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PAYMENT PRIVACY TOKENIZATION APPARATUSES, METHODS AND SYSTEMS

  • US 20120316992A1
  • Filed: 06/07/2012
  • Published: 12/13/2012
  • Est. Priority Date: 06/07/2011
  • Status: Abandoned Application
First Claim
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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.

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