Tokenisation of payment data

1. A tokenisation service provider processor configured to implement a method to generate tokenised card numbers tPANs associated with real card numbers PANs for digital payment transactions, the method comprising:

the tokenisation service provider processor receiving from a card issuer processor a request to generate one or more tokenised card numbers tPAN 1 . . . m ;

the tokenisation service provider processor generating and recording one or more tokenised card numbers tPAN 1 . . . m , wherein the one or more tPAN 1 . . . m are generated and recorded without an associated real card number PAN;

the tokenisation service provider processor receiving a request to tokenise a real card number PAN i from the card issuer processor, the request including the real card number PAN i ;

the tokenisation service provider processor recording a mapping of the real card number PAN i to a tokenised card number tPAN xE1 . . . m in a tokenisation service provider database; and

the tokenisation service provider processor issuing a response to the request to tokenise, the response including the tokenised card number tPAN xE1 . . . m .

2. The tokenisation service provider processor of claim 1 , wherein the issuing a response to the request to tokenise further comprises the tokenisation service provider processor communicating with the card issuer processor to provide the one or more tPAN 1 . . . m that have been generated.

3. The tokenisation service provider processor of claim 2 , wherein:

the tokenisation service provider processor receiving a real card number PAN i from the card issuer processor comprises the tokenisation service provider processor receiving a tokenised tPAN xE1 . . . m and a real card number PAN i ; and

the tokenisation service provider processor recording the mapping of the real card number PAN i to a tokenised card number tPAN xE1 . . . m in the tokenisation service provider database comprises the tokenisation service provider processor recording the mapping of the real card number PAN i to a tokenised card number tPAN x received from the card issuer processor.

4. The tokenisation service provider processor of claim 1 , wherein the tokenisation service provider generating and recording one or more tokenised card numbers tPAN 1 . . . m , comprises the tokenisation service provider generating one or more tokenised card numbers associated with one or more virtual card numbers vPAN 1 . . . m or identifiers N 1 . . . m recorded in the tokenisation service provider database, wherein a virtual card number vPAN or identifier N is not associated with a user or account and cannot be used to perform financial transactions.

5. The tokenisation service provider processor of claim 4 , wherein the tokenisation service provider processor is configured to map each tokenised card number tPAN 1 . . . m to a virtual card number vPAN 1 . . . m or identifier N 1 . . . m in the tokenisation service provider database.

6. The tokenisation service provider processor of claim 5 , wherein the method further comprises the tokenisation service provider processor communicating with the card issuer processor to send the virtual card numbers vPAN 1 . . . m or identifiers N 1 . . . m that are recorded as mapped in the tokenisation service provider database, to the card issuer processor.

7. The tokenisation service provider processor of claim 6 , wherein the tokenisation service provider processor receiving a real card number PAN i from the card issuer processor comprises the tokenisation service provider processor receiving a virtual card number vPAN xE1 . . . m or identifier N xE1 . . . m and a real card number PAN i ; and

the tokenisation service provider processor recording the mapping of the real card number PAN i to a tokenised card number tPAN xE1 . . . m in a database comprises the tokenisation service provider processor recording the mapping of the real card number PAN′ to the tokenised card number tPAN x that was previously associated with the virtual card number vPAN xE1 . . . m or identifiers N xE1 . . . m in the tokenisation service provider database.

8. The tokenisation service provider processor of claim 1 , wherein:

the tokenisation service provider processor receiving from the card issuer processor a request to generate one or more tokenised card numbers tPAN 1 . . . m comprises the tokenisation service provider processor receiving one or more virtual card numbers vPAN 1 . . . m from the card issuer processor, wherein a virtual card number vPAN is not associated with a user or account and cannot be used to perform financial transactions; and

the tokenisation service provider processor generating and recording one or more tokenised card numbers tPAN 1 . . . m comprises the tokenisation service provider processor generating and recording one or more tokenised card numbers tPAN 1 . . . m each associated with one of the one or more virtual card numbers vPAN 1 . . . m .

9. The tokenisation service provider processor of claim 8 , wherein the one or more virtual card numbers vPAN 1 . . . m have the same format as the real card numbers PAN to be associated with a tokenised card number tPAN, but the virtual card numbers vPAN 1 . . . m are not associated with a user or account.

10. The tokenisation service provider processor of claim 8 , wherein:

the tokenisation service provider processor receiving a real card number PAN i from the card issuer processor comprises the tokenisation service provider processor receiving a virtual card number vPAN xE1 . . . m or an identifier N xE1 . . . m , and a real card number PAN i ; and

the tokenisation service provider processor recording the mapping of the real card number PAN i to a tokenised card number tPAN xE1 . . . m in a database comprises the tokenisation service provider processor recording the mapping of the real card number PAN i to the tokenised card number tPAN x that was previously associated with the virtual card number vPAN xE1 . . . m or an identifier N xE1 . . . m .

