Invention Grant
- Patent Title: Active application of secondary transaction instrument tokens for transaction processing systems
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Application No.: US17006086Application Date: 2020-08-28
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Publication No.: US11461770B2Publication Date: 2022-10-04
- Inventor: Pankaj Sarin
- Applicant: PAYPAL, INC.
- Applicant Address: US CA San Jose
- Assignee: PAYPAL, INC.
- Current Assignee: PAYPAL, INC.
- Current Assignee Address: US CA San Jose
- Agency: Haynes and Boone, LLP
- Main IPC: G06Q20/00
- IPC: G06Q20/00 ; G06Q20/36

Abstract:
Systems and methods for active application of secondary transaction instrument tokens in transaction processing systems are provided. A transaction processing server receives a transaction request identifying a request to authorize a transaction using a first transaction instrument and a first token processing engine issues the transaction request with a first transactable token associated with the first transaction instrument for use by a first remote entity to authorize the first transaction instrument. The transaction processing server receives a transaction request failed message and actively routes a non-transactable token from the first token processing engine to a second token processing engine. The second token processing engine reissues the transaction request with a second transactable token associated with the second transaction instrument for use by a second remote entity to authorize the second transaction instrument and receives an indication that the transaction completed successfully using the second transactable token.
Public/Granted literature
- US20220067712A1 ACTIVE APPLICATION OF SECONDARY TRANSACTION INSTRUMENT TOKENS FOR TRANSACTION PROCESSING SYSTEMS Public/Granted day:2022-03-03
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