SYSTEMS AND METHODS FOR SUBSTITUTE LOW-VALUE TOKENS IN SECURE NETWORK TRANSACTIONS
Methods and systems are disclosed for enabling the creation of substitute low-value token creation, comprising providing software content to a content delivery network wherein, when transmitted to a user browser, the software content is configured to enable the user browser to create a substitute low-value token if a token service is unavailable, wherein the content delivery network is configured to provide the software content to at least one user browser, and receiving the substitute low-value token from a merchant system, the substitute low-value token having been generated by the user browser in response to the user browser being unable to obtain a low-value token from the token service.
1 .- 20 . (canceled)
21 . A method for performing a secure electronic transaction using a substitute low-value token, the method comprising:
receiving, by an electronic transaction processor, an authorization request including the substitute low-value token from a merchant system, the substitute low-value token having been generated by a user browser based on a token service being unavailable and transmitted from the user browser to the merchant system; and
providing, by the electronic transaction processor, an authorization response to the merchant system, based on the authorization request including the substitute low-value token.
22 . The method of claim 21 , further comprising:
transmitting, by the electronic transaction processor, software content to a content delivery network, the software content comprising computer-executable instructions which, when executed by the user browser, cause the user browser to generate the substitute low-value token based on determining that the token service is unavailable.
23 . The method of claim 21 , further comprising:
converting, by the electronic transaction processor, the substitute low-value token to a primary token; and
transmitting, by the electronic transaction processor, the primary token to the merchant system.
24 . The method of claim 23 , wherein the primary token is reusable for subsequent electronic transactions by the merchant system.
25 . The method of claim 21 , wherein the software content comprises a public key to encrypt cardholder data in the substitute low-value token.
26 . The method of claim 21 , wherein the substitute low-value token comprises encrypted cardholder data.
27 . The method of claim 21 , wherein the software content is transmitted to the user browser in response to the user browser being unable to access the token service.
28 . An electronic transaction processor for performing a secure electronic transaction using a substitute low-value token, the electronic transaction processor comprising:
a memory configured to store instructions; and
a processor configured to execute the instructions to perform operations comprising:
receiving an authorization request including the substitute low-value token from a merchant system, the substitute low-value token having been generated by a user browser based on a token service being unavailable and transmitted from the user browser to the merchant system; and
providing an authorization response to the merchant system, based on the authorization request including the substitute low-value token.
29 . The electronic transaction processor of claim 28 , wherein the operations further comprise:
transmitting software content to a content delivery network, the software content comprising computer-executable instructions which, when executed by the user browser, cause the user browser to generate the substitute low-value token based on determining that the token service is unavailable.
30 . The electronic transaction processor of claim 28 , wherein the operations further comprise:
converting the substitute low-value token to a primary token; and
transmitting the primary token to the merchant system.
31 . The electronic transaction processor of claim 30 , wherein the primary token is reusable for subsequent electronic transactions by the merchant system.
32 . The electronic transaction processor of claim 28 , wherein the software content comprises a public key to encrypt cardholder data in the substitute low-value token.
33 . The electronic transaction processor of claim 28 , wherein the substitute low-value token comprises encrypted cardholder data.
34 . The electronic transaction processor of claim 28 , wherein the software content is transmitted to the user browser in response to the user browser being unable to access the token service.
35 . A non-transitory computer-readable medium storing instructions that, when executed by a processor for performing a secure electronic transaction using a substitute low-value token, cause the processor to perform operations comprising:
receiving an authorization request including the substitute low-value token from a merchant system, the substitute low-value token having been generated by a user browser based on a token service being unavailable and transmitted from the user browser to the merchant system; and
providing an authorization response to the merchant system, based on the authorization request including the substitute low-value token.
36 . The non-transitory computer-readable medium of claim 35 , wherein the operations further comprise:
transmitting software content to a content delivery network, the software content comprising computer-executable instructions which, when executed by the user browser, cause the user browser to generate the substitute low-value token based on determining that the token service is unavailable.
37 . The non-transitory computer-readable medium of claim 35 , wherein the operations further comprise:
converting the substitute low-value token to a primary token; and
transmitting the primary token to the merchant system.
38 . The non-transitory computer-readable medium of claim 37 , wherein the primary token is reusable for subsequent electronic transactions by the merchant system.
39 . The non-transitory computer-readable medium of claim 35 , wherein the software content comprises a public key to encrypt cardholder data in the substitute low-value token.
40 . The non-transitory computer-readable medium of claim 35 , wherein the substitute low-value token comprises encrypted cardholder data.