Patent ID: 11893588
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer system, comprising:
a token database configured to store payment tokens; and
a server system comprising a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to:
receive a request to provision a payment token based on a financial product;
determine limited use restrictions to be placed on the payment token, wherein the limited use restrictions restrict use of the payment token to payment via a specific mobile wallet and restrict a set of specific data fields corresponding to a user preference which a merchant is allowed to access;
generate a limited use key based the limited use restrictions to be placed on the payment token;
store the payment token and the limited use key in the token database;
provision the payment token and the limited use key based on the request to provision the payment token, wherein the limited use key is separate from the payment token, and wherein the payment token is useable by the merchant to make a payment via the financial product when the payment is in compliance with the limited use key that is transmitted with the payment token;
in response to being presented with the payment token and the limited use key for processing of the payment from the merchant, verify that the merchant is allowed to access a specific data field for processing of the payment; and
in response to verifying that the merchant is allowed to access the specific data field for processing of the payment, retrieving, from the token database, the specific data field and transmitting the specific data field to the merchant.