# US 12,182,815 B2 · System and computer implemented method for generating and transmitting tokenized card information > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,182,815 B2 - Document ID: US12182815B2 - Status: Granted - Kind: B2 - Application number: 17/774,493 - Filed: 2019-11-13 - Published: 2022-11-24 - Granted: 2024-12-31 - Earliest claimed: 2019-11-13 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Kaushik Kumar Mahato; Prateek Narendra - Web page: https://patentgrep.com/patent/US12182815B2 ## CPC - G06Q 20/4014: {Identity check for transactions} - H04L 9/3226: {using a predetermined code, e.g. password, passphrase or PIN (network architectures or network communication protocols for supporting authentication of entities using passwords in a packet data network H04L63/083)} - G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"} - G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction} - H04L 9/0822: {using key encryption key} - H04L 2209/56: Financial cryptography, e.g. electronic payment or e-cash - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract The present disclosure relates to a method and a tokenization server for generating and transmitting tokenized card information to a token requestor. In some non-limiting embodiments or aspects, the method includes receiving, from the token requestor, a request for a token corresponding to a payment card. The token may include a plurality of characters. Further, the method includes generating a token key corresponding to the token based on location information associated with a plurality of files stored in a user device. Subsequently, the method includes transmitting the token key, including location information within the plurality of files in the user device, to the token requestor. Here, the location information may include a location embedded with a character of the plurality of characters of the token. Thus, the present disclosure provides a secure method of generating, storing, and transmitting the tokenized card information. ## Claims ### Claim 1 A computer-implemented method comprising: receiving, with at least one processor and from a token requestor, a request for a token corresponding to a payment card, wherein the token comprises a plurality of characters; encrypting, with at least one processor, a token key using an authentication pin before transmitting the token key to the token requestor; and transmitting, with at least one processor and to the token requestor, the token key corresponding to the token, wherein the token key is decrypted by the token requestor, using the authentication pin, for extracting the token corresponding to the payment card, wherein the token key comprises location information within a plurality of files in a user device, and wherein the location information comprises a location embedded with a character of the plurality of characters of the token. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein, in response to receiving a transaction initiation request or an authentication request from a user, the method further comprises generating, by the token requestor, the request. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein the request comprises information related to at least one of the following: a user of the payment card, the user device associated with the user, an authentication pin, or any combination thereof. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, wherein generating the token key for the token comprises: receiving, with at least one processor, the plurality of files from the user device; identifying, with at least one processor, one or more locations in the plurality of files with the plurality of characters of the token embedded; and generating, with at least one processor, the location information by associating the one or more identified locations with a corresponding plurality of characters of the token. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, further comprising generating, with at least one processor, a new token key at predetermined periodic intervals or upon detecting a change in the location information. ### Claim 6 (depends on 1) The computer-implemented method of claim 1, wherein the token is previously generated and stored in a tokenization server or generated by a tokenization server in real-time. ### Claim 7 A tokenization server comprising: at least one processor; and a memory, communicatively coupled to the at least one processor, wherein the memory stores processor-executable instructions, which, on execution, cause the processor to: receive, from a token requestor, a request for a token corresponding to a payment card, wherein the token comprises a plurality of characters; encrypt a token key using an authentication pin before transmitting the token key to the token requestor; and transmit, to the token requestor, the token key corresponding to the token, wherein the token key comprises location information within a plurality of files in a user device, and wherein the location information comprises a location embedded with a character of the plurality of characters of the token. ### Claim 8 (depends on 7) The tokenization server of claim 7, wherein the request is generated by the token requestor in response to receiving a transaction initiation request or an authentication request from a user. ### Claim 9 (depends on 7) The tokenization server of claim 7, wherein the request comprises information related to at least one of the following: a user of the payment card, the user device associated with the user, an authentication pin, or any combination thereof. ### Claim 10 (depends on 7) The tokenization server of claim 7, wherein the at least one processor generates the token key for the token by: receiving the plurality of files from the user device; identifying one or more locations in the plurality of files with the plurality of characters of the token embedded; and generating the location information by associating the one or more identified locations with corresponding plurality of characters of the token. ### Claim 11 (depends on 7) The tokenization server of claim 7, wherein the at least one processor generates a new token key at predetermined periodic intervals or upon detecting a change in the location information. ### Claim 12 A non-transitory computer-readable medium including instructions stored thereon that, when processed by at least one processor, cause the at least one processor to perform operations comprising: receiving, from a token requestor, a request for a token corresponding to a payment card, wherein the token comprises a plurality of characters; encrypting a token key using an authentication pin before transmitting the token key to the token requestor; and transmitting, to the token requestor, the token key corresponding to the token, wherein the token key is decrypted by the token requestor, using the authentication pin, for extracting the token corresponding to the payment card, wherein the token key comprises location information within a plurality of files in a user device, and wherein the location information comprises a location embedded with a character of the plurality of characters of the token. ### Claim 13 (depends on 12) The medium of claim 12, wherein the request is generated by the token requestor in response to receiving a transaction initiation request or an authentication request from a user, wherein the request comprises information related to at least one of the following: a user of the payment card, the user device associated with the user, an authentication pin, or any combination thereof. ### Claim 14 (depends on 12) The medium of claim 12, wherein the instructions cause the at least one processor to generate the token key for the token by: receiving the plurality of files from the user device; identifying one or more locations in the plurality of files with the plurality of characters of the token embedded; and generating the location information by associating the one or more identified locations with corresponding plurality of characters of the token. ### Claim 15 (depends on 12) The medium of claim 12, wherein the instructions cause the at least one processor to generate a new token key at predetermined periodic intervals or upon detecting a change in the location information. ### Claim 16 (depends on 12) The medium of claim 12, wherein the token is previously generated and stored in a tokenization server or generated by a tokenization server in real-time.