US 12,333,528 B2
Multi-network tokenization processing
Prasanna L. Narayan, San Ramon, CA (US); Glenn Powell, Fremont, CA (US); John Sheets, San Francisco, CA (US); Paul Tait, San Mateo, 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 May 1, 2023, as Appl. No. 18/310,374.
Application 18/310,374 is a continuation of application No. 16/591,403, filed on Oct. 2, 2019, granted, now 11,676,138.
Application 16/591,403 is a continuation of application No. 14/455,574, filed on Aug. 8, 2014, granted, now 10,496,986, issued on Dec. 3, 2019.
Claims priority of provisional application 61/935,036, filed on Feb. 3, 2014.
Claims priority of provisional application 61/906,858, filed on Nov. 20, 2013.
Claims priority of provisional application 61/863,863, filed on Aug. 8, 2013.
Prior Publication US 2023/0267455 A1, Aug. 24, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/20 (2012.01)
CPC G06Q 20/38215 (2013.01) [G06Q 20/20 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A system comprising:
a first payment network server computer;
a network token system; and
a token requestor computer comprising:
a first processor; and
a first non-transitory computer-readable storage medium comprising code executable by the first processor for implementing a method comprising:
receiving a token and transaction data for a transaction associated with an account;
generating an authorization request message for the transaction including the token and the transaction data, wherein the authorization request message further includes a token requestor identifier;
transmitting the authorization request message to the first payment network server computer associated with a first payment network;
the first payment network server computer comprising:
a second processor; and
a second non-transitory computer-readable storage medium comprising code executable by the second processor for:
identifying the network token system associated with the token based on a predetermined issuer identifier of the token by accessing a token mapping table comprising a plurality of network token systems and a plurality of predetermined issuer identifiers associated with the plurality of network token systems, the network token system being operated by a second payment network,
sending a token verification request message to the network token system of the second payment network, the token verification request message including the token and the transaction data; and
the network token system comprising:
a third processor; and
a third non-transitory computer-readable storage medium comprising code executable by the third processor for:
determining a primary account identifier associated with the token and validates the use of the token for the transaction, and
validating the use of the token for the transaction, including validating the use of the token requestor identifier based on merchant restrictions retrieved from a token registry database, wherein the merchant restrictions restrict the token to particular merchants;
the first payment network server computer further configured for:
receiving a token verification response message including the primary account identifier and a validation result from the network token system of the second payment network, and
sending a modified authorization request message including the primary account identifier, the validation result, and the transaction data to an issuer of the account; and
the token requestor computer further configured for:
receiving an authorization response message including an authorization decision for the transaction, wherein the authorization decision is based on the modified authorization request message.