Patent SG-11201811424P-A (SG)
Title: Mirrored token vault
Inventor: CARPENTER ANDREW
IPC: G06Q20/38
Filed: 2017-08-11
Abstract: INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property :::` , 1 MI 11111 0 11101 HOE HI 1 0 0111E011 Oil H 010 HAIM 011 Organization International Bureau (10) International Publication Number 03 (43) International Publication Date .....•\"\"- WO 2018/031914 Al 15 February 2018 (15.02.2018) WIP0 I PCT (51) International Patent Classification: Los Prados St., San Mateo, California 94403 (US). KUR- G06Q 20/38 (2012.01) LAND, Dan; 1170 Foster City Boulevard, Apt. 203, Foster (21) International Application Number: City, California 94404 (US). PATTERSON, Barbara; 193 PCT/US2017/046558 Southcliff Avenue, South San Francisco, California 94080 (US). (22) International Filing Date: (74) Agent: DORAN-CIVAN, Neslihan I. et al.; KILPA- 11 August 2017 (11.08.2017) TRICK TOWNSEND & STOCKTON LLP, 1100 Peachtree (25) Filing Language: English Street, #2800, Atlanta, Georgia 30309 (US). (26) Publication Language: English (81) Designated States (unless otherwise indicated, for every kind of national protection available): AE, AG, AL, AM, (30) Priority Data: AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, 62/374,711 12 August 2016 (12.08.2016) US CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, (71) Applicant: VISA INTERNATIONAL SERVICE DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, ASSOCIATION [US/US]; P.O. Box 8999, San Francisco, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, California 94128 (US). KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, (72) Inventors: CARPENTER, Andrew; 2617 Monte Cresta OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, Drive, Belmont, California 94002 (US). TAIT, Paul; 3201 (54) Title: MIRRORED TOKEN VAULT = = = _ RESOURCE PROVIDER COMPUTER La _ _ - - = ► COMMUNICATIONS AUTHORIZING ENTITY % USER 102 COMMUNICATION NETWORK ► I& COMPUTER 112 = — MICE = 104 = TOKEN SERVICE PROVIDER TRANSACTION PROCESSING -----• ‘,...._ ,...- = = COMPUTER ,12. COMPUTE as D TOKEN VAULT in = ! = — _ ---. .....__ ,, = ,-, FIG. 1A FIRST TOKEN VAULT III 7r (57) : Embodiments are directed to a first token vault managed by a token service provider and a second token vault managed 1-1 t:N by a second entity. The first token vault is continuously synchronized with the second token vault in real-time. That is, the data in the ,1 second token vault is updated simultaneously with or immediately after the data in the first token vault is updated. In some embodiments, M the first token vault may be a master token vault and the second token vault may be a mirror token vault. The mirror token vault may 0 --.... store the same information as the master token vault. Alternatively, the mirror token vault may store a subset of the information stored 00 0 at the master token vault. In other embodiments, the information stored at the first token vault and the information stored at the second C token vault may be mutually exclusive. N C [Continued on next page] WO 2018/031914 Al MIDEDIMOMOIDEIREEMODHOMOHHOEHIMMI SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. (84) Designated States (unless otherwise indicated, for every kind of regional protection available): ARIPO (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))