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US 12,112,316 B2Granted
Tokenization request via access device
AssigneeVisa International Service Association
InventorJames Dimmick
Life of this patent
Estimating the term…
Abstract
Embodiments of the invention are directed to a method for submitting a tokenization request via an access device. Embodiments allow tokens to be retrieved for complex mobile devices as well as basic card-type devices. Token requests can be formatted as authorization request messages and transmitted along authorization communication channels.
Claims20
A method comprising:
- receiving, by a first computer, a credential for a transaction;
- sending, by the first computer, a token request message including the credential to a token provider computer via a transport computer, a transaction processing computer, and an authorizing entity computer;
- receiving, at the first computer, a token response message including a token from the token provider computer via the transport computer, the transaction processing computer, and the authorizing entity computer, wherein the token is associated with the credential;
- generating, by the first computer, an authorization request message comprising the token and an amount for the transaction;
- submitting, by the first computer, the authorization request message including the token and the amount to the authorizing entity computer via the transport computer and the transaction processing computer for the transaction, wherein the token request message and the authorization request message are in the same format;
- and
- in response to submitting the authorization request message, receiving, by the first computer, from the authorizing entity computer via the transport computer and the transaction processing computer, an authorization response message including an authorization result for the transaction.
4 more elements
A system comprising:
- a first computer comprising:
- a first processor;
- and
- a first non-transitory computer readable medium, storing executable instructions that, when executed, cause the first processor to perform the steps of:
- receiving a credential for a transaction;
- sending a token request message including the credential to a token provider computer via a transport computer, a transaction processing computer, and an authorizing entity computer;
- receiving a token response message including a token from the token provider computer via the transport computer, the transaction processing computer, and the authorizing entity computer, wherein the token is associated with the credential;
- generating an authorization request message comprising the token and an amount for the transaction;
- submitting the authorization request message including the token and the amount to the authorizing entity computer via the transport computer and the transaction processing computer for the transaction, wherein the token request message and the authorization request message are in the same format;
- and
- in response to submitting the authorization request message, receiving from the authorizing entity computer via the transport computer and the transaction processing computer, an authorization response message including an authorization result for the transaction.
8 more elements
Dependencies are inferred from the claim text.