System for data rotation through tokenization
First Claim
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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Accused Products
Abstract
Embodiments rotate data by tokenization. Embodiments determine one or more check data fields of a check such as check number and routing number; generate a PIN based on the determined check data fields; receive user input of a user PIN; compare the generated PIN with the inputted user PIN; if the generated PIN matches the inputted user PIN, proceed with the transaction; and if the generated PIN does not match the inputted user PIN, cancel the transaction. In some cases, a point of sale terminal comprising a scanner for scanning the check to determine the one or more check data fields. In some cases, receiving user input of the user PIN comprises receiving, by a communication device of the system from a mobile device of the user, a text message, SMS message or phone call comprising the user input of a user PIN.
614 Citations
20 Claims
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1. A system for data rotation through tokenization, the system comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A computer program product for data rotation through tokenization, the computer program product comprising a non-transitory computer-readable medium comprising code causing one or more processors of a system to:
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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. - View Dependent Claims (11, 12, 13, 14, 15, 16)
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17. A computer-implemented method for data rotation through tokenization, the method comprising:
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determining, by one or more processors, one or more check data fields, including at least a check account number and a bank routing number; generating, by the one or more processors, a PIN; associating, by the one or more processors, the generated PIN with the one or more check data fields; in response to initiating a transaction with a merchant, generating and displaying, by the one or more processors, on a mobile device of the user, a virtual check with the one or more check data fields including at least the check account number and the bank routing number; receiving, by the one or more processors, a user PIN; comparing, by the one or more processors, the generated PIN with the user PIN; if the generated PIN matches the user PIN, proceeding, by the one or more processors, with the transaction; and if the generated PIN does not match the user PIN, cancelling, by the one or more processors, the transaction. - View Dependent Claims (18, 19, 20)
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Specification