Expedited E-commerce tokenization
Expedited E-Commerce Tokenization alleviates concerns associated with cards for merchants as well as payment service providers (PSPs) using tokens by establishing E-Commerce browser standards around tokenization for merchants and PSPs through a standard manner of requesting customer data in an encrypted manner following a standard.
1. A computerized method of communicating data to and from a secure storage environment for payment systems comprising:
identifying, by a token requestor, a first token tag and a second token tag on a purchase payment page of a merchant, said purchase payment page being presented to a user;
providing, by the token requestor, to the user an option to select a payment device on the purchase payment page of the merchant;
receiving, by the token requestor, a selection of the payment device from the user on the purchase payment page of the merchant;
in response to the selection of the payment device from the user on the purchase payment page of the merchant, encrypting, by the token requestor, data of the payment device, wherein the first token tag or the second token tag is part of the encrypted data;
creating, by the token requestor, a unified token data tag structure, the unified data structure storing at least the encrypted data of the payment device in a plurality of data fields arranged in a consistent order;
receiving a single request from the merchant for one of the plurality of data fields; and
providing, by the token requestor, at least one of the plurality of data fields to the purchase payment page of the merchant to complete a payment by the user.
2. The computerized method of claim 1 , wherein the first token tag comprises a token ready tag.
3. The computerized method of claim 1 , wherein the second token tag comprises a token client identification (ID) tag.
4. The computerized method of claim 1 , further comprising enabling the first token tag or the second token tag to be visible to the user on the purchase payment page.
5. The computerized method of claim 1 , wherein the single request comprises a request for data of a valid payment device.
6. The computerized method of claim 1 , wherein the encrypted data in the unified token data tag structure comprises a proxy of the personal account number.
7. The computerized method of claim 5 , wherein the requested data is provided to the merchant which displays the data of the valid payment device despite a portion of the data being expired.
8. The computerized method of claim 2 , wherein the portion of the data comprises expiration data of the payment device.
9. The computerized method of claim 1 , wherein the plurality of data fields includes one or more of a consumer name, last four digits of a payment card, shipping address, and billing address.
10. A token-based payment service platform for processing payment requests from a merchant comprising:
a token server configured to:
validate a first token tag and a second token tag from a token requester, said first token tag and the second token tag being present on a purchase payment page of the merchant, said purchase payment page being presented to a user;
provide an option to the user to select a payment device on the purchase payment page of the merchant;
receive a selection of a payment device from the user on the purchase payment page of the merchant;
in response to the selection of the payment device from the user on the purchase payment page of the merchant, encrypt data of the payment device, wherein the first token tag or the second token tag is part of the encrypted data;
create a unified token data tag structure, the unified data structure storing at least the encrypted data of the payment device in a plurality of data fields arranged in a consistent order;
receive a single request from the merchant for one of the plurality of data fields;
provide at least one of the plurality of data fields to the purchase payment page of the merchant to complete a payment by the user.
11. The token-based payment service platform of claim 10 , wherein the first token tag comprises a token ready tag.
12. The token-based payment service platform of claim 10 , wherein the second token tag comprises a token client identification (ID) tag.
13. The token-based payment service platform of claim 10 , wherein the token server is configured to enable the first token tag or the second token tag to be visible to the user on the purchase payment page.
14. The token-based payment service platform of claim 10 , wherein the single request comprises a request for data of a valid payment device.
15. The token-based payment service platform of claim 10 , wherein the encrypted data in the unified token data tag structure comprises a proxy of the personal account number.
16. The token-based payment service platform of claim 10 , wherein the token server is configured to provide to the merchant for display the data of the valid payment device despite a portion of the data being expired.
17. The token-based payment service platform of claim 10 , wherein the portion of the data comprises expiration data of the payment device.
18. The token-based payment service platform of claim 10 , wherein the plurality of data fields includes one or more of a consumer name, last four digits of a payment card, shipping address, and billing address.