Systems and methods for payment authorization utilizing a universal token

A system of authorizing a payment transaction, comprising:

• a payment device configured to capture an account number from a customer card or a customer device, wherein the account number is one of a primary account number (PAN) or one or more device primary account numbers (DPANs) associated with a payment account reference (PAR), and wherein each of the one or more DPANs correspond to the PAN;
• a provider gateway configured to receive, via a merchant server, a universal token and a payment authorization request, wherein the universal token corresponds to a plurality of network tokens, wherein each of the plurality of network tokens corresponds to the PAN or the one or more DPANs previously associated with the PAR;
• a universal token vault configured to:
• receive, via the provider gateway, the universal token;
• and
• retrieve, a network token of the plurality of network tokens corresponding to the universal token, wherein the network token corresponds to the account number;
• provide the network token to the provider gateway;
• an acquirer in communication with a payment network, the acquirer configured to:
• receive, via the provider gateway, the network token and the payment authorization request;
• generate a payment authorization response based on the network token and the payment authorization request;
• and
• provide, via the provider gateway, the payment authorization response to the merchant server.

A provider gateway communicatively coupled to a payment device and a universal token vault, wherein the payment device is configured to capture the account number from a customer card or a customer device, wherein the account number is one of a primary account number (PAN) or one or more device primary account numbers (DPANs) associated with a payment account reference (PAR), and wherein each of the one or more DPANs correspond to the PAN, the provider gateway configured to:

• receive a payment processing request from the payment device, wherein the payment processing request comprises a tokenization request and an account number associated with a user making the payment processing request;
• provide the account number and the tokenization request to a payment network;
• receive, via the payment network, a network token based on the account number and the PAR corresponding to the account number;
• provide the network token and the PAR to the universal token vault;
• receive, via the universal token vault, a universal token, wherein the universal token associates the network token with the PAR in addition to one or more other network tokens previously associated with the PAR, wherein each of the one or more other network tokens correspond to the PAN or the one or more DPANs;
• and
• provide the universal token to a merchant server.