Token-based payment processing system
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United States of America Patent
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Nov 12, 2013
Grant Date -
Oct 7, 2010
app pub date -
Apr 7, 2010
filing date -
Apr 7, 2009
priority date (Note) -
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status (Latency Note)
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Abstract
A data-processing system, such as a payment processing system, including a tokenizer, such as a card encryption and storage system (CES) employing a tokenization feature. In one embodiment, the present invention provides a first-computer-implemented method for preventing the transmission of confidential information between a first computer and a second computer in communication with the first computer. The method includes the steps of: (a) the first computer receiving information for performing a transaction, the information including confidential information manually entered by a user; (b) the first computer sending the confidential information to a third computer; (c) the first computer receiving, from the third computer, a token having no algorithmic relationship to the confidential information; and (d) the first computer sending to the second computer (i) the information for performing the transaction, except for the confidential information, and (ii) the token.
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