公开(公告)号：WO2022015584A1

公开(公告)日：2022-01-20

申请号：PCT/US2021/041005

申请日：2021-07-09

Applicant: HOME DEPOT INTERNATIONAL, INC.

Inventor： RAMESHA, Apekshith ,  LAFFOON, John ,  PITTS, Stephen

IPC: G06Q20/00 ,  G06Q20/0855 ,  G06Q20/108 ,  G06Q20/202 ,  G06Q20/204 ,  G06Q20/34 ,  G06Q20/3672 ,  G06Q20/3674 ,  G06Q20/401 ,  G06Q2220/00 ,  G06Q30/0185 ,  G06Q40/02 ,  H04L9/32

Abstract: Systems and methods for payment processing include receiving, by a payment terminal, a personal account number to complete a payment. The personal account number is encrypted by the payment terminal. The encrypted personal account number is sent from the payment terminal to a merchant server via a network. The encrypted personal account number is sent from the merchant server to a tokenization service provider server for tokenization and validation via a payment processor. The merchant server receives an indication of whether the transaction was successful and a token from the tokenization service provider server.