Systems and methods for substitute low-value tokens in secure network transactions
AssigneeWorldpay, LLC
InventorStefan K. Karaivanov
Life of this patent
Estimating the term…
Abstract
Methods and systems are disclosed for enabling the creation of substitute low-value token creation, comprising providing software content to a content delivery network wherein, when transmitted to a user browser, the software content is configured to enable the user browser to create a substitute low-value token if a token service is unavailable, wherein the content delivery network is configured to provide the software content to at least one user browser, and receiving the substitute low-value token from a merchant system, the substitute low-value token having been generated by the user browser in response to the user browser being unable to obtain a low-value token from the token service.
Claims20
A computer-implemented method of generating a substitute low-value token, comprising:
- receiving, by a user device, a first portion of software code from a content delivery network;
- receiving, by a user browser of the user device, information associated with an electronic transaction;
- determining, by the user browser of the user device, that a tokenization service is unavailable;
- receiving, by the user device, a second portion of the software code from the content delivery network, based on determining that the tokenization service is unavailable;
- generating, by the user browser of the user device, a substitute low-value token using the first portion of the software code and the second portion of the software code;
- and
- transmitting, by the user browser of the user device, the substitute low-value token to a merchant system.
A system for generating a substitute low-value token, the system comprising:
- a data storage device storing computer-executable instructions that, when executed by at least one processor, causes the at least one processor to perform operations of:
- receiving, by a user device, a first portion of software code from a content delivery network;
- receiving, by a user browser of the user device, information associated with an electronic transaction;
- determining, by the user browser of the user device, that a tokenization service is unavailable;
- receiving, by the user device, a second portion of software code from the content delivery network, based on determining that the tokenization service is unavailable;
- generating, by the user browser of the user device, the substitute low-value token using the first portion of the software code and the second portion of the software code;
- and
- transmitting, by the user browser of the user device, the substitute low-value token to a merchant system.
A non-transitory computer-readable medium storing computer-executable instructions that, when executed by at least one processor, cause the at least one processor to perform operations for generating a substitute low-value token, the operations comprising:
- receiving, by a user device, a first portion of software code from a first content delivery network;
- receiving, by a user browser of the user device, information associated with an electronic transaction;
- determining, by the user browser of the user device, that a tokenization service is unavailable;
- receiving, by the user device, a second portion of the software code from a second content delivery network, based on determining that the tokenization service is unavailable;
- generating, by the user browser of the user device, the substitute low-value token using the first portion of the software code and the second portion of the software code;
- and
- transmitting, by the user browser of the user device, the substitute low-value token to a merchant system.
Dependencies are inferred from the claim text.