Systems and methods for linking high-value tokens using a low-value token
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.
1. A method for performing secure electronic transactions utilizing tokens, comprising:
receiving, by a transaction processor server from a browser, sensitive data associated with a user to execute an electronic transaction;
generating, by the transaction processor server, a low-value token by tokenizing the sensitive data associated with the user;
providing, by the transaction processor server, the low-value token to the browser;
receiving, by the transaction processor server, the low-value token from a merchant server, after the low-value token has been transmitted from the browser to the merchant server;
converting, by the transaction processor server, the low-value token to a high-value token, the high-value token being usable by the merchant server to execute subsequent electronic transactions; and
providing, by the transaction processor server, the high-value token to the merchant server.
2. The method of claim 1 , wherein the low-value token i) acts as a replacement for the sensitive data associated with the user and ii) is incapable of executing subsequent electronic transactions.
3. The method of claim 1 , wherein the electronic transaction is an online card-not-present (CNP) transaction.
4. The method of claim 1 , wherein the sensitive data associated with the user comprises at least one of: a personal account number (PAN), a card verification value (CVV), and an expiration date.
5. The method of claim 1 , further comprising:
receiving, by the transaction processor server, the high-value token from the merchant server;
retrieving, by the transaction processor server, the low-value token from a data storage based on the high-value token; and
providing, by the transaction processor server, the low-value token to the merchant server, wherein the low-value token is transmitted from the merchant server to a second merchant server.
6. The method of claim 5 , further comprising:
receiving, by the transaction processor server, the low-value token from the second merchant server, after the low value token has been transmitted from the merchant server to the second merchant server;
generating, by the transaction processor server, a second high-value token based on the low-value token, the second high-value token being linked to the high-value token by the low-value token; and
providing, by the transaction processor server, the second high-value token to the second merchant server.
7. The method of claim 6 , wherein the second high-value token is usable by the second merchant server to perform one or more of: obtaining activity data associated with the user and executing subsequent electronic transactions.
8. A system for performing secure electronic transactions utilizing tokens, the system comprising:
a data storage device storing instructions; and
one or more processors configured to execute the instructions to perform a method comprising:
receiving, by a transaction processor server from a browser, sensitive data associated with a user to execute an electronic transaction;
generating, by the transaction processor server, a low-value token by tokenizing the sensitive data associated with the user;
providing, by the transaction processor server, the low-value token to the browser;
receiving, by the transaction processor server, the low-value token from a merchant server, after the low-value token has been transmitted from the browser to the merchant server;
converting, by the transaction processor server, the low-value token to a high-value token, the high-value token being usable by the merchant server to execute subsequent electronic transactions; and
providing, by the transaction processor server, the high-value token to the merchant server.
9. The system of claim 8 , wherein the low-value token i) acts as a replacement for the sensitive data associated with the user and ii) is incapable of executing subsequent electronic transactions.
10. The system of claim 8 , wherein the electronic transaction is an online card-not-present (CNP) transaction.
11. The system of claim 8 , wherein the sensitive data associated with the user comprises at least one of: a personal account number (PAN), a card verification value (CVV), and an expiration date.
12. The system of claim 8 , wherein the method further comprises:
receiving, by the transaction processor server, the high-value token from the merchant server;
retrieving, by the transaction processor server, the low-value token from a data storage based on the high-value token; and
providing, by the transaction processor server, the low-value token to the merchant server, wherein the low-value token is transmitted from the merchant server to a second merchant server.
13. The system of claim 12 , wherein the method further comprises:
receiving, by the transaction processor server, the low-value token from the second merchant server, after the low value token has been transmitted from the merchant server to the second merchant server;
generating, by the transaction processor server, a second high-value token based on the low-value token, the second high-value token being linked to the high-value token by the low-value token; and
providing, by the transaction processor server, the second high-value token to the second merchant server.
14. The system of claim 13 , wherein the second high-value token is usable by the second merchant server to perform one or more of: obtaining activity data associated with the user and executing subsequent electronic transactions.
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 performing secure electronic transactions utilizing tokens, the method comprising:
receiving, by a transaction processor server from a browser, sensitive data associated with a user to execute an electronic transaction;
generating, by the transaction processor server, a low-value token by tokenizing the sensitive data associated with the user;
providing, by the transaction processor server, the low-value token to the browser;
receiving, by the transaction processor server, the low-value token from a merchant server, after the low-value token has been transmitted from the browser to the merchant server;
converting, by the transaction processor server, the low-value token to a high-value token, the high-value token being usable by the merchant server to execute subsequent electronic transactions; and
providing, by the transaction processor server, the high-value token to the merchant server.
16. The computer-readable medium of claim 15 , wherein the low-value token i) acts as a replacement for the sensitive data associated with the user and ii) is incapable of executing subsequent electronic transactions.
17. The computer-readable medium of claim 15 , wherein the electronic transaction is an online card-not-present (CNP) transaction.
18. The computer-readable medium of claim 15 , wherein the sensitive data associated with the user comprises at least one of: a personal account number (PAN), a card verification value (CVV), and an expiration date.
19. The computer-readable medium of claim 15 , wherein the method further comprises:
receiving, by the transaction processor server, the high-value token from the merchant server;
retrieving, by the transaction processor server, the low-value token from a data storage based on the high-value token; and
providing, by the transaction processor server, the low-value token to the merchant server, wherein the low-value token is transmitted from the merchant server to a second merchant server.
20. The computer-readable medium of claim 19 , wherein the method further comprises:
receiving, by the transaction processor server, the low-value token from the second merchant server, after the low value token has been transmitted from the merchant server to the second merchant server;
generating, by the transaction processor server, a second high-value token based on the low-value token, the second high-value token being linked to the high-value token by the low-value token; and
providing, by the transaction processor server, the second high-value token to the second merchant server.