Enhanced guest checkout tokenization

A computer-implemented method comprising:

• receiving a first request message from a merchant device, the first request message including a payment card identifier associated with a payment card;
• generating a cryptogram, the cryptogram being a transaction key presentable to a payment network during authorization of payment card transactions;
• storing a cryptogram mapping record that includes at least the cryptogram and a token associated with the payment card identifier;
• receiving a cryptogram verification request message from the payment network, the cryptogram verification request message being associated with an authorization request presented to the payment network, the cryptogram verification request message including the token and the cryptogram;
• identifying the cryptogram mapping record based on the cryptogram presented in the cryptogram verification request message;
• comparing the token from the cryptogram verification request message to the token from the cryptogram mapping record to determine a match;
• and
• in response to the comparing, transmitting a cryptogram verification success message to the payment network, thereby causing the payment network to send the authorization request to an issuer.

A computer storage medium having computer-executable instructions that, upon execution by a processor of a computer, cause the processor to at least:

• receive, from a merchant computing device, a first request message that includes a primary account number (PAN) of a payment card and an original transaction amount;
• generate an original token, the original token being usable as a substitute for the PAN in a payment network;
• generate an original cryptogram;
• store a cryptogram mapping between the original token, the original cryptogram, and the original transaction amount;
• transmit the original token and the original cryptogram to the merchant computing device in response to the first request message;
• receive a cryptogram verification request message from the payment network, the cryptogram verification request message being associated with a transaction authorization request, the cryptogram verification request message including a presented token, a presented cryptogram, and a presented transaction amount;
• determine that the original cryptogram matches the presented cryptogram, and the original token matches the presented token based on the cryptogram mapping;
• and
• respond to the cryptogram verification request message with a success indicator, thereby causing the payment network to send the authorization request to an issuing bank for authorization.