WO2012142370A3 - Method and system for enabling merchants to share tokens - Google Patents

Method and system for enabling merchants to share tokens Download PDF

Info

Publication number
WO2012142370A3
WO2012142370A3 PCT/US2012/033457 US2012033457W WO2012142370A3 WO 2012142370 A3 WO2012142370 A3 WO 2012142370A3 US 2012033457 W US2012033457 W US 2012033457W WO 2012142370 A3 WO2012142370 A3 WO 2012142370A3
Authority
WO
WIPO (PCT)
Prior art keywords
merchant
tokenization
provider system
chd
tokenization provider
Prior art date
Application number
PCT/US2012/033457
Other languages
French (fr)
Other versions
WO2012142370A2 (en
Inventor
Kevin James Cronic
Steven Mark Sommers
John David ODER II
John David Oder
Steven CALANDRELLI
Jeremy B. FRIED
Original Assignee
Shift4 Corporation
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US13/303,983 external-priority patent/US9256874B2/en
Application filed by Shift4 Corporation filed Critical Shift4 Corporation
Priority to EP12772014.2A priority Critical patent/EP2697756A4/en
Priority to CA2832754A priority patent/CA2832754C/en
Publication of WO2012142370A2 publication Critical patent/WO2012142370A2/en
Publication of WO2012142370A3 publication Critical patent/WO2012142370A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/067—Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce

Abstract

One embodiment of the present disclosure provides a system and associated processes for sharing cardholder data (CHD) between a merchant that utilizes tokenization and a second merchant that may or may not utilize tokenization. In one embodiment, the merchant, or an employee of the merchant, can use the system and associated processes to reacquire CHD from a tokenization provider system, in one embodiment, the merchant identifies to the tokenization provider system a desire to share CHD, which is associated with a token, with a second merchant. The merchant and/or the tokenization provider system can then invite the second merchant to register with the tokenization provider system. Once registered with the tokenization provider system, the second merchant can access any CHD that the merchant associated with the second merchant.
PCT/US2012/033457 2011-04-15 2012-04-13 Method and system for enabling merchants to share tokens WO2012142370A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP12772014.2A EP2697756A4 (en) 2011-04-15 2012-04-13 Method and system for enabling merchants to share tokens
CA2832754A CA2832754C (en) 2011-04-15 2012-04-13 Method and system for enabling merchants to share tokens

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US201161476194P 2011-04-15 2011-04-15
US61/476,194 2011-04-15
US13/303,983 US9256874B2 (en) 2011-04-15 2011-11-23 Method and system for enabling merchants to share tokens
US13/303,983 2011-11-23
US201261621222P 2012-04-06 2012-04-06
US61/621,222 2012-04-06

Publications (2)

Publication Number Publication Date
WO2012142370A2 WO2012142370A2 (en) 2012-10-18
WO2012142370A3 true WO2012142370A3 (en) 2012-12-06

Family

ID=47009983

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2012/033457 WO2012142370A2 (en) 2011-04-15 2012-04-13 Method and system for enabling merchants to share tokens

Country Status (3)

Country Link
EP (1) EP2697756A4 (en)
CA (1) CA2832754C (en)
WO (1) WO2012142370A2 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105830414A (en) * 2013-10-01 2016-08-03 鲁库斯无线公司 Secure network access using credentials

