TOKEN USED IN LIEU OF ACCOUNT IDENTIFIER

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United States of America Patent

APP PUB NO 20150161596A1
SERIAL NO

14562004

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A card transaction is processed at a merchant with a token in lieu of a card number (PAN) placed in an authorization message sent to a transaction processing system. The token is obtained from a tokenization service with alphanumeric characters that are not usable as the PAN in the event the merchant's system is breached. A transaction processing system receives the authorization message from the merchant and determines whether a token is present. If present, the transaction processing system requests a PAN from the tokenization service and replaces the token with the PAN.

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Patent Owner(s)

Patent OwnerAddress
ALLIANCE MESSAGING LIMITEDKILLORGLIN

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
McCarthy, Denis Killorglin, IE 7 31

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