公开(公告)号：US20170228724A1

公开(公告)日：2017-08-10

申请号：US15497791

申请日：2017-04-26

申请人： Lisa Anderson ,  Seamus Cushley ,  Fergal Downey

发明人： Lisa Anderson ,  Seamus Cushley ,  Fergal Downey

IPC分类号： G06Q20/38 ,  G06Q20/36 ,  G06Q20/40

CPC分类号： G06Q20/382 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/385 ,  G06Q20/40

摘要： Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.

公开(公告)号：US20180005228A1

公开(公告)日：2018-01-04

申请号：US15703819

申请日：2017-09-13

申请人： Lisa Anderson ,  Seamus Cushley

发明人： Lisa Anderson ,  Seamus Cushley

IPC分类号： G06Q20/38 ,  G06Q20/20 ,  G06Q20/26 ,  G06Q20/12

CPC分类号： G06Q20/3821 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/26 ,  G06Q20/38215 ,  G06Q20/385

摘要： Systems, devices, apparatuses, and methods for providing tokenization as a service are provided. Embodiments of the invention involve decoupling “tokenization service” from other services offered by a merchant service provider, and offering the tokenization service as a stand alone service. In accordance with an embodiment, a merchant service provider can receive payment data associated with a transaction between a consumer and a first entity. The merchant service provider can generate a payment token that represents the payment data and transmit a copy of the payment token to the first entity. The first entity can then transmit the payment token and order information to a second entity specified in the transaction. The merchant service provider can subsequently receive a request to complete the transaction from the second entity. The request can include the copy of the payment token from the second entity.

公开(公告)号：US20140032419A1

公开(公告)日：2014-01-30

申请号：US13558979

申请日：2012-07-26

申请人： Lisa Anderson ,  Seamus Cushley ,  Fergal Downey

发明人： Lisa Anderson ,  Seamus Cushley ,  Fergal Downey

IPC分类号： G06Q30/06 ,  H04L9/28

CPC分类号： G06Q20/3672 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q20/3674 ,  G06Q20/385

摘要： Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.

摘要翻译： 公开了用于生成和使用商家可定制的令牌格式的方法和系统，其定义在网络交易中表示信用卡和其他支付号码的令牌。 使用代替卡号本身用于安全性的令牌可以通过令牌格式来指定，以具有一定数量的字符，为主卡标识符保留某些字段，使用加密和/或随机化，为字母数字，以及 有其他格式。 定制的令牌可以与使用比标准十六位数支付卡号格式更长或更短的卡号的传统设备一起使用，并且通过识别盗贼可能不太可能被识别为与卡号相关。

公开(公告)号：US20130198080A1

公开(公告)日：2013-08-01

申请号：US13751523

申请日：2013-01-28

申请人： Lisa Anderson ,  Seamus Cushley

发明人： Lisa Anderson ,  Seamus Cushley

IPC分类号： G06Q20/38

CPC分类号： G06Q20/3821 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/26 ,  G06Q20/38215 ,  G06Q20/385

摘要： Systems, devices, apparatuses, and methods for providing tokenization as a service are provided. Embodiments of the invention involve decoupling a “tokenization service” from other services offered by a merchant service provider, and offering the tokenization service as a stand-alone service. In accordance with an embodiment, a merchant service provider can receive payment data associated with a transaction between a consumer and a first entity. The merchant service provider can generate a payment token that represents the payment data and transmit a copy of the payment token to the first entity. The first entity can then transmit the payment token and order information to a second entity specified in the transaction. The merchant service provider can subsequently receive a request to complete the transaction from the second entity. The request can include the copy of the payment token from the second entity.

摘要翻译： 提供了用于提供标记化作为服务的系统，设备，设备和方法。 本发明的实施例涉及将“令牌化服务”与由商家服务提供商提供的其他服务进行解耦，并提供作为独立服务的令牌化服务。 根据实施例，商家服务提供商可以接收与消费者和第一实体之间的交易相关联的支付数据。 商家服务提供商可以生成表示支付数据的支付令牌，并将付款令牌的副本传送给第一实体。 然后，第一实体可以将支付令牌和订单信息发送到交易中指定的第二实体。 商业服务提供商随后可以从第二实体接收到完成交易的请求。 请求可以包括来自第二实体的付款令牌的副本。

公开(公告)号：US20170270515A1

公开(公告)日：2017-09-21

申请号：US15610283

申请日：2017-05-31

申请人： Niall McCullagh ,  Seamus Cushley

发明人： Niall McCullagh ,  Seamus Cushley

IPC分类号： G06Q20/36

CPC分类号： G06Q20/36 ,  G06Q20/363

摘要： Embodiments of the invention are directed to methods, a computer-readable medium, servers and systems for enabling merchants to pass payment tokens, instead of actual payment information, to third party HOPs and SOPs. This, for example, enables a merchant to charge a consumer, such as on a recurring basis or for a one-off purchase, without having the consumer enter payment information each time and without the merchant actually having to handle payment information. As such, merchants can avoid costs and responsibilities associated with handling and storing consumer payment data, while at the same time it also gives merchants the benefit of engaging in purchase transactions with consumers without requiring that the consumers reenter payment data each time they want to make a purchase.