11. The tokenisation service provider processor of claim 10 , wherein the method further comprises the tokenisation service provider processor generating and recording a new tokenised card number tPAN associated with the virtual card number vPAN xE1 . . . m or identifier N xE1 . . . m .

12. The tokenisation service provider processor of claim 1 , wherein:

the tokenisation service provider processor receiving from the card issuer processor a request to generate one or more tokenised card numbers tPAN 1 . . . m comprises the tokenisation service provider processor receiving one or more identifiers N 1 . . . m from the card issuer processor, wherein the one or more identifiers N 1 . . . m do not have the same attributes as a real card number PAN; and

the tokenisation service provider processor generating and recording one or more tokenised card numbers tPAN 1 . . . m comprises the tokenisation service provider processor generating and recording one or more tokenised card numbers tPAN 1 . . . m each associated with one of the one or more identifiers N 1 . . . m .

13. The processor of claim 1 , wherein the processor comprises an API allowing the card issuer processor to provide a real card number PAN i to be associated with a tokenised card number tPAN xE1 . . . m .

14. A method for a tokenisation service provider to generate tokenised card numbers tPANs associated with real card numbers PANs for digital payment transactions, the method comprising:

a tokenisation service provider processor receiving from a card issuer processor a request to generate one or more tokenised card numbers tPAN 1 . . . m ;

the tokenisation service provider processor generating and recording one or more tokenised card numbers tPAN 1 . . . m , wherein the one or more tPAN 1 . . . m are generated generated and recorded without an associated real card number PAN;

the tokenisation service provider processor receiving a request to tokenise a real card number PAN i from the card issuer processor, the request including the real card number PAN i ;

the tokenisation service provider processor recording a mapping of the real card number PAN i to a tokenised card number tPAN xE1 . . . m in a tokenisation service provider database; and

the tokenisation service provider processor issuing a response to the request to tokenise, the response including the tokenised card number tPAN xE1 . . . m .

15. A processor configured to perform a method for a card issuer to provide tokenised card numbers tPANs associated with real card numbers PANs for digital payment transactions, the method comprising:

the processor communicating with a tokenisation service provider processor to request the generation of one or more tokenised card numbers tPAN 1 . . . m , wherein the one or more tPAN 1 . . . m are generated and recorded without an associated real card number;

the processor receiving a consent from a user associated with the real card number PAN to share the real card number PAN; and

the processor communicating with a tokenisation service provider processor to request that the real card number PAN i be mapped to a tokenised card number PAN xE1 . . . m and that the mapping be recorded in a tokenisation service provider database.

16. The processor of claim 15 , wherein the processor communicating with the tokenisation service provider processor to request the generation of one or more tokenised card numbers tPAN 1 . . . m comprises the processor sending to the tokenisation service provider processor:

one or more identifiers N 1 . . . m , wherein the one or more identifiers N 1 . . . m do not have the same format as a real card number PAN, are not associated with a user or account and cannot be used to perform financial transactions; or

one or more virtual card numbers vPAN 1 . . . m , wherein each virtual card number vPAN has the same format as the real card numbers PAN to be associated with a tokenised card number tPAN but is not associated with a user or account and cannot be used to perform financial transactions.

17. The processor of claim 16 , wherein the processor communicating with the tokenisation service provider processor to request the generation of one or more tokenised card numbers tPAN 1 . . . m comprises the card issuer processor requesting that each tokenised card number tPAN 1 . . . m that is generated by the tokenisation service provider processor is mapped to a virtual card number vPAN 1 . . . m or identifier N 1 . . . m in the tokenisation service provider database.

18. The processor of claim 16 , wherein:

the processor is further configured to receive from the tokenisation service provider processor the virtual card numbers vPAN 1 . . . m or identifiers N 1 . . . m that are recorded as mapped in the tokenisation service provider database.

19. The processor of claim 18 , wherein the processor communicating with the tokenisation service provider processor to request that a real card number PAN′ be mapped to a tokenised card number PAN xE1 . . . m comprises the processor sending a virtual card number vPAN xE1 . . . m or identifier N xE1 . . . m and the real card number PAN i to the tokenisation service provider processor; and

the processor requesting that the mapping of the real card number PAN i to a tokenised card number tPAN xE1 . . . m be recorded in the tokenisation service provider database comprises the processor requesting that the mapping of the real card number PAN i to the tokenised card number tPAN x that was previously associated with the virtual card number vPAN xE1 . . . m or identifiers N xE1 . . . m be recorded in the tokenisation service provider database.

20. The processor of claim 19 , wherein the method further comprises the processor receiving from the tokenisation service provider processor a new tokenised card number tPAN associated with the virtual card number vPAN xE1 . . . m or identifier N xE1 . . . m and/or an indication that the virtual card number vPAN xE1 . . . m or identifier N xE1 . . . m is now associated with a new tPAN 1 . . . m which is not associated with a real card number.