US 2013/0212019 A1 · TOKENIZATION OF PAYMENT INFORMATION IN MOBILE ENVIRONMENTS

Abstract

Data can be protected in mobile and payment environments through various tokenization operations. A mobile device can tokenize communication data based on device information and session information associated with the mobile device. A payment terminal can tokenize payment information received at the payment terminal during a transaction based on transaction information associated with the transaction. Payment data tokenized first a first set of token tables and according to a first set of tokenization parameters by a first payment entity can be detokenized or re-tokenized with a second set of token tables and according to a second set of tokenization parameters. Payment information can be tokenized and sent to a mobile device as a token card based on one or more selected use rules, and a user can request a transaction based on the token card. The transaction can be authorized if the transaction satisfies the selected use rules.

Claims20

Dependent claims

A method for processing payment information, comprising:

receiving, at a central security system, payment information and a use rule selection specifying one or more use rules, wherein the central security system is configured to:
identify a token table associated with the selected use rules;
tokenize the payment information using the identified token table to generate a token card;
and
transmit the token card to a mobile device;
receiving, at the mobile device, the token card from the central security system;
receiving, at the mobile device, a request to use the token card in a transaction;
transmitting, by the mobile device, the token card to a central payment system, wherein the central payment system is configured to:
identify the token table used to generate the token card;
identify the use rules associated with the identified token table;
determine if the identified use rules are satisfied by the transaction;
responsive to a determination that the use rules are satisfied by the transaction, detokenize the token card using the identified token table;
and
transmit the detokenized token card to a payment network associated with the transaction and communicatively coupled to the central payment system.

11 more elements

Dependencies are inferred from the claim text.

Tokenization of payment information in mobile environments

Life of this patent

Tokenization of payment information in mobile environments

Life of this patent

Abstract

Claims20