Methods, apparatus and systems for securely storing and/or accessing payment information or other sensitive information based on tokens
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United States of America Patent
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May 16, 2017
Issued Date -
N/A
app pub date -
Nov 7, 2012
filing date -
Nov 30, 2010
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A token is generated and processed as a substitute for sensitive information, e.g., payment information associated with a customer making a purchase of a product/service from a vendor. The customer's payment information is encrypted and stored in a first memory record of a secure computer system. A token is generated that includes memory-related information identifying the first memory record, and the token is transmitted to the vendor for storage in a customer record. To facilitate payment for the purchase, the vendor transmits the token to another party (e.g., a billing service or payment processor), and the encrypted payment information is read from the first memory record of the secure computer system based on the memory-related information in the token. The encrypted payment information is then decrypted to recover the payment information which is then used to effect payment.
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