Multi-token provisioning, online purchase transaction processing, and card life cycle management systems and methods
AssigneeDiscover Financial Services
InventorsBryan L. Manka, George Danforth
Life of this patent
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AssigneeDiscover Financial Services
InventorsBryan L. Manka, George Danforth
Estimating the term…
An example method for provisioning tokens in a networked computing environment including merchants participating in payment networks involves (1) for a purchase card having an associated primary account number (PAN), (i) transmitting a first request for a primary token comprising a first computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card and (ii) transmitting a second request for a secondary token comprising a second computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card, (2) receiving and storing at least the requested secondary token for the purchase card; (3) receiving a request to initiate a given network-based financial transaction, and (4) transmitting an authorization request for the given network-based financial transaction that includes the secondary token.
A computing system comprising:
A non-transitory computer-readable medium, wherein the non-transitory computer-readable medium is provisioned with program instructions that, when executed by one or more processors, cause a computing system to:
A method carried out by a computing system, the method comprising:
Dependencies are inferred from the claim text.