Multi-network tokenization processing

US12333528B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Prasanna L. Narayan · San Ramon, US
• Glenn Powell · Fremont, US
• John F. Sheets · San Francisco, US
• Paul Tait · San Mateo, US
• Andrew Carpenter · Beavercreek, US

Key dates

• Filing date: May 1, 2023
• Grant date: Jun 17, 2025
• Expiry date: May 1, 2043

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/20
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems, apparatuses, and methods are provided for enabling a transaction using a token associated with a first payment network to be conducted using a second payment network. When a transaction using a token is submitted to a payment network, the payment network can determine the payment network associated with the token. If the token is associated with a second payment network, a token verification request including the token can be sent to the second payment network. The second payment network can then return a token verification response including a primary account identifier such as a primary account number (PAN) corresponding to the token and a validation result. The transaction may then be processed using the primary account identifier.