IP Library Granted Patent US 10,402,808
Granted Patent B1
US 10,402,808 · App. 15/368,241 · Granted Sep 3, 2019

Systems and methods for linking high-value tokens using a low-value token

Inventor: Brant Peterson (Denver, CO)
Assignee: Worldpay, LLC
G06Q20/206H04L63/0421
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Quick Facts
Patent No.
US 10,402,808
App. No.
15/368,241
Granted
Sep 3, 2019
Kind
B1
Abstract

Embodiments include methods and systems for linking high-value tokens using a low-value token, comprising receiving, from an electronic data server, a first high-value token and a request for a low-value token, the first high-value token being associated with sensitive data associated with a user, and the low-value token being associated with a subset of the sensitive data associated with the user. The methods and systems further comprise providing the low-value token to the electronic data server, and receiving, from a second electronic data server, the low-value token and a request for a second high-value token, the low-value token having been provided to the second electronic data server by the electronic data server. The methods and systems further comprise generating a second high-value token associated with the sensitive data associated with the user, and providing the second high-value token to the second electronic data server.

Claims (46)

1. A method for linking high-value tokens using a low-value token, comprising:

receiving, at a transaction processor server from an electronic data server, a first high-value token and a request for a low-value token associated with the first high-value token, the first high-value token being associated with sensitive data associated with a user and being usable by the electronic data server to perform one or more of: obtaining activity data associated with the user and facilitating subsequent electronic transactions, and the low-value token being associated with a subset of the sensitive data associated with the user and being incapable of facilitating an electronic transaction;

retrieving, by the transaction processor server, the low-value token from a database;

providing, by the transaction processor server, the low-value token to the electronic data server;

receiving, at the transaction processor server from a second electronic data server, the low-value token and a request for a second high-value token, the low-value token having been provided to the second electronic data server by the electronic data server;

generating, by the transaction processor server, a second high-value token associated with the sensitive data associated with the user, the second high-value token being linked to the first high-value token by the low-value token and being usable by the second electronic data server to perform one or more of: obtaining activity data associated with the user and facilitating subsequent electronic transactions; and

providing, by the transaction processor server, the second high-value token to the second electronic data server.

2. The method of claim 1 , further comprising:

receiving, from the electronic data server, the first high-value token and a request for activity data associated with the user; and

providing, to the electronic data server, the activity data associated with the user, the activity data being associated with the first high-value token and the second high-value token.

3. The method of claim 2 , wherein the activity data comprises purchasing activity of the user.

4. The method of claim 1 , wherein the low-value token is an anonymous token.

5. The method of claim 1 , wherein the low-value token is a one-time-use token.

6. The method of claim 1 , wherein the first high-value token and the second high-value token are both associated with at least a subset of the sensitive data associated with the user.

7. The method of claim 6 , wherein the at least a subset of the sensitive data comprises a personal account number.

8. A system for linking high-value tokens using a low-value token, the system comprising:

a data storage device storing instructions for linking high-value tokens using a low-value token; and

a processor configured to execute the instructions to perform a method comprising:

receiving, from an electronic data server, a first high-value token and a request for a low-value token associated with the first high-value token, the first high-value token being associated with sensitive data associated with a user and being usable by the electronic data server to perform one or more of: obtaining activity data associated with the user and facilitating subsequent electronic transactions, and the low-value token being associated with a subset of the sensitive data associated with the user and being incapable of facilitating an electronic transaction;

retrieving, by the transaction processor server, the low-value token from a database;

providing the low-value token to the electronic data server;

receiving, from a second electronic data server, the low-value token and a request for a second high-value token, the low-value token having been provided to the second electronic data server by the electronic data server;

generating a second high-value token associated with the sensitive data associated with the user, the second high-value token being linked to the first high-value token by the low-value token and being usable by the second electronic data server to perform one or more of: obtaining activity data associated with the user and facilitating subsequent electronic transactions; and

providing the second high-value token to the second electronic data server.

