Multi-token provisioning, online purchase transaction processing, and card life cycle management systems and methods

A networked computing environment for securely processing online purchase transactions using tokens, the networked computing environment comprising:

• a first computing system operated by a first token service provider (TSP) associated with a first payment network;
• a second computing system operated by a second token service provider (TSP) associated with a second payment network that differs from the first payment network;
• a third computing system operated on behalf of an online merchant;
• a fourth computing system operated on behalf of a cardholder of a purchase card having an associated primary account number (PAN);
• and
• a fifth computing system operated on behalf of an issuer of the purchase card;
• wherein the first, second, third, fourth, and fifth computing systems are networked together via one or more data networks;
• wherein the first computing system comprises one or more processors and one or more non-transitory computer-readable mediums having program instructions stored thereon that, when executed by the one or more processors, cause the first computing system to:
• receive, from the third computing system, a request for a first token for the purchase card that is available for use in place of the PAN when processing online purchase transactions involving the purchase card via the first payment network;
• in response to the request for the first token, (i) generate the first token for the purchase card and (ii) transmit the first token to the third computing system;
• receive, from the fifth computing system, a notification that an account associated with the purchase card has been suspended or closed;
• and
• in response to receiving the notification, transmit a first life cycle management (LCM) message to the third computing system that instructs the third computing system to suspend or delete the first token;
• wherein the second computing system comprises one or more processors and one or more non-transitory computer-readable mediums having program instructions stored thereon that, when executed by the one or more processors, cause the second computing system to:
• receive, from the third computing system, a request for a second token for the purchase card that is available for use in place of the PAN when processing online purchase transactions involving the purchase card via the second payment network;
• in response to the request for the second token, (i) generate the second token for the purchase card and (ii) transmit the second token to the third computing system;
• receive, from the third computing system, an authorization request for a given online purchase transaction that includes the second token;
• detokenize the second token;
• based on detokenizing the second token, generate a rebuilt authorization request for the given online purchase transaction;
• transmit the rebuilt authorization request to the fifth computing system;
• receive, from the third computing system, a second LCM message comprising a request to suspend or delete the second token;
• and
• in response to receiving the second LCM message, (i) process the second LCM message and (ii) transmit a third LCM message to the third computing system that instructs the third computing system to suspend or delete the second token;
• wherein the third computing system comprises one or more processors and one or more non-transitory computer-readable mediums having program instructions stored thereon that, when executed by the one or more processors, cause the third computing system to:
• obtain the first and second tokens for the purchase card by:
• receiving, from the fourth computing system, card account data for the purchase card that is to be utilized by the online merchant for future online purchase transactions, wherein the card account data includes the PAN of the purchase card;
• based on the received card account data, transmitting (i) the request for the first token to the first computing system and (ii) the request for the second token to the second computing system;
• receiving the first token for the purchase card from the first computing system and storing the received first token in the one or more non-transitory computer-readable mediums of the third computing system;
• and
• receiving the second token for the purchase card from the second computing system and storing the received second token in the one or more non-transitory computer-readable mediums of the third computing system;
• process the given online purchase transaction involving the purchase card by:
• receiving a request to initiate the given online purchase transaction involving the purchase card;
• based on network routing preferences, (i) determining that the given online purchase transaction is to be routed to the second payment network rather than the first payment network and (ii) selecting the second token to use for the given online purchase transaction;
• and
• transmitting, to the second computing system, the authorization request for the given online purchase transaction that includes the second token;
• and
• manage a lifecycle of the first and second tokens in a synchronized manner by:
• receiving the first LCM message from the first computing system that was transmitted in response to the notification that the account associated with the purchase card has been suspended or closed and instructs the third computing system to suspend or delete the first token;
• in response to receiving the first LCM message, suspending or deleting the first token for the purchase card;
• in response to suspending or deleting the first token for the purchase card, transmitting the second LCM message comprising the request to suspend or delete the second token to the second computing system;
• receiving the third LCM message from the second computing system that instructs the third computing system to suspend or delete the second token;
• and
• in response to receiving the third LCM message, suspending or deleting the second token for the purchase card;
• wherein the fourth computing system comprises one or more processors and one or more non-transitory computer-readable mediums having program instructions stored thereon that, when executed by the one or more processors, cause the fourth computing system to:
• receive, from the cardholder, the card account data of the purchase card;
• and
• transmit the card account data of the purchase card to the third computing system;
• and
• wherein the fifth computing system comprises one or more processors and one or more non-transitory computer-readable mediums having program instructions stored thereon that, when executed by the one or more processors, cause the fifth computing system to:
• receive and process the rebuilt authorization request that is transmitted by the second computing system;
• suspend or close the cardholder's account associated with the purchase card;
• and
• transmit, to the first computing system, the notification that the account associated with the purchase card has been suspended or closed.