US 11,842,328 B2
Systems and methods for provisioning a token to a token storage device
Shawn Mehrhoff, Saint Ann, MO (US); and Christopher T. Scholl, Saint Peter's, MO (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Oct. 24, 2019, as Appl. No. 16/662,968.
Prior Publication US 2021/0125164 A1, Apr. 29, 2021
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/36 (2012.01); G06Q 20/10 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06F 16/25 (2019.01)
CPC G06Q 20/20 (2013.01) [G06F 16/252 (2019.01); G06Q 20/105 (2013.01); G06Q 20/341 (2013.01); G06Q 20/352 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/385 (2013.01); G06Q 20/40 (2013.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A token management computing system for provisioning a secure payment token to a token storage device for a payment transaction, the token management computing system comprising a token management (“TM”) server, wherein the token storage device is controlled by a user and comprises a physical device shaped like a payment card and including an embedded EMV microchip, the embedded EMV microchip configured to communicate the payment token to a merchant point-of-sale terminal, the TM server comprising:
a memory device for storing data; and
at least one processor communicatively coupled to the memory device, the at least one processor programmed to:
receive, from an application executing on a user computing device separate from the token storage device, a token request for a single-use payment token, the token request including (i) a payment account number (PAN) selected from a digital wallet stored on the user computing device, (ii) at least one token control, wherein the at least one token control includes an amount of value associated with the token request and one or more allowed merchant categories, and (iii) at least one of a device identifier associated with the user computing device or a user identifier registered with the application;
generate, upon receiving the token request, the single-use payment token;
store token information in a database, wherein the token information links the generated single-use payment token, the PAN, the at least one token control, and a user profile including the at least one of the device identifier or the user identifier; and
transmit, in response to the token request, a token response message to the application executing on the user computing device, wherein the token response message includes (i) the generated single-use payment token and (ii) instructions that cause the application executing on the user computing device to automatically transfer the generated single-use payment token to the embedded EMV microchip of the token storage device for use at a physical merchant location by dipping the token storage device in a chip reader slot of the merchant point-of-sale terminal where the embedded EMV microchip is configured to transfer the generated single-use payment token from the token storage device to the chip reader of the merchant point-of-sale terminal, wherein the transfer of the generated single-use token is performed wirelessly, and wherein the token storage device does not include a magnetic stripe with user information.