PAYMENT PRIVACY TOKENIZATION APPARATUSES, METHODS AND SYSTEMS
First Claim
1. A payment privacy tokenization apparatus, comprising:
- a processor;
a network communication device operatively connected to the processor; and
a memory operatively connected to the processor and storing processor-executable instructions to;
obtain in the memory, via the network communication device, a purchase transaction request including a payment token in lieu of payment information, and an originating location identifier for a geographical origin of the purchase transaction request;
extract, via the processor, the payment token included in the purchase transaction request;
query a database, using the extracted payment token, for a transaction processing privacy rule set associated with the payment token;
obtain in the memory, from the database, the transaction processing privacy rule set associated with the payment token;
extract, via the processor, a privacy rule from the obtained transaction processing privacy rule set;
determine, via the processor, whether the privacy rule prohibits submitting the purchase transaction request for processing in a country associated with the originating location identifier; and
provide, via the network communication device, the purchase transaction request to a payment network server according to the determination of whether the privacy rule prohibits submitting the purchase transaction for processing in the country associated with the originating location identifier.
1 Assignment
0 Petitions
Accused Products
Abstract
The PAYMENT PRIVACY TOKENIZATION APPARATUSES, METHODS AND SYSTEMS (“PPT”) transform payment token-based purchase orders via PPT components into multi-issuer purchase payment funds transfers. In one embodiment, the PPT obtains a token arbitration request including unique source-neutral universally-resolvable payment token information from a merchant for processing a purchase order from a user. The PPT queries a token database for issuer information on an issuer using the payment token information, and obtains the issuer information. The PPT also determines that the user should be queried for payment options based on the issuer information, and provides a payment options request to a user mobile device. Upon obtaining a response from the mobile device, the PPT generates a purchase authorization request based on the payment options and pre-defined settings for issuers to be contacted for processing the purchase order, and provides the generated purchase authorization request to the issuer.
556 Citations
28 Claims
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1. A payment privacy tokenization apparatus, comprising:
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a processor; a network communication device operatively connected to the processor; and a memory operatively connected to the processor and storing processor-executable instructions to; obtain in the memory, via the network communication device, a purchase transaction request including a payment token in lieu of payment information, and an originating location identifier for a geographical origin of the purchase transaction request; extract, via the processor, the payment token included in the purchase transaction request; query a database, using the extracted payment token, for a transaction processing privacy rule set associated with the payment token; obtain in the memory, from the database, the transaction processing privacy rule set associated with the payment token; extract, via the processor, a privacy rule from the obtained transaction processing privacy rule set; determine, via the processor, whether the privacy rule prohibits submitting the purchase transaction request for processing in a country associated with the originating location identifier; and provide, via the network communication device, the purchase transaction request to a payment network server according to the determination of whether the privacy rule prohibits submitting the purchase transaction for processing in the country associated with the originating location identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A non-transitory medium storing processor-issuable payment privacy tokenization instructions to:
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obtain in a memory, via a network communication device, a purchase transaction request including a payment token in lieu of payment information, and an originating location identifier for a geographical origin of the purchase transaction request; extract, via a processor, the payment token included in the purchase transaction request; query a database, using the extracted payment token, for a transaction processing privacy rule set associated with the payment token; obtain in the memory, from the database, the transaction processing privacy rule set associated with the payment token; extract, via the processor, a privacy rule from the obtained transaction processing privacy rule set; determine, via the processor, whether the privacy rule prohibits submitting the purchase transaction request for processing in a country associated with the originating location identifier; and provide, via the network communication device, the purchase transaction request to a payment network server according to the determination of whether the privacy rule prohibits submitting the purchase transaction for processing in the country associated with the originating location identifier. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A payment privacy tokenization means, comprising means for:
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obtaining a purchase transaction request including a payment token in lieu of payment information, and an originating location identifier for a geographical origin of the purchase transaction request; extracting the payment token included in the purchase transaction request; querying a database, using the extracted payment token, for a transaction processing privacy rule set associated with the payment token; obtaining the transaction processing privacy rule set associated with the payment token; extracting a privacy rule from the obtained transaction processing privacy rule set; determining whether the privacy rule prohibits submitting the purchase transaction request for processing in a country associated with the originating location identifier; and providing the purchase transaction request to a payment network server according to the determination of whether the privacy rule prohibits submitting the purchase transaction for processing in the country associated with the originating location identifier. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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22. A payment privacy tokenization processor-implemented method, comprising:
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obtaining in a memory, via a network communication device, a purchase transaction request including a payment token in lieu of payment information, and an originating location identifier for a geographical origin of the purchase transaction request; extracting, via a processor, the payment token included in the purchase transaction request; querying a database, using the extracted payment token, for a transaction processing privacy rule set associated with the payment token; obtaining in the memory, from the database, the transaction processing privacy rule set associated with the payment token; extracting, via the processor, a privacy rule from the obtained transaction processing privacy rule set; determining, via the processor, whether the privacy rule prohibits submitting the purchase transaction request for processing in a country associated with the originating location identifier; and providing, via the network communication device, the purchase transaction request to a payment network server according to the determination of whether the privacy rule prohibits submitting the purchase transaction for processing in the country associated with the originating location identifier. - View Dependent Claims (23, 24, 25, 26, 27, 28)
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Specification