IP Library Granted Patent US 11,361,297
Granted Patent B2
US 11,361,297 · App. 16/911,547 · Granted Jun 14, 2022

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

Inventor: Brant Peterson (Denver, CO)
Assignee: Wordpay, LLC
G06Q20/206H04L63/0421H04L63/0428
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Quick Facts
Patent No.
US 11,361,297
App. No.
16/911,547
Granted
Jun 14, 2022
Kind
B2
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 (42)

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

receiving, by a transaction processor server, a first high-value token from a first electronic data server;

generating, by the transaction processor server, a low-value token corresponding to the first high-value token;

transmitting, by the transaction processor server; the low-value token to at least one of: the first electronic data server or a second electronic data server;

receiving, by the transaction processor server, the low-value token from the second electronic data server;

generating, by the transaction processor server, a second high-value token corresponding to the low-value token, the second high-value token being linked with the first high-value token; and

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

2. The computer-implemented method of claim 1 , wherein the first and second high-value tokens are each capable of facilitating subsequent electronic transactions.

3. The computer-implemented method of claim 1 , wherein the low-value token is i) associated with sensitive data of a user and ii) incapable of facilitating subsequent electronic transactions.

4. The computer-implemented method of claim 3 , wherein the sensitive data of the user comprises one or more of: a personal account number (PAN) and a card verification value (CVV).

5. The computer-implemented method of claim 1 , further comprising:

receiving, by the transaction processor server, a request for the low-value token from the first electronic data server.

6. The computer-implemented method of claim 5 , wherein the request comprises an identifier associated with the second electronic data server, the identifier associated with the second electronic data server being used to transmit the low-value token to the second electronic data server.

7. The computer-implemented method of claim 1 , wherein the second high-value token is generated based on one of: the low-value token or the first high-value token.

8. The computer-implemented method of claim 1 , wherein the second high-value token is usable by the second electronic data server to obtain electronic transaction activity data associated with a user.

9. The computer-implemented method of claim 8 , wherein the electronic transaction activity data comprises data pertaining to electronic transactions performed at the first electronic data server.

10. The computer-implemented method of claim 8 , wherein the electronic transaction activity data comprises data pertaining to electronic transactions performed at the second electronic data server.

11. A system comprising:

at least one processor;

at least one data storage storing instructions which, when executed by the at least one processor, cause the at least one processor to perform operations for linking high-value tokens using a low-value token, the operations comprising:

receiving, by a transaction processor server, a first high-value token from a first electronic data server;

generating, by the transaction processor server, a low-value token corresponding to the first high-value token;

transmitting, by the transaction processor server; the low-value token to at least one of: the first electronic data server or a second electronic data server;

receiving, by the transaction processor server, the low-value token from the second electronic data server;

generating, by the transaction processor server, a second high-value token corresponding to the low-value token, the second high-value token being linked with the first high-value token; and

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

12. The system of claim 11 , wherein the first and second high-value tokens are each capable of facilitating subsequent electronic transactions.

13. The system of claim 11 , wherein the low-value token is i) associated with sensitive data of a user and ii) incapable of facilitating subsequent electronic transactions.

14. The system of claim 13 , wherein the sensitive data of the user comprises one or more of: a personal account number (PAN) and a card verification value (CVV).

15. The system of claim 11 , the operations further comprising:

receiving, by the transaction processor server, a request for the low-value token from the first electronic data server.

16. The system of claim 15 , wherein the request comprises an identifier associated with the second electronic data server, the identifier associated with the second electronic data server being used to transmit the low-value token to the second electronic data server.

17. The system of claim 11 , wherein the second high-value token is generated based on one of: the low-value token or the first high-value token.

18. The system of claim 11 , wherein the second high-value token is usable by the second electronic data server to obtain electronic transaction activity data associated with a user.

19. The system of claim 18 , wherein the electronic transaction activity data comprises data pertaining to electronic transactions performed at the first electronic data server.

20. At least one non-transitory computer readable medium comprising instructions which, when executed by at least one processor, cause the at least one processor to perform operations for linking high-value tokens using a low-value token, the operations comprising:

receiving, by a transaction processor server, a first high-value token from a first electronic data server;

generating, by the transaction processor server, a low-value token corresponding to the first high-value token;

transmitting, by the transaction processor server; the low-value token to at least one of: the first electronic data server or a second electronic data server;

receiving, by the transaction processor server, the low-value token from the second electronic data server;

generating, by the transaction processor server, a second high-value token corresponding to the low-value token, the second high-value token being linked with the first high-value token; and

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

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 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 25, 2020
From: PETERSON, BRANT
To: VANTIV, LLC
Reel/Frame 053041/0222 →
CHANGE OF NAME Recorded Jun 25, 2020
From: VANTIV, LLC
To: WORLDPAY, LLC
Reel/Frame 053047/0522 →
Continuity (3)
Continuation 16515784 · Jul 18, 2019
Continuation 15368241 · Dec 2, 2016
Related Publication 20200327527A1 · Oct 15, 2020