Patent ID: 11915235
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 11:
12. A system comprising:
a token processing server computer comprising a processor and a non-transitory computer readable medium storing executable code that, when executed by the processor, causes the processor to:
assign a payment token issuer identifier to an issuer, wherein the payment token issuer identifier is static for the issuer for all accounts issued by the issuer;
store a correspondence between the payment token issuer identifier, the issuer and a publicly available real identification number of the issuer at a restricted-access database;
generate a payment token corresponding to an account identifier issued by the issuer, the payment token comprising the payment token issuer identifier of the issuer that replaces and obfuscates the publicly available real identification number of the issuer wherein all payment tokens generated for accounts issued by the issuer include same payment token issuer identifier;
transmit the payment token to a token requestor via a token requestor communication interface provided by the token processing server computer, wherein the token requestor is authorized to receive the payment token through the token requestor communication interface

a transaction processing server computer comprising a processor and a non-transitory computer readable medium storing executable code that, when executed by the processor, causes the processor to:
receive an authorization request message comprising the payment token wherein the authorization request message is associated with a transaction;
process the transaction, processing includes:
determining a real account identifier associated with the payment token;
generating a modified authorization request message comprising the real account identifier; and
accessing the restricted-access database, wherein the transaction processing server computer has permission to access the restricted-access database;
identifying the issuer identified by the payment token issuer identifier at the restricted-access database;
identifying an issuer communication interface provided by the token processing server computer; and
transmitting, via the issuer communication interface, the modified authorization request message to the issuer identified by the payment token issuer identifier, wherein the issuer is authorized to obtain the real account identifier through the issuer communication interface.