Families Citing this family (121)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8762263B2 (en) 2005-09-06 2014-06-24 Visa U.S.A. Inc. System and method for secured account numbers in proximity devices
US8121942B2 (en) 2007-06-25 2012-02-21 Visa U.S.A. Inc. Systems and methods for secure and transparent cardless transactions
US7739169B2 (en) 2007-06-25 2010-06-15 Visa U.S.A. Inc. Restricting access to compromised account information
US7937324B2 (en) 2007-09-13 2011-05-03 Visa U.S.A. Inc. Account permanence
US8219489B2 (en) 2008-07-29 2012-07-10 Visa U.S.A. Inc. Transaction processing using a global unique identifier
BRPI0921124A2 (en) 2008-11-06 2016-09-13 Visa Int Service Ass system for authenticating a consumer, computer implemented method, computer readable medium, and server computer.
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
US9105027B2 (en) 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US7891560B2 (en) 2009-05-15 2011-02-22 Visa International Service Assocation Verification of portable consumer devices
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US10846683B2 (en) 2009-05-15 2020-11-24 Visa International Service Association Integration of verification tokens with mobile communication devices
US8602293B2 (en) 2009-05-15 2013-12-10 Visa International Service Association Integration of verification tokens with portable computing devices
US10140598B2 (en) 2009-05-20 2018-11-27 Visa International Service Association Device including encrypted data for expiration date and verification value creation
US10255591B2 (en) 2009-12-18 2019-04-09 Visa International Service Association Payment channel returning limited use proxy dynamic value
BR112012017000A2 (en) 2010-01-12 2016-04-05 Visa Int Service Ass method
US10255601B2 (en) 2010-02-25 2019-04-09 Visa International Service Association Multifactor authentication using a directory server
US9245267B2 (en) 2010-03-03 2016-01-26 Visa International Service Association Portable account number for consumer payment account
US9342832B2 (en) 2010-08-12 2016-05-17 Visa International Service Association Securing external systems with account token substitution
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
CN103765453B (en) 2011-02-16 2018-08-14 维萨国际服务协会 Snap mobile payment device, method and system
BR112013021057A2 (en) 2011-02-22 2020-11-10 Visa International Service Association universal electronic payment devices, methods and systems
AU2012225684B2 (en) 2011-03-04 2016-11-10 Visa International Service Association Integration of payment capability into secure elements of computers
WO2012142045A2 (en) 2011-04-11 2012-10-18 Visa International Service Association Multiple tokenization for authentication
US8688589B2 (en) 2011-04-15 2014-04-01 Shift4 Corporation Method and system for utilizing authorization factor pools
US9256874B2 (en) 2011-04-15 2016-02-09 Shift4 Corporation Method and system for enabling merchants to share tokens
US9818111B2 (en) 2011-04-15 2017-11-14 Shift4 Corporation Merchant-based token sharing
AU2012278963B2 (en) 2011-07-05 2017-02-23 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
WO2013019567A2 (en) 2011-07-29 2013-02-07 Visa International Service Association Passing payment tokens through an hop/sop
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9165294B2 (en) 2011-08-24 2015-10-20 Visa International Service Association Method for using barcodes and mobile devices to conduct payment transactions
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
EP3770839A1 (en) 2012-01-05 2021-01-27 Visa International Service Association Data protection with translation
WO2013113004A1 (en) 2012-01-26 2013-08-01 Visa International Service Association System and method of providing tokenization as a service
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US10282724B2 (en) 2012-03-06 2019-05-07 Visa International Service Association Security system incorporating mobile device
WO2013166501A1 (en) 2012-05-04 2013-11-07 Visa International Service Association System and method for local data conversion
US9524501B2 (en) 2012-06-06 2016-12-20 Visa International Service Association Method and system for correlating diverse transaction data
WO2014008403A1 (en) 2012-07-03 2014-01-09 Visa International Service Association Data protection hub
US9846861B2 (en) 2012-07-25 2017-12-19 Visa International Service Association Upstream and downstream data conversion
