US 11,915,235 B2
Systems and methods for communicating token attributes associated with a token vault
Matthew Dill, St. Helena, CA (US); Prasanna L. Narayan, San Ramon, CA (US); Glenn Powell, Fremont, CA (US); John Sheets, San Francisco, CA (US); and Andrew Carpenter, Belmont, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Sep. 14, 2020, as Appl. No. 17/020,472.
Application 17/020,472 is a continuation of application No. 15/974,599, filed on May 8, 2018, granted, now 11,093,936.
Application 15/974,599 is a continuation of application No. 14/340,464, filed on Jul. 24, 2014, granted, now 9,996,835, issued on Jun. 12, 2018.
Claims priority of provisional application 61/935,036, filed on Feb. 3, 2014.
Claims priority of provisional application 61/863,863, filed on Aug. 8, 2013.
Claims priority of provisional application 61/858,087, filed on Jul. 24, 2013.
Prior Publication US 2020/0410483 A1, Dec. 31, 2020
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); H04L 9/32 (2006.01)
CPC G06Q 20/385 (2013.01) [G06Q 20/40 (2013.01); G06Q 20/4016 (2013.01); H04L 9/32 (2013.01); H04L 2209/42 (2013.01); H04L 2209/56 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
assigning, by a token processing server computer, a payment token issuer identifier to an issuer, wherein the payment token issuer identifier is static for the issuer for all accounts issued by the issuer;
storing, by the token processing server computer, a correspondence between the payment token issuer identifier, the issuer and a publicly available real identification number of the issuer at a restricted-access database;
generating, by the token processing server computer, a payment token corresponding to an account identifier issued by the issuer, the payment token comprising the payment token issuer identifier of the issuer that replaces and obfuscates the publicly available real identification number of the issuer, wherein all payment tokens generated for accounts issued by the issuer include same payment token issuer identifier;
transmitting, by the token processing server computer, the payment token to a token requestor via a token requestor communication interface provided by the token processing server computer, wherein the token requestor is authorized to receive the payment token through the token requestor communication interface;
receiving, by a transaction processing server computer, an authorization request message comprising the payment token, wherein the authorization request message is associated with a transaction;
processing, by the transaction processing server computer, the transaction, the processing includes:
determining, by the transaction processing server computer, a real account identifier associated with the payment token;
generating, by the transaction processing server computer, a modified authorization request message comprising the real account identifier;
accessing, by the transaction processing server computer, the restricted-access database, wherein the transaction processing server computer has permission to access the restricted-access database;
identifying, by the transaction processing server computer, the issuer identified by the payment token issuer identifier at the restricted-access database;
identifying, by the transaction processing server computer, an issuer communication interface provided by the token processing server computer; and
transmitting, by the transaction processing server computer via the issuer communication interface, the modified authorization request message to the issuer identified by the payment token issuer identifier, wherein the issuer is authorized to obtain the real account identifier through the issuer communication interface.