Network gateway messaging systems and methods

1. A method, comprising:

executing instructions by a processor of a network gateway to:

receive a message from a first party that comprises a payload comprising a token and content destined for a second party, the token being associated with sensitive information, the message comprising a network-based protocol request and a token replacement scheme, the token replacement scheme is indicative of a location of the token within the message and specifies a format of the token;

locate the token in the message using the token replacement scheme;

replace the token with the sensitive information within the payload; and

forward the message with the sensitive information to the second party.

2. The method according to claim 1 , wherein the token replacement scheme is incorporated into a header of the network-based protocol request or another location in the message that is not the payload.

3. The method according to claim 1 , wherein the processor further executes the instructions to generate a token replacement scheme by the first party; and

applying the token replacement scheme, by a network gateway, to locate the token within the payload.

4. The method according to claim 1 , wherein the processor further executes the instructions to store the token and the sensitive information in a digital vault of the network gateway prior to receiving the message from the first party.

5. The method according to claim 1 , wherein the processor further executes the instructions to:

receive a tokenization request that comprises the sensitive information;

generate the token from the sensitive information;

replace the sensitive information in the tokenization request with the token at a location of the sensitive information; and

transmit the tokenization request back to the first party that includes the token in place of the sensitive information.

6. The method according to claim 1 , wherein the payload comprises a pre-negotiated message format for the second party.

7. The method according to claim 1 , wherein the processor further executes the instructions to transmit the token or the sensitive information to the first party from a digital vault.

8. The method according to claim 7 , further comprising receiving, by the first party using a first party system, a failure message that indicates that the network gateway has failed to forward the message.

9. The method according to claim 8 , further comprising:

replacing, by the first party using the first party system, the token with the sensitive information; and

transmitting, by the first party using the first party system, the message directly to the second party when the first party receives the failure message.

10. The method according to claim 1 , wherein the processor further executes the instructions to apply a token replacement scheme to the message to locate the token, wherein the token is located at a particular location within the message and the token replacement scheme comprises instructions for finding the location of the token.

11. The method according to claim 1 , wherein the token is embedded and wrapped with token identifying data; and a network gateway locates the token by searching the message for the token identifying data or locating the token using a pre-negotiated token replacement scheme.

12. A system, comprising:

a processor; and

a memory storing logic that is executable by the processor to:

receive a message from a client that comprises a payload and a token, the token representing sensitive information, the message comprising:

an endpoint that directs the message to a network gateway;

authentication credentials; and

content destined for a second party, the token being associated with sensitive information;

a network-based protocol request; and

a token replacement scheme, the token replacement scheme being indicative of a location of a token within the message and a format of the token, the token representing sensitive information;

authenticate the client with the authentication credentials;

replace the token with the sensitive information using the location specified by the token replacement scheme; and

forward the message with the sensitive information to a receiving system.

13. The system according to claim 12 , wherein the message comprises a header and the endpoint, authentication credentials, and token locator reside in a header of the message, further wherein the system is configured to remove the header from the message prior to forwarding to the receiving system.