US9256871B2 (en) 2012-07-26 2016-02-09 Visa U.S.A. Inc. Configurable payment tokens
US9665722B2 (en) 2012-08-10 2017-05-30 Visa International Service Association Privacy firewall
WO2014043278A1 (en) 2012-09-11 2014-03-20 Visa International Service Association Cloud-based virtual wallet nfc apparatuses, methods and systems
WO2014066559A1 (en) 2012-10-23 2014-05-01 Visa International Service Association Transaction initiation determination system utilizing transaction data elements
US9911118B2 (en) 2012-11-21 2018-03-06 Visa International Service Association Device pairing via trusted intermediary
WO2014087381A1 (en) 2012-12-07 2014-06-12 Visa International Service Association A token generating component
US9741051B2 (en) 2013-01-02 2017-08-22 Visa International Service Association Tokenization and third-party interaction
US10740731B2 (en) 2013-01-02 2020-08-11 Visa International Service Association Third party settlement
US11055710B2 (en) 2013-05-02 2021-07-06 Visa International Service Association Systems and methods for verifying and processing transactions using virtual currency
SG10201709411RA (en) 2013-05-15 2018-01-30 Visa Int Service Ass Mobile tokenization hub
US10878422B2 (en) 2013-06-17 2020-12-29 Visa International Service Association System and method using merchant token
CN115567273A (en) 2013-07-24 2023-01-03 维萨国际服务协会 System and method for interoperable network token processing
WO2015011655A1 (en) 2013-07-26 2015-01-29 Visa International Service Association Provisioning payment credentials to a consumer
US10496986B2 (en) 2013-08-08 2019-12-03 Visa International Service Association Multi-network tokenization processing
WO2015021420A1 (en) 2013-08-08 2015-02-12 Visa International Service Association Methods and systems for provisioning mobile devices with payment credentials
US9978094B2 (en) 2013-10-11 2018-05-22 Visa International Service Association Tokenization revocation list
CN106464492B (en) 2013-10-11 2020-02-07 维萨国际服务协会 Network token system
US10515358B2 (en) 2013-10-18 2019-12-24 Visa International Service Association Contextual transaction token methods and systems
US10489779B2 (en) 2013-10-21 2019-11-26 Visa International Service Association Multi-network token bin routing with defined verification parameters
US10366387B2 (en) 2013-10-29 2019-07-30 Visa International Service Association Digital wallet system and method
AU2014353151B2 (en) 2013-11-19 2018-03-08 Visa International Service Association Automated account provisioning
US9922322B2 (en) 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
CN105830107A (en) 2013-12-19 2016-08-03 维萨国际服务协会 Cloud-based transactions methods and systems
US10433128B2 (en) 2014-01-07 2019-10-01 Visa International Service Association Methods and systems for provisioning multiple devices
US9846878B2 (en) 2014-01-14 2017-12-19 Visa International Service Association Payment account identifier system
GB2523350A (en) * 2014-02-21 2015-08-26 Ibm Implementing single sign-on in a transaction processing system
US10026087B2 (en) 2014-04-08 2018-07-17 Visa International Service Association Data passed in an interaction
US9942043B2 (en) 2014-04-23 2018-04-10 Visa International Service Association Token security on a communication device
CA2946150A1 (en) 2014-05-01 2015-11-05 Visa International Service Association Data verification using access device
US9848052B2 (en) 2014-05-05 2017-12-19 Visa International Service Association System and method for token domain control
AU2015264124B2 (en) 2014-05-21 2019-05-09 Visa International Service Association Offline authentication
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US9780953B2 (en) 2014-07-23 2017-10-03 Visa International Service Association Systems and methods for secure detokenization
US10484345B2 (en) 2014-07-31 2019-11-19 Visa International Service Association System and method for identity verification across mobile applications
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
US10140615B2 (en) 2014-09-22 2018-11-27 Visa International Service Association Secure mobile device credential provisioning using risk decision non-overrides
RU2019124722A (en) 2014-09-26 2019-10-01 Виза Интернэшнл Сервис Ассосиэйшн SYSTEM AND METHODS FOR PROVIDING ENCRYPTED DATA OF A REMOTE SERVER
US11257074B2 (en) 2014-09-29 2022-02-22 Visa International Service Association Transaction risk based token
US10015147B2 (en) 2014-10-22 2018-07-03 Visa International Service Association Token enrollment system and method
