Patent ID: 9652770
Date: 2017-05-16
CPC Classifications: G06Q

Claim:
1. A computer-implemented method performed by one or more processors of a mobile wallet computer system, comprising: receiving, by network interface logic of the mobile wallet computer system, a fund access request from a mobile device of a user having a mobile wallet account provided by the mobile wallet computer system; based on the fund access request, generating, by a token generator of the mobile wallet computer system, a payment token unique to a payment transaction and a tokenized card number, and wherein generating the tokenized card number comprises: replacing an issuer identifier of an actual card number of the user with an issuer identifier number that belongs to a financial institution providing the mobile wallet computer system; generating a plurality of generated numbers and replacing an equivalent number of digits in the actual card number with the plurality of generated numbers, wherein the plurality of generated numbers do not match the digits in the actual card number, and wherein the plurality of generated numbers includes a trace identification number based on the mobile wallet account of the user; and retaining at least the last four digits of the actual card number; sending, by the network interface logic of the mobile wallet computer system, a code in track receiving, by the network interface logic of the mobile wallet computer system, a code in track determining, by account processing logic of the mobile wallet computer system, the actual card number based on the received code, including retrieving the trace identification number stored within the tokenized card number and determining the actual card number associated with both the trace identification number and the payment token; verifying, by transaction verification logic of the mobile wallet computer system, the tokenized card number based on the generated numbers of the tokenized card number, including the trace identification number; and sending, by the network interface logic of the mobile wallet computer system, the actual card number and the trace identification number to the acquirer processor computer system in track