Multiple tokenization for authentication
AssigneeVisa International Service Association
InventorAyman Hammad
Life of this patent
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Abstract
Embodiments of the present invention are directed generally to systems, methods, and apparatuses for authenticating a cardholder using multiple tokenization authentication. Embodiments of the invention are directed at a method. The method includes receiving at a first entity a first token from a consumer and determining a second token associated with the first token. Once the second token is determined, the second token is sent to a server computer at a second entity. The server computer then determines an account identifier associated with the second token and processes a transaction using the account identifier.
Claims25
A method comprising:
- receiving at a first entity a first token from a consumer;
- determining a second token associated with the first token;
- and
- sending the second token to a server computer at a second entity, wherein the server computer determines an account identifier associated with the second token and processes a transaction using the account identifier.
An apparatus comprising:
- a processor and a non-transitory computer-readable storage medium coupled to the processor, the computer-readable storage medium comprising code executable by the processor for implementing a method comprising:
- receiving a first token from a consumer;
- determining a second token associated with the first token;
- and
- sending the second token to a server computer at a second entity, wherein the server computer determines an account identifier associated with the second token and processes a transaction using the account identifier.
A method comprising:
- receiving a second token at a second entity from a first entity, wherein the second token is associated with a first token that is received by the first entity from a consumer;
- determining an account identifier associated with the second token;
- processing a transaction using the account identifier.
An apparatus comprising:
- a processor and a non-transitory computer-readable storage medium coupled to the processor, the computer-readable storage medium comprising code executable by the processor for implementing a method comprising:
- receiving a second token from a first entity, wherein the second token is associated with a first token that is received by the first entity from a consumer;
- determining an account identifier associated with the second token, and
- processing a transaction using the account identifier.
Dependencies are inferred from the claim text.