Patent ID: 8688589
Filing Date: 2014-04-01
Classification: G06Q

Abstract:
1. A method of sharing a token associated with cardholder data (CHD) to enable the sharing of the CHD between users, the method comprising: receiving, by a token access system implemented in a computing system comprising one or more processors, an identity of a token associated with CHD of a cardholder and an identity of a second merchant from a first merchant; determining, by the token access system, from a plurality of tokenization provider systems a tokenization provider system that generated the token wherein the determination is performed by using the identity of the token; accessing, by the token access system, an authorization factor pool associated with the determined tokenization provider system from a database storing a plurality of authorization pools, wherein each of the tokenization provider systems is associated with a different authorization factor pool from the plurality of authorization factor pools; generating, by the token access system, an authorization factor using the accessed authorization factor pool; associating, by the token access system, the authorization factor with the token and the second merchant; transmitting, by the token access system, the authorization factor to the second merchant; receiving, by the token access system, the authorization factor from the second merchant; determining, by the token access system, a corresponding authorization factor pool based on the authorization factor received from the second merchant and determining a corresponding tokenization provider system based on the determined corresponding authorization pool; sending, by the token access system, the identity of the token to the determined corresponding tokenization provider system; receiving, by the token access system, information of the token from the determined corresponding tokenization provider system, wherein the information is at least one of the token and the CHD of the cardholder; and providing, by the token access system, the information of the token to the second merchant.