公开(公告)号：US09704155B2

公开(公告)日：2017-07-11

申请号：US13559250

申请日：2012-07-26

申请人： Niall McCullagh ,  Seamus Cushley

发明人： Niall McCullagh ,  Seamus Cushley

IPC分类号： G06Q40/00 ,  G06Q20/36

CPC分类号： G06Q20/36 ,  G06Q20/363

摘要： Embodiments of the invention are directed to methods, a computer-readable medium, servers and systems for enabling merchants to pass payment tokens, instead of actual payment information, to third party HOPs and SOPs. This, for example, enables a merchant to charge a consumer, such as on a recurring basis or for a one-off purchase, without having the consumer enter payment information each time and without the merchant actually having to handle payment information. As such, merchants can avoid costs and responsibilities associated with handling and storing consumer payment data, while at the same time it also gives merchants the benefit of engaging in purchase transactions with consumers without requiring that the consumers reenter payment data each time they want to make a purchase.

公开(公告)号：US20160104153A1

公开(公告)日：2016-04-14

申请号：US14973289

申请日：2015-12-17

申请人： Lisa Anderson ,  Seamus Cushley ,  Fergal Downey

发明人： Lisa Anderson ,  Seamus Cushley ,  Fergal Downey

IPC分类号： G06Q20/36

CPC分类号： G06Q20/3672 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q20/3674 ,  G06Q20/385

摘要： Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.

摘要翻译： 公开了用于生成和使用商家可定制的令牌格式的方法和系统，其定义在网络交易中表示信用卡和其他支付号码的令牌。 使用代替卡号本身用于安全性的令牌可以通过令牌格式来指定，以具有一定数量的字符，为主卡标识符保留某些字段，使用加密和/或随机化，为字母数字，以及 有其他格式。 定制的令牌可以与使用比标准十六位数支付卡号格式更长或更短的卡号的传统设备一起使用，并且通过识别盗贼可能不太可能被识别为与卡号相关。

公开(公告)号：US09256871B2

公开(公告)日：2016-02-09

申请号：US13558979

申请日：2012-07-26

申请人： Lisa Anderson ,  Seamus Cushley ,  Fergal Downey

发明人： Lisa Anderson ,  Seamus Cushley ,  Fergal Downey

IPC分类号： G06Q20/00 ,  G06Q20/38 ,  G06Q20/12 ,  G06Q20/22

CPC分类号： G06Q20/3672 ,  G06Q20/12 ,  G06Q20/227 ,  G06Q20/3674 ,  G06Q20/385

摘要： Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.

摘要翻译： 公开了用于生成和使用商家可定制的令牌格式的方法和系统，其定义在网络交易中表示信用卡和其他支付号码的令牌。 使用代替卡号本身用于安全性的令牌可以通过令牌格式来指定，以具有一定数量的字符，为主卡标识符保留某些字段，使用加密和/或随机化，为字母数字，以及 有其他格式。 定制的令牌可以与使用比标准十六位数支付卡号格式更长或更短的卡号的传统设备一起使用，并且通过识别盗贼可能不太可能被识别为与卡号相关。

公开(公告)号：US20130031006A1

公开(公告)日：2013-01-31

申请号：US13559250

申请日：2012-07-26

申请人： Niall McCullagh ,  Seamus Cushley

发明人： Niall McCullagh ,  Seamus Cushley

IPC分类号： G06Q20/36

CPC分类号： G06Q20/36 ,  G06Q20/363

摘要： Embodiments of the invention are directed to methods, a computer-readable medium, servers and systems for enabling merchants to pass payment tokens, instead of actual payment information, to third party HOPs and SOPs. This, for example, enables a merchant to charge a consumer, such as on a recurring basis or for a one-off purchase, without having the consumer enter payment information each time and without the merchant actually having to handle payment information. As such, merchants can avoid costs and responsibilities associated with handling and storing consumer payment data, while at the same time it also gives merchants the benefit of engaging in purchase transactions with consumers without requiring that the consumers reenter payment data each time they want to make a purchase.

摘要翻译： 本发明的实施例涉及方法，计算机可读介质，服务器和系统，用于使商家能够将支付令牌而不是实际的支付信息传递给第三方HOP和SOP。 例如，这使得商家可以例如在经常性的基础上或一次性购买的方式向消费者收取费用，而不必每次都在消费者输入付款信息，而商人实际上不必处理支付信息。 因此，商家可以避免与处理和存储消费者支付数据相关的成本和责任，同时它还使商家获得与消费者进行购买交易的好处，而不要求消费者每次想要进行付款数据时重新输入付款数据 购买。