TOKENIZATION OF PAYMENT INFORMATION IN MOBILE ENVIRONMENTS
First Claim
1. A method for processing payment information, comprising:
- receiving, at a central security system, payment information and a use rule selection specifying one or more use rules, wherein the central security system is configured to;
identify a token table associated with the selected use rules;
tokenize the payment information using the identified token table to generate a token card; and
transmit the token card to a mobile device;
receiving, at the mobile device, the token card from the central security system;
receiving, at the mobile device, a request to use the token card in a transaction;
transmitting, by the mobile device, the token card to a central payment system, wherein the central payment system is configured to;
identify the token table used to generate the token card;
identify the use rules associated with the identified token table;
determine if the identified use rules are satisfied by the transaction;
responsive to a determination that the use rules are satisfied by the transaction, detokenize the token card using the identified token table; and
transmit the detokenized token card to a payment network associated with the transaction and communicatively coupled to the central payment system.
1 Assignment
0 Petitions
Accused Products
Abstract
Data can be protected in mobile and payment environments through various tokenization operations. A mobile device can tokenize communication data based on device information and session information associated with the mobile device. A payment terminal can tokenize payment information received at the payment terminal during a transaction based on transaction information associated with the transaction. Payment data tokenized first a first set of token tables and according to a first set of tokenization parameters by a first payment entity can be detokenized or re-tokenized with a second set of token tables and according to a second set of tokenization parameters. Payment information can be tokenized and sent to a mobile device as a token card based on one or more selected use rules, and a user can request a transaction based on the token card. The transaction can be authorized if the transaction satisfies the selected use rules.
248 Citations
20 Claims
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1. A method for processing payment information, comprising:
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receiving, at a central security system, payment information and a use rule selection specifying one or more use rules, wherein the central security system is configured to; identify a token table associated with the selected use rules; tokenize the payment information using the identified token table to generate a token card; and transmit the token card to a mobile device; receiving, at the mobile device, the token card from the central security system; receiving, at the mobile device, a request to use the token card in a transaction; transmitting, by the mobile device, the token card to a central payment system, wherein the central payment system is configured to; identify the token table used to generate the token card; identify the use rules associated with the identified token table; determine if the identified use rules are satisfied by the transaction; responsive to a determination that the use rules are satisfied by the transaction, detokenize the token card using the identified token table; and transmit the detokenized token card to a payment network associated with the transaction and communicatively coupled to the central payment system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A mobile device for providing payment information, configured to:
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receive, from a central security system, one or more token cards, each token card associated with a set of payment information, and generated based on an associated set of use rules, the use rules specifying one or more transaction restrictions configured to restrict use of the token card in a transaction; receive a request from a user of the mobile device to perform a transaction; receiving from the user a selection of a token card stored at the mobile device; transmit the selected token card to a central payment system configured to; identify the use rules associated with the selected token card; determine if the identified use rules are satisfied by the transaction; responsive to a determination that the use rules are satisfied by the transaction, detokenize the token card; and transmit the detokenized token card to a payment network associated with the transaction and communicatively coupled to the central payment system.
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20. A method for processing payment information, comprising:
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receiving, at a mobile device, a request to perform a transaction; receiving, at the mobile device, a selection of a token card, the token card comprising payment information tokenized based on a set of use rules restricting the use of the token card in transactions; transmitting, by the mobile device, the token card to a central payment system configured to detokenize the token card and transmit the payment information to a payment network associated with the transaction in response to the set of use rules being satisfied by the transaction.
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Specification