GB201419016D0 (en) 2014-10-24 2014-12-10 Visa Europe Ltd Transaction Messaging
US10325261B2 (en) 2014-11-25 2019-06-18 Visa International Service Association Systems communications with non-sensitive identifiers
WO2016086154A1 (en) 2014-11-26 2016-06-02 Visa International Service Association Tokenization request via access device
US10257185B2 (en) 2014-12-12 2019-04-09 Visa International Service Association Automated access data provisioning
US11580519B2 (en) 2014-12-12 2023-02-14 Visa International Service Association Provisioning platform for machine-to-machine devices
US10187363B2 (en) 2014-12-31 2019-01-22 Visa International Service Association Hybrid integration of software development kit with secure execution environment
US10096009B2 (en) 2015-01-20 2018-10-09 Visa International Service Association Secure payment processing using authorization request
US11250391B2 (en) 2015-01-30 2022-02-15 Visa International Service Association Token check offline
US11176554B2 (en) 2015-02-03 2021-11-16 Visa International Service Association Validation identity tokens for transactions
US10977657B2 (en) 2015-02-09 2021-04-13 Visa International Service Association Token processing utilizing multiple authorizations
US10164996B2 (en) 2015-03-12 2018-12-25 Visa International Service Association Methods and systems for providing a low value token buffer
US10333921B2 (en) 2015-04-10 2019-06-25 Visa International Service Association Browser integration with Cryptogram
US9998978B2 (en) 2015-04-16 2018-06-12 Visa International Service Association Systems and methods for processing dormant virtual access devices
US10552834B2 (en) 2015-04-30 2020-02-04 Visa International Service Association Tokenization capable authentication framework
WO2017066792A1 (en) 2015-10-15 2017-04-20 Visa International Service Association Instant token issuance system
CN108370319B (en) 2015-12-04 2021-08-17 维萨国际服务协会 Method and computer for token verification
CA3009659C (en) 2016-01-07 2022-12-13 Visa International Service Association Systems and methods for device push provisioning
US11080696B2 (en) 2016-02-01 2021-08-03 Visa International Service Association Systems and methods for code display and use
US11501288B2 (en) 2016-02-09 2022-11-15 Visa International Service Association Resource provider account token provisioning and processing
US10313321B2 (en) 2016-04-07 2019-06-04 Visa International Service Association Tokenization of co-network accounts
WO2017184121A1 (en) 2016-04-19 2017-10-26 Visa International Service Association Systems and methods for performing push transactions
US11250424B2 (en) 2016-05-19 2022-02-15 Visa International Service Association Systems and methods for creating subtokens using primary tokens
RU2018144220A (en) 2016-06-03 2020-07-09 Виза Интернэшнл Сервис Ассосиэйшн SUB-TOKEN MANAGEMENT SYSTEM FOR CONNECTED DEVICES
US11068899B2 (en) 2016-06-17 2021-07-20 Visa International Service Association Token aggregation for multi-party transactions
CA3021357A1 (en) 2016-06-24 2017-12-28 Visa International Service Association Unique token authentication cryptogram
CN116471105A (en) 2016-07-11 2023-07-21 维萨国际服务协会 Encryption key exchange procedure using access means
CN116739570A (en) 2016-07-19 2023-09-12 维萨国际服务协会 Method for distributing tokens and managing token relationships
US10509779B2 (en) 2016-09-14 2019-12-17 Visa International Service Association Self-cleaning token vault
US11323443B2 (en) 2016-11-28 2022-05-03 Visa International Service Association Access identifier provisioning to application
US10915899B2 (en) 2017-03-17 2021-02-09 Visa International Service Association Replacing token on a multi-token user device
US10902418B2 (en) 2017-05-02 2021-01-26 Visa International Service Association System and method using interaction token
US11494765B2 (en) 2017-05-11 2022-11-08 Visa International Service Association Secure remote transaction system using mobile devices
US10491389B2 (en) 2017-07-14 2019-11-26 Visa International Service Association Token provisioning utilizing a secure authentication system
CN111819555A (en) 2018-03-07 2020-10-23 维萨国际服务协会 Secure remote token issuance with online authentication
US11256789B2 (en) 2018-06-18 2022-02-22 Visa International Service Association Recurring token transactions
WO2020236135A1 (en) 2019-05-17 2020-11-26 Visa International Service Association Virtual access credential interaction system and method

