Systems and methods for payment token provisioning with variable risk evaluation
US12333526B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jan 27, 2021 |
| Grant date | Jun 17, 2025 |
| Priority date | — |
| Expiry date | Jun 18, 2041 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/02
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
Systems and methods for payment token provisioning with variable risk evaluation are disclosed. In one embodiment, a method may include: an issuer backend: (1) receiving, from an electronic wallet application, a payload comprising an identification of a card to be provisioned to the mobile electronic device; (2) determining that the card is eligible for provisioning to the mobile electronic device; (3) generating a card payload and communicating the card payload to the payment network, wherein the payment network creates a payment token for the card comprising payment token origin information; (4) receiving the payment token from the payment network and generating a risk profile for the payment token; and (5) activating the payment token in response to the validation.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.