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Mobile tokenization hub

  • US 9,978,062 B2
  • Filed: 05/15/2014
  • Issued: 05/22/2018
  • Est. Priority Date: 05/15/2013
  • Status: Active Grant
First Claim
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1. A method for providing tokens to a first mobile device and a second mobile device, wherein the first mobile device comprises a secure element and a memory and is associated with a first user, and wherein the second mobile device comprises memory and does not include a secure element, the method comprising:

  • receiving, by a server, a first token request from the first mobile device, wherein the token request comprises an identifier of the first mobile device;

    determining, by the server, based on the identifier for the first mobile device, that the first mobile device comprises the secure element;

    based on the determining that the first mobile device has the secure element, generating, by the server, a first token and mapping the first token to an account identifier of the first user;

    writing, by the server, the generated first token to the secure element of the first mobile device;

    receiving, by the server, a second token request from the second mobile device, wherein the second token request comprises an identifier of the second mobile device;

    determining, by the server, based on the identifier of the second mobile device that the second mobile device does not comprise a secure element;

    based on the determination that the second mobile device does not contain a secure element, generating by the server, a time-to-live token; and

    sending, by the server, the generated time-to-live token to the second mobile device.

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