Token management for enhanced omni-channel payments experience and analytics

Patent metadata

Field	Value
Publication number	US-10915897-B2
Application number	US-201816007945-A
Country	US
Kind code	B2
Filing date	Jun 13, 2018
Priority date	Jun 13, 2018
Publication date	Feb 9, 2021
Grant date	Feb 9, 2021

Abstract

Methods and systems related to the use of tokenization services in payment processing systems are disclosed. The methods and systems include token translation services, token maps used as the basis for customer data models, specific approaches for securing the token maps and associated data, and the efficient storage of the token maps and associated data to facilitate enhanced payments experiences and analytics. One method includes transmitting a tokenization request with an encrypted payment account number from a POS to a tokenization service, receiving a token from the tokenization service in response to the tokenization request, salting the token with data to produce a salted token, encrypting the salted token using a secure processor on the POS, mapping the encrypted salted token to the payment account number in a map, and storing the map and the encrypted salted token in a memory on the secure processor on the POS.

First claim

What is claimed is:

1. A method comprising:
transmitting a tokenization request with an encrypted payment account number from a point of sale device to a tokenization service;
receiving a token from the tokenization service in response to the tokenization request, wherein the token is a tokenized version of the encrypted payment account number;
salting the token with data to produce a salted token;
encrypting the salted token using a secure processor on the point of sale device;
mapping the encrypted salted token to the payment account number in a map, wherein the payment account number is mapped using at least a portion of the payment account number; and
storing the map and the encrypted salted token in a memory on the secure processor on the point of sale device.

2. The method of claim 1 , further comprising:
receiving a request to initiate a second payment using the account number on a second point of sale device;
identifying the encrypted salted token using the account number;
decrypting the encrypted salted token to retrieve the data; and
restricting the initiation of the second payment on the second point of sale device based on the data.

3. The method of claim 1 , further comprising:
receiving a request to initiate a second payment using the account number on a second point of sale device;
identifying the encrypted salted token using the account number; and
restricting the initiation of the second payment on the second point of sale device: (i) without decrypting the encrypted salted token; and (ii) based on the data.

4. The method of claim 1 , further comprising:
providing an application programming interface on the point of sale device for conducting analytics using the encrypted salted token;
receiving a request for data on the applications programming interface; and
providing a response on the applications programming interface;
wherein the response includes data from a field of the encrypted salted token; and
wherein providing the response does not involve decrypting, at any time between when the request is received on the application programming interface and when the response is provided on the applications programming interface, the encrypted salted token.

5. The method of claim 1 , wherein:
the encrypting of the salted token is conducted using a format preserving encryption algorithm; and
the point of sale device is a point of sale terminal.

6. The method of claim 5 , further comprising:
receiving a request to initiate a second payment using the account number on a second point of sale terminal;
identifying the encrypted salted token using the account number;
evaluating a field of the encrypted salted token without decrypting the encrypted salted token; and
restricting the initiation of the second payment on the second point of sale terminal based on the evaluating of the field of the encrypted second salted token.

7. The method of claim 5 , further comprising:
providing an application programming interface on the point of sale terminal for conducting analytics using the encrypted salted token;
receiving a request for data on the applications programming interface; and
providing a response on the applications programming interface;
wherein the response includes data from a field of the encrypted salted token; and
wherein providing the response does not involve decrypting, at any time between when the request is received on the applications programming interface and when the response is provided on the applications programming interface, the encrypted salted token.

8. The method of claim 7 , further comprising:
rate-limiting the application programming interface.

9. The method of claim 7 , further comprising:
sharding the encrypted salted token into at least a first shard and a second shard;
transmitting the second shard to a second point of sale terminal for a partitioned storage of the encrypted salted token; and
wherein storing the encrypted salted token in the memory on the secure processor involves storing the first shard in the memory as part of the partitioned storage.

10. The method of claim 1 , wherein the tokenization request is a first tokenization request and the point of sale device is a first point of sale device, further comprising:
receiving a payment account number at the point of sale device;
encrypting the payment account number on the point of sale device into the encrypted payment account number;
transmitting a second tokenization request with the encrypted payment account number to a second tokenization service;
receiving a second token from the tokenization service in response to the tokenization request, wherein the second token includes a second tokenized version of the encrypted payment account number;
transmitting a payment authorization request with the second token to a payment processor; and
receiving an approval for the payment authorization request from the payment processor;
wherein the transmitting of the second tokenization request and the first tokenization request are both conducted by the point of sale device in response to the single step of receiving the payment account number at the point of sale device.

11. The method of claim 10 , wherein:
the transmitting of the second tokenization request and the first tokenization request are conducted asynchronously by the point of sale device.

12. The method of claim 10 , further comprising:
receiving the payment account number on a second point of sale device;
wherein the first point of sale device is a point of sale terminal; and
wherein the second point of sale device includes a virtual point of sale instantiated on a server and a web browser.

13. The method of claim 12 , further comprising:
retrieving the encrypted salted token using the map and the payment account number;
storing the encrypted salted token on the second point of sale device as a retrieved encrypted salted token;
transmitting a second payment authorization request from the second point of sale device using the retrieved encrypted salted token; and
receiving a second approval for the second payment authorization request.

14. The method of claim 12 , wherein the payment authorization is a first payment authorization, further comprising:
transmitting a second payment authorization request from the second point of sale device;
receiving a second approval for the second payment authorization request; and
associating the first payment authorization and the second payment authorization in memory using the map.

15. The method of claim 14 , further comprising:
providing an application programming interface on the point of sale device for conducting analytics using the map; and
obtaining data regarding the first payment authorization and the second payment authorization via a single call to the application programming interface.

Assignees

• Clover Network Inc

Inventors

• Beatty John Daniel
• Murray Brian Jeremiah
• Misra Nilendu
• Posner Nicholas

Classifications

• H04L9/50

  using hash chains, e.g. blockchains or hash trees · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q20/322 Primary

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/385 Primary

  using an alias or single-use codes · CPC title

• G06Q20/3672

  initialising or reloading thereof · CPC title