公开(公告)号：US11748744B2

公开(公告)日：2023-09-05

申请号：US16837718

申请日：2020-04-01

Applicant: First Data Corporation

Inventor： Vijay Royyuru ,  Renee Goodheart ,  Lanny Byers ,  Timothy Horton ,  Kathryn Whalen ,  Lixia Zhu

IPC: G06Q20/36 ,  G06Q20/38

CPC classification number: G06Q20/3674 ,  G06Q20/3672 ,  G06Q20/388

Abstract: A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.

公开(公告)号：US20230351372A1

公开(公告)日：2023-11-02

申请号：US18348822

申请日：2023-07-07

Applicant: First Data Corporation

Inventor： Vijay Royyuru ,  Renee Goodheart ,  Lanny Byers ,  Timothy Horton ,  Kathryn Whalen ,  Lixia Zhu

IPC: G06Q20/36 ,  G06Q20/38

CPC classification number: G06Q20/3674 ,  G06Q20/388 ,  G06Q20/3672

Abstract: A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.

公开(公告)号：US20200320516A1

公开(公告)日：2020-10-08

申请号：US16837718

申请日：2020-04-01

Applicant: First Data Corporation

Inventor： Vijay Royyuru ,  Renee Goodheart ,  Lanny Byers ,  Timothy Horton ,  Kathryn Whalen ,  Lixia Zhu

IPC: G06Q20/36 ,  G06Q20/38

Abstract: A gateway encryption service is used to ensure consistent, source independent tokenization for payment accounts and synchronizing payment account information with merchants. A consistent, evergreen merchant-facing token is generated and used for each payment account for the merchant, ensuring that regardless of the payment method used by the customer (e.g., plastic card point-of-sale, pay wallet, saved card information) for the same underlying account, the merchant has a single token. Further, if the account number for the underlying payment account changes (e.g., the card expires or is stolen) the merchant-facing token remains consistent. The evergreen token ensures that the system functions more efficiently, saving resources in processing and storage and ensuring less network traffic for failed transactions. The system further implements encryption and security despite the consistent tokenization, further saving resources.

公开(公告)号：US10424145B2

公开(公告)日：2019-09-24

申请号：US15968095

申请日：2018-05-01

Applicant: First Data Corporation

Inventor： SuZanne Rogers ,  Timothy Horton ,  Gary J. Trainor

IPC: G06Q40/00 ,  G07F7/08 ,  G06Q40/04 ,  G06Q20/02 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q30/06 ,  G06Q40/02

Abstract: Methods and systems are provided for processing a transaction between a first party and a second party. Information defining terms of the transaction and identifying a presentation instrument are received at a host system. Preference information associated with the presentation instrument is retrieved with the host system. The preference information specifies terms for an allocation of transaction amounts among multiple transaction types. An amount for the transaction is allocated among the transaction types in accordance with terms of the transaction and the terms for the allocation.