SYSTEMS AND METHODS FOR SMART TOKEN ALLOCATION SCHEME

摘要

During token and PAN provisioning, instead of just having one token per one PAN for a single use case (PAN), between 1 and N tokens per a single PAN are provisioned. During provisioning a decision engine will supply additional details that are applied to each token. This additional information is stored in a token virtual vault that houses the mapping between PAN and token. Then, during a transaction, the decision engine chooses which token to give to the merchant to process business as usual. When the token comes into the network, additional information associated with that individual token may be identified. This information may be conveyed to a transaction account Issuer in substantially real time on and/or appended to the transactional message.

主权项

1. A method comprising:
receiving, by a computer-based system configured for processing token information, a selection of a transaction account code; provisioning, by the computer-based system, a plurality of tokens per received transaction account code, wherein each token of the plurality of token is associated in a virtual vault according to a method of authentication to be used with the token; and transmitting, by the computer-based system, the plurality of tokens to an e-wallet application.