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US20020133412A1 (en) * 1997-03-07 2002-09-19 David M. Oliver System for management of transactions on networks
KR20030082187A (en) * 2002-04-17 2003-10-22 한국전자통신연구원 Access control method by a token with security attributes in computer system
US20090261162A1 (en) * 2007-02-23 2009-10-22 Kargman James B Secure system and method for payment card and data storage and processing via information splitting

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020133412A1 (en) * 1997-03-07 2002-09-19 David M. Oliver System for management of transactions on networks
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
KR20030082187A (en) * 2002-04-17 2003-10-22 한국전자통신연구원 Access control method by a token with security attributes in computer system
US20090261162A1 (en) * 2007-02-23 2009-10-22 Kargman James B Secure system and method for payment card and data storage and processing via information splitting

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP2697756A4 *

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105830414A (en) * 2013-10-01 2016-08-03 鲁库斯无线公司 Secure network access using credentials
CN105830414B (en) * 2013-10-01 2019-07-12 阿里斯企业有限责任公司 Use the network insertion of the safety of voucher

Also Published As

Publication number Publication date
WO2012142370A2 (en) 2012-10-18
EP2697756A2 (en) 2014-02-19
CA2832754C (en) 2019-08-27
CA2832754A1 (en) 2012-10-18
EP2697756A4 (en) 2014-09-10

Similar Documents

Publication Publication Date Title
WO2012142370A3 (en) Method and system for enabling merchants to share tokens
WO2012151590A3 (en) Systems and methods for enabling mobile payments
WO2012142045A3 (en) Multiple tokenization for authentication
AU2018260860A1 (en) Systems and methods for communicating risk using token assurance data
WO2012125759A3 (en) System and method for processing payment transactions
WO2014132194A3 (en) Methods and systems for providing payment credentials
WO2011153281A3 (en) Trusted internal interface
WO2012116113A3 (en) System and method including referral processing
WO2013192041A3 (en) Prepaid wallet for merchants
MY183363A (en) Controlling usage of acquirer tokens stored within a merchant system
WO2013041970A3 (en) Open wallet for electronic transactions
BR112017025783A2 (en) multimode payment systems and methods
MX350638B (en) System and methods for account creation using a feature phone.
HK1246465A1 (en) Computer implemented multi-currency invoice capture, trading, access and payment system
PH12018550040A1 (en) Systems and methods for facilitating secure electronic transactions
WO2013112640A3 (en) Ticket transfer
BR112016024155A2 (en) device, system and method for efficiently serving high volume electronic transactions
IN2015KN00479A (en)
IN2015KN00478A (en)
MX348918B (en) Trading circles.
WO2011031988A3 (en) Secure communication of payment information to merchants using a verification token
GB2545841A (en) Systems and methods for providing payment hotspots
SG11201708102YA (en) System, method and computer program for executing monetary transactions based on social information
WO2014039516A3 (en) Case for enclosing a personal electronic device and a card
MX340410B (en) Popup displays for financial transaction cards.

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 12772014

Country of ref document: EP

Kind code of ref document: A2

ENP Entry into the national phase

Ref document number: 2832754

Country of ref document: CA

NENP Non-entry into the national phase

Ref country code: DE

WWE Wipo information: entry into national phase

Ref document number: 2012772014

Country of ref document: EP