| CPC G06Q 20/341 (2013.01) [G06Q 20/4018 (2013.01); H04L 9/3213 (2013.01); G06Q 2220/00 (2013.01); H04L 2209/56 (2013.01)] | 10 Claims |
|
1. A method for tokenization of information associated with a payment card, the method being implemented using a server, a user electronic device communicating with the server, the payment card that belongs to a user and that stores information associated with the payment card, and an electronic card that belongs to the user and that includes a microchip for storing information, the method comprising:
a) generating, by the user electronic device, a registration request associated with the payment card, the registration request including at least a primary account number (PAN) of the payment card, and a device manufacturer identifier that is associated with a manufacturer of the user electronic device;
b) in response to receipt of the registration request sent from the user electronic device, extracting, by the server, the PAN of the payment card included in the registration request, and identifying, by the server, an issuer bank that issued the payment card;
c) sending, by the server, a request to an issuer server that is associated with the issuer bank, the request being to request for a secure element (SE) package, the SE package being generated by the issuer server and including a payment token, a payment-token-key and a card security code (CSC) of the payment card, the payment token being a surrogate value of the PAN, the payment-token-key including at least one encrypted string, each of said at least one encrypted strings containing information related to one of the user, the payment card and the user electronic device, wherein the request includes the device manufacturer identifier;
d) in response to receipt of the SE package from the issuer server, transmitting, by the server, the SE package to the user electronic device; and
e) by the user electronic device, establishing communication with the electronic card, and transmitting the SE package to the electronic card to be stored in the microchip of the electronic card,
wherein the user electronic device and the electronic card stored with the SE package are configured to initiate a payment process, with the electronic card substituting for the role of the payment card, and the payment token serving as the PAN to be used in the payment process;
wherein the electronic card is a chip-based citizenship card;
wherein the payment process includes:
f1) performing, by the user electronic device, an authentication process to authenticate a user of the user electronic device;
f2) after the user of the user electronic device has been authenticated, operating the user electronic device that communicates with the electronic card to communicate with a payment terminal, so as to transmit the payment token and a dynamic CSC to the payment terminal, the dynamic CSC being a number generated from the CSC;
f3) by the payment terminal, initiating a verification procedure for verifying the payment token and the dynamic CSC via a payment network; and
f4) after the payment token and the dynamic CSC have been verified, transmitting, by the payment terminal to the user electronic device, a message indicating that the payment has been authorized.
|