# US 2021/0279718 A1 · Systems and methods for card tokenization via api

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- Number: US 2021/0279718 A1
- Document ID: US20210279718A1
- Status: Published application
- Kind: A1
- Application number: 16/809,103
- Filed: 2020-03-04
- Published: 2021-09-09
- Earliest claimed: 2020-03-04
- Assignees: JPMorgan Chase Bank, N.A.
- Applicants: Jpmorgan Chase Bank, N.A.
- Inventors: Navneet K. KANG; John D. MOORE
- Web page: https://patentgrep.com/patent/US20210279718A1

## CPC

- G06Q 20/354: {Card activation or deactivation}
- G06Q 10/10: Office automation; Time management
- G06Q 20/321: {using wearable devices}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/3265: {characterised by personalisation for use}
- G06Q 20/363: {with the personal data of a user}
- G06Q 20/3672: {initialising or reloading thereof}
- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/401: {Transaction verification}
- G06Q 20/403: {Solvency checks}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Systems and methods for card tokenization via API are disclosed. In one embodiment, in a financial institution backend comprising at least one computer processor, a method for card provisioning is provided using a digital enablement service via API may include: (1) receiving, from a digital enablement service and using a first API, a provisioning request from a digital wallet executed by an electronic device, the provisioning request identifying an account for tokenizing; (2) decisioning the provisioning request; (3) communicating the decision to the digital enablement service using a second API; (4) receiving, from the digital enablement service via a third API, a token; and (5) updating a cardholder provide with provisioned status for the token.

## Claims

### Claim 1

A method for card provisioning is provided using a digital enablement service via API, comprising:
in a financial institution backend comprising at least one computer processor:
receiving, from a digital enablement service and using a first API, a provisioning request from a digital wallet executed by an electronic device, the provisioning request identifying an account for tokenizing;
decisioning the provisioning request;
communicating the decision to the digital enablement service using a second API;
receiving, from the digital enablement service via a third API, a token; and
updating a cardholder provide with provisioned status for the token.

### Claim 2 (depends on 1)

The method of claim 1, further comprising:
receiving, from the digital enablement service using a fourth API and the third-party wallet provider, a token activation notice to the financial institution.

### Claim 3 (depends on 1)

The method of claim 1, further comprising:
communicating, to digital wallet via the digital enablement service and using a third, terms and conditions; and
receiving acceptance of the terms and conditions from the DES using a fifth API.

### Claim 4 (depends on 1)

The method of claim 1, wherein the provisioning request is received from the digital wallet via the digital enablement service and a digital wallet provider for the digital wallet.

### Claim 5 (depends on 1)

The method of claim 1, wherein the step of decisioning the provisioning request comprises determining that the account is eligible for tokenization.

### Claim 6

A method for financial institution-initiated token lifecycle servicing using a digital enablement service via API, comprising:
in a financial institution backend comprising at least one computer processor:
in response to a token lifecycle event, initiating a token lifecycle action for a token; and
communicating the token lifecycle action to a digital enablement service using an API, wherein the digital enablement service communicates the token lifecycle action to a digital wallet for the token;
wherein the digital wallet executes the token lifecycle action.

### Claim 7 (depends on 6)

The method of claim 6, wherein the token lifecycle event is a token suspension event, a token update event, a token termination event, and a token reissue event.

### Claim 8 (depends on 6)

The method of claim 6, wherein a token vault service for the financial institution executes the token lifecycle action, wherein the token vault service provider updates or deletes the token in response to the token lifecycle action.

### Claim 9 (depends on 6)

The method of claim 6, wherein a cardholder system of record for the financial institution executes the token lifecycle action.

### Claim 10 (depends on 6)

The method of claim 6, wherein the token lifecycle event is requested by the token holder and is received by a services system.

### Claim 11 (depends on 10)

The method of claim 10, wherein the services system comprises an automated response system.

### Claim 12 (depends on 10)

The method of claim 10, wherein the services system comprises a service representative.

### Claim 13 (depends on 10)

The method of claim 10, wherein the token lifecycle event is received electronically.

### Claim 14

A method for digital wallet-initiated token lifecycle servicing via API, comprising:
in a financial institution backend comprising at least one computer processor:
receiving, from a digital enablement system and from a digital wallet, a token lifecycle event, wherein the token lifecycle event is received via a first API; and
executing a token lifecycle action for a token.

### Claim 15 (depends on 14)

The method of claim 14, wherein the token lifecycle event is a token suspension event, a token resume event, and a token termination event.

### Claim 16 (depends on 14)

The method of claim 14, wherein a token vault service for the financial institution executes the token lifecycle action, wherein the token vault service provider updates or deletes the token in response to the token lifecycle action.

### Claim 17 (depends on 14)

The method of claim 14, wherein a cardholder system of record for the financial institution executes the token lifecycle action.