METHODS AND SYSTEMS FOR PROVIDING PAYMENT CREDENTIALS

摘要

The invention provides systems and methods for providing payment credentials usable in a transaction. A method conducted at a token processor, the token processor receives a request for single-use payment credentials from a communication device of a consumer. In response, the token processor obtains or generates single-use payment credentials and obtains or generates a loyalty identifier which is uniquely associated with the consumer. The token processor then transmits the single-use payment credentials and the loyalty identifier to the communication device as a combined single-use payment token capable of being presented using the communication device. In some embodiments, the loyalty identifier is the same for all requests by the consumer for single-use payment credentials, such that the loyalty identifier is usable by a merchant in updating a record of the consumer.

主权项

1. A method for providing payment credentials usable in a transaction, the method being conducted at a token processor and comprising the steps of:
receiving a request for single-use payment credentials from a communication device of a consumer, obtaining or generating single-use payment credentials; obtaining or generating a loyalty identifier being uniquely associated with the consumer; and transmitting the single-use payment credentials and the loyalty identifier to the communication device as a combined single-use payment token capable of being presented using the communication device.