Invention Grant
- Patent Title: Multi-token provisioning, online purchase transaction processing, and card life cycle management systems and methods
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Application No.: US16396323Application Date: 2019-04-26
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Publication No.: US11544706B2Publication Date: 2023-01-03
- Inventor: Bryan L. Manka , George Danforth
- Applicant: Discover Financial Services
- Applicant Address: US IL Riverwoods
- Assignee: Discover Financial Services
- Current Assignee: Discover Financial Services
- Current Assignee Address: US IL Riverwoods
- Agency: Lee Sullivan Shea & Smith LLP
- Main IPC: G06Q20/38
- IPC: G06Q20/38 ; G06Q20/26 ; G06Q20/40 ; H04L9/40

Abstract:
Systems, methods, and software are disclosed for provisioning tokens in a networked computing environment including merchants participating in payment networks. The method includes receiving, by a merchant processor, card account data of a purchase card from a cardholder. The method includes determining, by the merchant processor, that the card account data includes a multi-token enabled BIN. The method includes, in response to determining that the card account data includes the multi-token enabled BIN, receiving and storing, by the merchant processor and in a memory of the merchant, respectively, a primary token associated with a front-of-card brand of the purchase card. The method includes, in response to receiving the primary token, transmitting, by the merchant processor, a request for a secondary token. The method includes receiving and storing, by the merchant processor and in the merchant memory, respectively, the secondary token simultaneously with storing the primary token.
Public/Granted literature
Information query