Systems and methods for tone to token telecommunications platform
Methods and systems are disclosed for enabling the generation of a token corresponding to a tone generated by a telephony system, comprising receiving one or more dual tone multi-frequency (DTMF) tones generated by a telephony system, generating a token based on the one or more DTMF tones; and transmitting the generated token to a merchant system.
1. A method for generating a token corresponding to sensitive data, the method comprising:
receiving, by a processor separate from a merchant system, a dual tone multi-frequency (DTMF) tone encoding the sensitive data, wherein the DTMF tone was generated by a telephony system and was suppressed at the merchant system;
generating, by the processor, a low value token based on the DTMF tone;
generating, by the processor, a high-value token based on the low-value token, wherein the low-value token applies to one specific transaction and the high-value token applies to multiple transactions; and
transmitting, by the processor, the low-value token to the merchant system.
2. The method of claim 1 , wherein the sensitive data corresponds to cardholder data.
3. The method of claim 1 , wherein the low-value token is valid for a predetermined period of time.
4. The method of claim 1 , further comprising:
returning, by the processor, a transaction response to the merchant system along with the low-value token.
5. The method of claim 1 , further comprising:
generating or prompting a display corresponding to the received DTMF tone.
6. A system for generating a token corresponding to sensitive data, the system comprising:
a data storage device storing instructions for generating a token corresponding to sensitive data; and
a processor configured to execute the instructions to perform a method comprising:
receiving, from a merchant system, a dual tone multi-frequency (DTMF) tone encoding the sensitive data, wherein the DTMF tone was generated by a telephony system and was suppressed at the merchant system;
generating, by the processor, a low value token based on the DTMF tone;
generating, by the processor, a high-value token based on the low-value token, wherein the low-value token applies to one specific transaction and the high-value token applies to multiple transactions; and
transmitting, by the processor, the low-value token to the merchant system.
7. The system of claim 6 , wherein the sensitive data corresponds to cardholder data.
8. The system of claim 6 , wherein the low-value token is applicable to one specific transaction.
9. The system of claim 6 , wherein the method further comprises:
returning a transaction response to the merchant system along with the low-value token.
10. The system of claim 6 , wherein the method further comprises:
generating or prompting a display corresponding to the received DTMF tone.
11. A non-transitory computer-readable medium storing instructions that, when executed by a processor, cause the processor to perform a method for generating a token corresponding to sensitive data, the method comprising:
receiving, by the processor separate from a merchant system, a dual tone multi-frequency (DTMF) tone encoding the sensitive data, wherein the DTMF tone was generated by a telephony system and was suppressed at the merchant system;
generating, by the processor, a low value token based on the DTMF tone;
generating, by the processor, a high-value token based on the low-value token, wherein the low-value token applies to one specific transaction and the high-value token applies to multiple transactions; and
transmitting, by the processor, the low-value token to the merchant system.
12. The non-transitory computer-readable medium of claim 11 , wherein the sensitive data corresponds to cardholder data.
13. The non-transitory computer-readable medium of claim 11 , wherein the method further comprises:
returning, by the processor, a transaction response to the merchant system along with the low-value token.