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    TOKENIZATION AND THIRD-PARTY INTERACTION
    1.
    发明申请
    TOKENIZATION AND THIRD-PARTY INTERACTION 有权
    协调和第三方互动

    公开(公告)号：US20140188586A1

    公开(公告)日：2014-07-03

    申请号：US14146655

    申请日：2014-01-02

    申请人： Andrew Carpenter ,  Glenn Powell ,  Patrick Stan ,  Ryan Hagey ,  Michael Mori ,  Steve Cracknell ,  Mark Carlson ,  Gourab Basu

    发明人： Andrew Carpenter ,  Glenn Powell ,  Patrick Stan ,  Ryan Hagey ,  Michael Mori ,  Steve Cracknell ,  Mark Carlson ,  Gourab Basu

    IPC分类号： G06Q30/02 ,  G06Q20/02 ,  G06Q20/38

    CPC分类号： G06Q30/0222 ,  G06Q20/02 ,  G06Q20/3821 ,  G06Q20/40

    摘要： Processing of a transaction involving one or more third-parties and offers is described. Certain embodiments allow for suspending a received authorization request message which includes a transaction amount and a token mapped to a primary account number. One or more third-parties may be queried for an offer or discount eligible towards the transaction. The authorization request message may be adjusted to reflect one or more eligible offers from the one or more third-parties. The authorization request message may also be adjusted to replace the token with the mapped PAN. The authorization request message may then be sent to an issuer for further processing.

    摘要翻译： 描述涉及一个或多个第三方和优惠的交易的处理。 某些实施例允许暂停接收到的授权请求消息，其中包括交易金额和映射到主帐号的令牌。 可能会查询一个或多个第三方可用于交易的优惠或折扣。 可以调整授权请求消息以反映来自一个或多个第三方的一个或多个合格的报价。 也可以调整授权请求消息以用映射的PAN替换令牌。 然后可以将授权请求消息发送到发行者以进一步处理。

    SYSTEMS AND METHODS FOR COMMUNICATING TOKEN ATTRIBUTES ASSOCIATED WITH A TOKEN VAULT
    2.
    发明申请
    SYSTEMS AND METHODS FOR COMMUNICATING TOKEN ATTRIBUTES ASSOCIATED WITH A TOKEN VAULT 有权
    与TOKEN VAULT相关联的东京属性的系统和方法

    公开(公告)号：US20150032627A1

    公开(公告)日：2015-01-29

    申请号：US14340464

    申请日：2014-07-24

    申请人： Matthew Dill ,  Prasanna Laxminarayanan ,  Glenn Powell ,  John Sheets ,  Andrew Carpenter

    发明人： Matthew Dill ,  Prasanna Laxminarayanan ,  Glenn Powell ,  John Sheets ,  Andrew Carpenter

    IPC分类号： G06Q20/40

    CPC分类号： G06Q20/385 ,  G06Q20/40 ,  G06Q20/4016 ,  H04L9/32 ,  H04L2209/42 ,  H04L2209/56

    摘要： Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

    摘要翻译： 提供了可互操作的网络令牌处理的系统和方法。 网络令牌系统提供可以由外部实体（例如，第三方钱包，电子商务商家，支付使能者/支付服务提供商等）或需要使用令牌的内部支付处理网络系统来利用的平台 以方便支付交易。 令牌注册表库可以为令牌的生成，使用和管理提供各种令牌请求者（例如，移动设备，发行商，商家，移动钱包提供商等），商家，获取者，发行者和支付处理网络系统的接口。 网络令牌系统还提供诸如卡注册，令牌生成，令牌发行，令牌认证和激活，令牌交换和令牌生命周期管理等服务。

    MULTI-NETWORK TOKENIZATION PROCESSING
    3.
    发明申请
    MULTI-NETWORK TOKENIZATION PROCESSING 审中-公开
    多网络协调处理

    公开(公告)号：US20150046338A1

    公开(公告)日：2015-02-12

    申请号：US14455574

    申请日：2014-08-08

    申请人： PRASANNA LAXMINARAYANAN ,  Glenn Powell ,  John Sheets ,  Paul Tait ,  Andrew Carpenter

    发明人： PRASANNA LAXMINARAYANAN ,  Glenn Powell ,  John Sheets ,  Paul Tait ,  Andrew Carpenter

    IPC分类号： G06Q20/38

    CPC分类号： G06Q20/38215 ,  G06Q20/20

    摘要： Systems, apparatuses, and methods are provided for enabling a transaction using a token associated with a first payment network to be conducted using a second payment network. When a transaction using a token is submitted to a payment network, the payment network can determine the payment network associated with the token. If the token is associated with a second payment network, a token verification request including the token can be sent to the second payment network. The second payment network can then return a token verification response including a primary account identifier such as a primary account number (PAN) corresponding to the token and a validation result. The transaction may then be processed using the primary account identifier.

