Tokenization and third-party interaction

US9741051B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Andrew Carpenter · Beavercreek, US
• Glenn Powell · Fremont, US
• Patrick Stan · Pacifica, US
• Ryan Hagey · Alameda, US
• Michael Mori · San Mateo, US
• Steve Cracknell · San Mateo, US
• Mark Carlson · Rue de l'Église, US
• Gourab Basu · Rue de l'Église, US

Key dates

• Filing date: Jan 2, 2014
• Grant date: Aug 22, 2017
• Expiry date: Nov 13, 2034

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Processing of a transaction involving one or more third-parties and offers is described. Certain embodiments allow for suspending a received authorization request message which includes a transaction amount and a token mapped to a primary account number. One or more third-parties may be queried for an offer or discount eligible towards the transaction. The authorization request message may be adjusted to reflect one or more eligible offers from the one or more third-parties. The authorization request message may also be adjusted to replace the token with the mapped PAN. The authorization request message may then be sent to an issuer for further processing.