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US 2026/0311167 A1Published application
Tokenizing a primary account number prior to transmission to a terminal
AssigneeCapital One Services, LLC
InventorsJames ZARAKAS, Tyler LOCKE
Life of this patent
Estimating the term…
Abstract
In some implementations, a transaction card may receive transaction data from a transaction terminal based on initiation of a transaction with the transaction terminal; generate a tokenized primary account number, for use with the transaction, based on the transaction data and an actual primary account number of the transaction card; and transmit the tokenized primary account number to the transaction terminal for processing the transaction.
Claims20
A first device, comprising:
- one or more memories;
- and
- one or more processors, coupled to the one or more memories, configured to:
- receive, from a second device, first information associated with a first tokenized number and second information associated with a second tokenized number,
- wherein the first tokenized number is generated based on one or more first parameters associated with a transaction and the second tokenized number is generated based on one or more second parameters associated with the transaction;
- determine, based on the first information and the second information, authorization of the transaction;
- and
- transmit information associated with the determination of authorization.
5 more elements
A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
- one or more instructions that, when executed by one or more processors of a first device, cause the first device to:
- receive, from a second device, first information associated with a first tokenized number and second information associated with a second tokenized number,
- wherein the first tokenized number is generated based on one or more first parameters associated with a transaction and the second tokenized number is generated based on one or more second parameters associated with the transaction;
- determine, based on the first information and the second information, authorization of the transaction;
- and
- transmit information associated with the determination of authorization.
3 more elements
A method, comprising:
- receiving, from a second device, first information associated with a first tokenized number and second information associated with a second tokenized number,
- wherein the first tokenized number is generated based on one or more first parameters associated with a transaction and the second tokenized number is generated based on one or more second parameters associated with the transaction;
- determining, based on the first information and the second information, authorization of the transaction;
- and
- transmitting, by a first device, information associated with the determination of authorization.
2 more elements
Dependencies are inferred from the claim text.