Systems and methods for creating subtokens using primary tokens
US11250424B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | May 19, 2016 |
| Grant date | Feb 15, 2022 |
| Priority date | — |
| Expiry date | Mar 17, 2040 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L63/0807
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
According to one embodiment of the invention, a subtoken corresponding to a primary token is generated. The primary token corresponds to a credential. The credential may be, for example, a primary account number (PAN) corresponding to a payment account. The subtoken may be a temporary, one-time use subtoken based on a primary token associated with the credential that allows a user to conduct a transaction from his or her account, while still providing security for the user's sensitive data. The subtoken may contain a header and an obfuscated portion. The header of the subtoken routes the subtoken to the entity issuing the subtoken for translation into the primary token. The obfuscated portion acts as a pointer to the primary token and data associated with the primary token. A same check digit may be included in the subtoken, the primary token, and the credential, in order to ensure that the transaction is not improperly denied.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.