; and

    in response to receipt of the request, send a merchant identifier of the second merchant to a tokenization access system;

    the tokenization access system comprising computer hardware, the tokenization access system programmed to;

    generate an authorization factor in response to receiving the merchant identifier of the second merchant from the computing system of the first merchant;

    associate the authorization factor with the token;

    generate the machine-readable code by including the authorization factor and the merchant identifier in the machine-readable code; and

    provide the machine-readable code to the second merchant;

    the tokenization provider system programmed to, subsequent to the tokenization access system providing the machine-readable code to the second merchant;

    receive the authentication factor from a point-of-sale (POS) system;

    retrieve the CHD associated with the token by using the authentication factor; and

    transmit the CHD to the POS system; and

    the POS system programmed to;

    scan the machine-readable code;

    extract the authentication factor from the machine-readable code;

    provide the authentication factor to the tokenization provider system;

    receive authorization to perform a transaction with the CHD associated with the token that is associated with the authentication factor at the tokenization provider system; and

    cause the transaction to be performed with the CHD at the tokenization provider system without receiving the CHD.

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