Securing external systems with account token substitution

US11847645B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Gourab Basu · Rue de l'Église, US
• Michael Mori · San Mateo, US
• Ross Sakata · Foster City, US
• Steven Cracknell · San Mateo, US
• Millie Yee · Santa Clara, US
• Mark Carlson · Rue de l'Église, US
• Patrick Stan · Pacifica, US
• Surendra Keshan · Cupertino, US
• Edward Katzin · San Francisco, US

Key dates

• Filing date: Jun 18, 2020
• Grant date: Dec 19, 2023
• Expiry date: Jan 24, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems, apparatuses, and methods for providing an account token to an external entity during the lifecycle of a payment transaction. In some embodiments, an external entity may be a merchant computer requesting authorization of a payment message. In other embodiments, the external entity may be a support computer providing a payment processing network or a merchant support functions.