Patent ID: 9256871
Filing Date: 2016-02-09
CPC Classification: G06Q

Claim Text:
1. A method comprising: receiving, by a payment processor computer, via a graphical user interface on a merchant computer operated by a merchant, a merchant-configured token format from the merchant, wherein the graphical user interface is configured to allow the merchant to specify a length of characters or character set in the merchant-configured token format, wherein the merchant-configured token format specifies at least one of the length and characters of tokens to be generated; after receiving the merchant-configured token format, storing, by the payment processor computer, the merchant-configured token format received from the merchant computer in a database; after the merchant-configured token format is stored, receiving, by the payment processor computer, from the merchant, a payment account number from a customer during a first transaction with the merchant; generating or receiving, by the payment processor computer, an authorization request message comprising the payment account number; sending, by the payment processor computer, the authorization request message comprising the payment account number to an issuer computer associated with the payment account number; receiving, by the payment processor computer, an authorization response message comprising the payment account number from the issuer computer; after receiving the authorization response message from the issuer computer, retrieving, by the payment processor computer, the merchant-configured token format from the database; generating, by the payment processor computer, a token associated with the payment account number using the retrieved merchant-configured token format, the token including a set of characters, wherein the token conforms to the merchant-configured token format; and sending, by the payment processor computer, to the merchant the token associated with the payment account number, wherein the token is stored at the merchant.