9. The system of claim 8 , the processor executing a method further comprising:

receiving, from the electronic data server, the first high-value token and a request for activity data associated with the user; and

providing, to the electronic data server, the activity data associated with the user, the activity data being associated with the first high-value token and the second high-value token.

10. The system of claim 9 , wherein the activity data comprises purchasing activity of the user.

11. The system of claim 8 , wherein the low-value token is an anonymous token.

12. The system of claim 8 , wherein the low-value token is a one-time-use token.

13. The system of claim 8 , wherein the first high-value token and the second high-value token are both associated with at least a subset of the sensitive data associated with the user.

14. The system of claim 13 , wherein the at least a subset of the sensitive data comprises a personal account number.

15. A non-transitory computer-readable medium storing instructions that, when executed by a transaction processor server, cause the transaction processor server to perform a method for linking high-value tokens using a low-value token, the method comprising:

receiving, from an electronic data server, a first high-value token and a request for a low-value token associated with the first high-value token, the first high-value token being associated with sensitive data associated with a user and being usable by the electronic data server to perform one or more of: obtaining activity data associated with the user and facilitating subsequent electronic transactions, and the low-value token being associated with a subset of the sensitive data associated with the user and being incapable of facilitating an electronic transaction;

retrieving, by the transaction processor server, the low-value token from a database;

providing the low-value token to the electronic data server;

receiving, from a second electronic data server, the low-value token and a request for a second high-value token, the low-value token having been provided to the second electronic data server by the electronic data server;

generating a second high-value token associated with the sensitive data associated with the user, the second high-value token being linked to the first high-value token by the low-value token and being usable by the second electronic data server to perform one or more of: obtaining activity data associated with the user and facilitating subsequent electronic transactions; and

providing the second high-value token to the second electronic data server.

16. The computer-readable medium of claim 15 , the transaction processor performing a method further comprising:

receiving, from the electronic data server, the first high-value token and a request for activity data associated with the user; and

providing, to the electronic data server, the activity data associated with the user, the activity data being associated with the first high-value token and the second high-value token.

17. The computer-readable medium of claim 16 , wherein the activity data comprises purchasing activity of the user.

18. The computer-readable medium of claim 15 , wherein the low-value token is an anonymous token.

19. The computer-readable medium of claim 15 , wherein the low-value token is a one-time-use token.

20. The computer-readable medium of claim 15 , wherein the first high-value token and the second high-value token are both associated with at least a subset of the sensitive data associated with the user.

Assignments (6)
RELEASE OF SECURITY INTERESTS RECORDED AT REEL/FRAMES 066626/0655, 066625/0426, 066625/0347, AND 066625/0276 Recorded Jan 12, 2026
From: WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
To: WORLDPAY, LLC; WORLDPAY ISO AND ECOMMERCE, LLC; PAYMETRIC, LLC; WORLDPAY US, LLC
Reel/Frame 074314/0622 →
RELEASE OF SECURITY INTEREST IN INTELLECTUAL PROPERTY RECORDED AT R/F 066624/0719 Recorded Jan 12, 2026
From: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
To: WORLDPAY, LLC
Reel/Frame 074315/0412 →
SECURITY INTEREST Recorded Feb 19, 2024
From: WORLDPAY, LLC
To: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
Reel/Frame 066624/0719 →
SECURITY INTEREST Recorded Feb 19, 2024
From: WORLDPAY, LLC
To: WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
Reel/Frame 066626/0655 →
CHANGE OF NAME Recorded Aug 6, 2018
From: VANTIV, LLC
To: WORLDPAY, LLC
Reel/Frame 046723/0234 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 4, 2017
From: PETERSON, BRANT
To: VANTIV, LLC
Reel/Frame 040842/0488 →
Cited By (5)
US 12,299,660 US 12,309,277 US 12,423,454 US 12,423,455 US 12,694,143