Tokenization request handling at a throttled rate in a payment network
US11521207B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Apr 26, 2019 |
| Grant date | Dec 6, 2022 |
| Priority date | — |
| Expiry date | Apr 4, 2040 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L67/61
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
The disclosure herein describes handling tokenization requests associated with electronic transactions at a payment network at a throttled processing rate. Tokenization requests are received by tokenization stream brokers from request sources. The tokenization requests include primary account numbers (PANs) to be tokenized. The tokenization requests are then consumed from the tokenization stream brokers, at a request storage rate, for storage in a request data store. Tokenization operations are then performed, at a request processing rate, based on the tokenization requests stored in the request data store. The tokenization operations include providing at least the primary account numbers to be tokenized to issuers associated with the tokenization requests at issuer tokenization rates associated with the issuers, whereby the request processing rate is throttled for compatibility with capabilities of the system and the issuers without unnecessary limitations placed on request sources.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.