US 11,108,778 B2 · Systems and methods for third-party interoperability in secure network transactions using tokenized data

Abstract

Embodiments include methods and systems for enabling third-party data service interoperability, comprising receiving, from an electronic data server, a request for a low-value token, the low-value token being associated with a subset of sensitive data associated with a user; providing the low-value token to the electronic data server; receiving a request for the subset of sensitive data, from a third-party data service server, the request comprising the low-value token; de-tokenizing the low-value token to obtain the subset of sensitive data; providing the subset of sensitive data to the third-party data service server; receiving, from an electronic data server, the low-value token and a transaction authorization request; determining, based on the low-value token and authorization request, an authorization response; and providing the authorization response to the electronic data server.

Claims20

Dependent claims

A method for maintaining electronic transaction data security with a third-party service, comprising:

receiving, by a transaction processor server from a user browser, sensitive data of a user and a request for a low-value token;
generating, by the transaction processor server, the low-value token by tokenizing the sensitive data of the user, the low-value token being a limited-use token configured to obtain a subset of the sensitive data of the user;
providing, by the transaction processor server to the user browser, the low-value token;
receiving, by the transaction processor server from a third-party service server at a first time, the low-value token, the low-value token having been transmitted from the user browser to the third-party service server;
determining, by the transaction processor server, the subset of the sensitive data of the user based on detokenizing the low-value token;
and
providing, by the transaction processor server to the third-party service server, the subset of the sensitive data of the user.

4 more elements

A system for maintaining electronic transaction data security with a third-party service, the system comprising:

a data storage device storing instructions;
and
one or more processors configured to execute the instructions to perform a method comprising:
receiving, by a transaction processor server from a user browser, sensitive data of a user and a request for a low-value token;
generating, by the transaction processor server, the low-value token by tokenizing the sensitive data of the user, the low-value token being a limited-use token configured to obtain a subset of the sensitive data of the user;
providing, by the transaction processor server to the user browser, the low-value token;
receiving, by the transaction processor server from a third-party service server at a first time, the low-value token, the low-value token having been transmitted from the user browser to the third-party service server;
determining, by the transaction processor server, the subset of the sensitive data of the user based on detokenizing the low-value token;
and
providing, by the transaction processor server to the third-party service server, the subset of the sensitive data of the user.

7 more elements

A non-transitory computer-readable medium storing instructions that, when executed by a transaction processor server, cause the transaction processor server to perform a method for maintaining electronic transaction data security with a third-party service, the method comprising:

receiving, by the transaction processor server from a user browser, sensitive data of a user and a request for a low-value token;
generating, by the transaction processor server, the low-value token by tokenizing the sensitive data of the user, the low-value token being a limited-use token configured to obtain a subset of the sensitive data of the user;
providing, by the transaction processor server to the user browser, the low-value token;
receiving, by the transaction processor server from a third-party service server at a first time, the low-value token, the low-value token having been transmitted from the user browser to the third-party service server;
determining, by the transaction processor server, the subset of the sensitive data of the user based on detokenizing the low-value token;
and
providing, by the transaction processor server to the third-party service server, the subset of the sensitive data of the user.

4 more elements

Dependencies are inferred from the claim text.

Systems and methods for third-party interoperability in secure network transactions using tokenized data

Life of this patent

Systems and methods for third-party interoperability in secure network transactions using tokenized data

Life of this patent

Abstract

Claims20