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System for data rotation through tokenization

  • US 10,268,635 B2
  • Filed: 06/17/2016
  • Issued: 04/23/2019
  • Est. Priority Date: 06/17/2016
  • Status: Active Grant
First Claim
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1. A system for data rotation through tokenization, the system comprising:

  • one or more processors; and

    one or more non-transitory computer-readable memories;

    computer-executable instructions stored within the one or more non-transitory computer-readable memories, that when executed by the one or more processors, cause the system to;

    determine one or more check data fields, including at least a check account number and a bank routing number;

    generate a PIN;

    associate the generated PIN with the one or more check data fields;

    in response to initiating a transaction with a merchant, generate and display, on a mobile device of a user, a virtual check with the one or more check data fields including at least the check account number and the bank routing number;

    receive a user PIN;

    compare the generated PIN with the user PIN;

    if the generated PIN matches the user PIN, proceed with the transaction; and

    if the generated PIN does not match the user PIN, cancel the transaction.

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