Resource provider account token provisioning and processing
US11900361B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Sep 26, 2022 |
| Grant date | Feb 13, 2024 |
| Priority date | — |
| Expiry date | Sep 26, 2042 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L63/123
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
Embodiments are directed to issuing tokens for identifiers associated with a resource provider account specific to the resource provider issuing the account. A resource provider processor system interfaces with a resource provider computer to validate account eligibility upon receiving a token request message. If the account is eligible for token generation, the resource provider processor system generates a universal identifier corresponding to the identifier associated with the resource provider account and returns the universal identifier to the token requestor. The token requestor may send a token request message to a token issuer for obtaining a token using the universal identifier. Accordingly, the universal account identifier can be used to provision a token into a digital wallet. Transactions using the token may be processed with the resource provider processor system acting as an account issuer.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.