Tokenization through offline contactless tap
AssigneeAmerican Express Travel Related Services Company, Inc.
InventorManik BISWAS
Life of this patent
Estimating the term…
Abstract
Disclosed herein are system, method, and computer program product embodiments for tokenization in an offline environment. A tokenization system may initiate a tokenization transaction with a payment card. The tokenization system may acquire from the payment card a token primary account number, an account specific key, and tokenization data associated with the tokenization transaction. The tokenization system may store in a digital wallet an association between the token primary account number and a digitized version of the payment card.
Claims20
A method comprising:
- initiating, using one or more processors of a user device and in an offline environment without connecting to a server, a tokenization transaction with a payment card;
- acquiring, from the payment card and using the one or more processors, a token primary account number (PAN), an account specific key, and tokenization data associated with the tokenization transaction initiated by the user device;
- and
- storing, in a digital wallet of the user device, an association between the token PAN and a digitized version of the payment card.
A payment card, comprising:
- a microchip configured to:
- receive a request for a tokenization transaction from a user device, wherein the request is sent in an offline environment without connecting to a server;
- in response to receiving the tokenization transaction, generate tokenization data, wherein the tokenization data comprises at least a token primary account number (PAN) and an account specific key;
- and
- transmit to the user device the tokenization data.
A system, comprising:
- a memory;
- and
- at least one processor coupled to the memory and configured to:
- initiate a tokenization transaction with a payment card in an offline environment and without connecting to a server;
- acquire, from the payment card, a token primary account number (PAN), an account specific key, and tokenization data associated with the tokenization transaction initiated by the user device;
- and
- store, in a digital wallet of the user device, an association between the token PAN and a digitized version of the payment card.
Dependencies are inferred from the claim text.