    摘要翻译： 提供了系统，装置和方法，以使得能够使用第二支付网络来执行使用与第一支付网络相关联的令牌的交易。 当使用令牌的交易被提交到支付网络时，支付网络可以确定与令牌相关联的支付网络。 如果令牌与第二支付网络相关联，则可以将包括令牌的令牌验证请求发送到第二支付网络。 第二支付网络然后可以返回令牌验证响应，该令牌验证响应包括诸如与令牌相对应的主帐号（PAN）的主帐户标识符和验证结果。 然后可以使用主帐户标识符处理该交易。

    SYSTEMS AND METHODS FOR INTEROPERABLE NETWORK TOKEN PROCESSING
    5.
    发明申请
    SYSTEMS AND METHODS FOR INTEROPERABLE NETWORK TOKEN PROCESSING 审中-公开
    可互联网络处理的系统与方法

    公开(公告)号：US20150032626A1

    公开(公告)日：2015-01-29

    申请号：US14340444

    申请日：2014-07-24

    申请人： Matthew Dill ,  Prasanna Laxminarayanan ,  Glenn Powell ,  John Sheets ,  Andrew Carpenter

    发明人： Matthew Dill ,  Prasanna Laxminarayanan ,  Glenn Powell ,  John Sheets ,  Andrew Carpenter

    IPC分类号： G06Q20/38 ,  G06Q20/40

    摘要： Systems and methods for interoperable network token processing are provided. A network token system provides a platform that can be leveraged by external entities (e.g., third party wallets, e-commerce merchants, payment enablers/payment service providers, etc.) or internal payment processing network systems that have the need to use the tokens to facilitate payment transactions. A token registry vault can provide interfaces for various token requestors (e.g., mobile device, issuers, merchants, mobile wallet providers, etc.), merchants, acquirers, issuers, and payment processing network systems to request generation, use and management of tokens. The network token system further provides services such as card registration, token generation, token issuance, token authentication and activation, token exchange, and token life-cycle management.

    摘要翻译： 提供了可互操作的网络令牌处理的系统和方法。 网络令牌系统提供可以由外部实体（例如，第三方钱包，电子商务商家，支付使能者/支付服务提供商等）或需要使用令牌的内部支付处理网络系统来利用的平台 以方便支付交易。 令牌注册表库可以为令牌的生成，使用和管理提供各种令牌请求者（例如，移动设备，发行商，商家，移动钱包提供商等），商家，获取者，发行者和支付处理网络系统的接口。 网络令牌系统还提供诸如卡注册，令牌生成，令牌发行，令牌认证和激活，令牌交换和令牌生命周期管理等服务。

    SECURE MOBILE DEVICE CREDENTIAL PROVISIONING USING RISK DECISION NON-OVERRIDES
    6.
    发明申请
    SECURE MOBILE DEVICE CREDENTIAL PROVISIONING USING RISK DECISION NON-OVERRIDES 审中-公开

    公开(公告)号：US20190057389A1

    公开(公告)日：2019-02-21

    申请号：US16168829

    申请日：2018-10-24

    申请人： Andrew Carpenter ,  Glenn Leon Powell

    发明人： Andrew Carpenter ,  Glenn Leon Powell

    IPC分类号： G06Q20/40 ,  G06Q20/32 ,  G06Q20/38

    摘要： Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.

    Secure Mobile Device Credential Provisioning Using Risk Decision Non-Overrides
    7.
    发明申请
    Secure Mobile Device Credential Provisioning Using Risk Decision Non-Overrides 审中-公开
    使用风险决策非覆盖的安全移动设备凭证配置

    公开(公告)号：US20160086184A1

    公开(公告)日：2016-03-24

    申请号：US14861916

    申请日：2015-09-22

    申请人： Andrew Carpenter ,  Glenn Leon Powell

    发明人： Andrew Carpenter ,  Glenn Leon Powell

    IPC分类号： G06Q20/40 ,  G06Q20/38 ,  G06Q20/32

    CPC分类号： G06Q20/4016 ,  G06Q20/322 ,  G06Q20/3821

    摘要： Embodiments are directed to optimizing the secure provisioning of credentials to mobile devices through use of risk decision non-overrides. In some embodiments, a service provider receives a request from a wallet provider to provision a credential associated with an account to a mobile device. The request includes a first risk level associated with the provisioning. The service provider receives a second risk level associated with the provisioning request from an issuer of the account. Based upon determining that a non-override condition exists, the service provider uses the first risk level from the wallet provider and accordingly causes a user authentication to occur. A non-override condition may be determined based upon scenario indicators received within the provisioning request. In some embodiments, the non-override condition may be ignored when the first risk level indicates medium risk and the second risk level indicates high risk.

    摘要翻译： 实施例旨在通过使用风险决策非覆盖来优化对移动设备的凭证的安全提供。 在一些实施例中，服务提供者接收来自钱包提供者的请求以向移动设备提供与帐户相关联的证书。 请求包括与供应相关联的第一风险级别。 服务提供商从帐户的发行者接收与供应请求相关联的第二风险级别。 基于确定存在非覆盖条件，服务提供商使用来自钱包提供商的第一风险级别，并因此导致用户认证发生。 可以基于在供应请求内接收到的情景指示来确定非覆盖条件。 在一些实施例中，当第一风险水平指示中等风险并且第二风险水平指示高风险时，可以忽略非重写条件。