Bin-conserving tokenization techniques generating tokens in reverse order and employing common device pan with differing pan sequence number values across token instances

A non-transitory computer readable medium comprising computer executable instructions which when executed by a computer cause the computer to perform the method of:

• generating a payment token, said payment token being generated within a token bank identification number (BIN) range;
• linking said payment token with an underlying account number of a consumer;
• making a first instance of said token available in at least one of a first portable electronic device, a first mobile payment application (MPA), and a first web wallet of said consumer with an associated first primary account sequence number (PSN);
• and
• making a second instance of said token available in at least one of a second portable electronic device, a second mobile payment application (MPA), and a second web wallet of said consumer with an associated second primary account sequence number (PSN).

An apparatus comprising:

• a memory;
• and
• at least one processor, coupled to said memory, and operative to:
• generate a payment token, said payment token being generated within a token bank identification number (BIN) range;
• link said payment token with an underlying account number of a consumer;
• make a first instance of said token available in at least one of a first portable electronic device, a first mobile payment application (MPA), and a first web wallet of said consumer with an associated first primary account sequence number (PSN);
• and
• make a second instance of said token available in at least one of a second portable electronic device, a second mobile payment application (MPA), and a second web wallet of said consumer with an associated second primary account sequence number (PSN).