MULTI-TOKEN PROVISIONING, ONLINE PURCHASE TRANSACTION PROCESSING, AND CARD LIFE CYCLE MANAGEMENT SYSTEMS AND METHODS
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United States of America Patent
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Issued Date -
Sep 26, 2024
app pub date -
May 31, 2024
filing date -
Apr 26, 2019
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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.
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