Behavior based allocation of payment tokens

A method comprising:

• programing, by a campaign director (CD) system associated with a financial institution, a token generation engine of a campaign manager (CM) unit executed on one or more processors of a mobile device to generate tokens for payment transactions using at least one of a complexity of algorithm or a level of encryption based on a level of risk indicated by a financial behavior history associated with a credit card account at the financial institution;
• receiving, by the CD system and from the token generation engine of the CM unit of the mobile device, a token generated for a payment transaction initiated by a credit card of the credit card account with a merchant in accordance with the least one of the complexity of algorithm or the level of encryption, wherein the token comprises a static identifier for the credit card account, a random identifier generated by the CM unit of the mobile device for the payment transaction, and preemptive information for the payment transaction;
• receiving, by the CD system and from the merchant, merchant data associated with the payment transaction;
• comparing, by the CD system, the preemptive information of the token generated for the payment transaction and actual payment transaction information included in the merchant data associated with the payment transaction;
• determining, by the CD system, whether to activate the payment transaction based on the comparison of the token generated for the payment transaction and the merchant data associated with the payment transaction;
• sending, by the CD system to at least one of the CM unit of the mobile device or the merchant, a message indicating whether the payment transaction is activated;
• determining, by the CD system, whether to shut down the CM unit based on one of the payment transaction being activated or occurrence of an error or an exception at the CM unit;
• and
• based on a determination to shut down the CM unit, sending, by the CD system to the CM unit of the mobile device, instructions to shut down the CM unit.

A non-transitory computer readable medium storing instructions that, when executed, cause one or more processors of a campaign director (CD) system associated with a financial institution to:

• program a token generation engine of a campaign manager (CM) unit executed on one or more processors of a mobile device to generate tokens for payment transactions using at least one of a complexity of algorithm or a level of encryption based on a level of risk indicated by a financial behavior history associated with a credit card account at the financial institution;
• receive, from the token generation engine of the CM unit of the mobile device, a token generated for a payment transaction initiated by a credit card of the credit card account with a merchant in accordance with the least one of the complexity of algorithm or the level of encryption, wherein the token comprises a static identifier for the credit card account, a random identifier generated by the CM unit of the mobile device for the payment transaction, and preemptive information for the payment transaction;
• receive, from the merchant, merchant data associated with the payment transaction;
• compare the preemptive information of the token generated for the payment transaction and actual payment transaction information included in the merchant data associated with the payment transaction;
• determine whether to activate the payment transaction based on the comparison of the token generated for the payment transaction and the merchant data associated with the payment transaction;
• send, to at least one of the CM unit of the mobile device or the merchant, a message indicating whether the payment transaction is activated;
• determine whether to shut down the CM unit based on one of the payment transaction being activated or occurrence of an error or an exception at the CM unit;
• and
• based on a determination to shut down the CM unit, send, to the CM unit of the mobile device, instructions to shut down the CM unit.