Promotion Redemption And Payment Gateway

Abstract

Systems and related methods facilitating secure payments are discussed herein. Some embodiments may provide for a system including a payment gateway server, a tokenizer server and a detokenizer server. The payment gateway server may receive payment card data from a merchant device and provide the payment data the tokenizer server. The tokenizer server may be configured to generate one or more tokens based on the payment data and provide the one or more tokens to the payment gateway server. During payment processing, the payment gateway server may be configured to provide the one or more tokens to the detokenizer server configured to determine the payment data based on the one or more tokens to facilitate completion of a financial transaction. In some embodiments, the one or more tokens may be stored for subsequent payments. Furthermore, some embodiments may provide for secure promotion redemptions in addition or alternative to payments.

1 - 26 . (canceled) 
     
     
         27 . An apparatus for providing secured financial transactions within a token-based promotion and marketing system, the apparatus comprising at least one processor and at least one memory including computer program code, the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus to:
 receive, from a merchant device, authentication data and transaction data of a financial transaction initiated by a consumer device in communication with the merchant device, the authentication data comprising consumer login data, the transaction data comprising payment card data, a merchant identifier associated with the merchant device, and a consumer identifier associated with the consumer device;   determine, by an authentication server, if the consumer device is authorized to access the token-based promotion and marketing system by matching the consumer login data with stored consumer login data;   if the consumer device is determined not to be authorized to access the token-based promotion and marketing system,
 generate, by the authentication server, an unsuccessful login indicator and transmit the unsuccessful login indicator to the merchant device for suspending the financial transaction; 
   if the consumer device is determined to be authorized to access the token-based promotion and marketing system,
 generate, by a tokenizer server, secured transaction data and a token lookup request based on the transaction data, the secured transaction data comprising a payment card token in place of at least a portion of the payment card data, the token lookup request comprising the merchant identifier and the consumer identifier; 
 transmit, by a processer to a payment gateway server, the secured transaction data and the payment processing token lookup request; 
 receive, by the processor from the payment gateway server, secured payment processing data that is generated by the payment gateway server based on the secured transaction data and a specific payment processing token, wherein the specific payment processing token is selected among a plurality of payment processing tokens that are associated with historical financial transactions executed between the merchant device and the consumer device and stored within the payment gateway server, and wherein the specific payment processing token is selected based on the merchant identifier and the consumer identifier included in the token lookup request; 
 generate, by a detokenizer server, payment processing data based on detokenizing the secured payment processing data using the specific payment processing token; and 
 execute, by the processor, the financial transaction based on the payment processing data. 
   
     
     
         28 . The apparatus of  claim 27 , wherein the consumer login data is a user name, a user password, or a biometric identifier that is associated with a consumer account. 
     
     
         29 . The apparatus of  claim 27 , wherein the plurality of payment processing tokens are generated by the payment gateway server based on historical financial transactions, each payment processing token is associated with a respective merchant identifier and a respective consumer identifier that are associated with a respective financial transaction. 
     
     
         30 . The apparatus of  claim 27 , wherein the payment card token is an algorithmic transformation of the at least a portion of the payment card data. 
     
     
         31 . The apparatus of  claim 30 , wherein the at least a portion of the payment card data includes one or more of a credit card number or magnetic stripe data. 
     
     
         32 . The apparatus of  claim 27 , wherein the transaction data and the secured transaction data further include one or more of a payment amount, the consumer identifier, the merchant identifier, and an item listing. 
     
     
         33 . The apparatus of  claim 27 , wherein the payment processing data and the secured payment processing data further include one or more of the payment amount, the consumer identifier, a payment card expiration date, and transaction metadata. 
     
     
         34 . The apparatus of  claim 27 , wherein the consumer identifier is determined by the merchant device based on a wireless communication with the consumer device. 
     
     
         35 . The apparatus of  claim 27 , the at least one memory and the computer program code further configured to, with the at least on processor, further cause the apparatus to:
 receive, from the merchant device, a redeemable promotion request including the consumer identifier and the merchant identifier; and   determine, by an orders server upon receiving the redeemable promotion request, consumer promotion data indicating a redeemable promotion associated with the consumer identifier and the merchant identifier.   
     
     
         36 . The apparatus of  claim 35 , the at least one memory and the computer program code further configured to, with the at least on processor, further cause the apparatus to:
 associate, by the orders server, the payment processing data with the consumer promotion data;   generate, by the detokenizer server, redeemed payment processing data based on detokenizing the secured payment processing data using the specific payment processing token and reducing a payment amount by a redemption value of the redeemable promotion; and   execute, by the processor, the financial transaction based on the redeemed payment processing data.   
     
     
         37 . A method for providing secured financial transactions within a token-based promotion and marketing system, the method comprising:
 receiving, from a merchant device, authentication data and transaction data of a financial transaction initiated by a consumer device in communication with the merchant device, the authentication data comprising consumer login data, the transaction data comprising payment card data, a merchant identifier associated with the merchant device, and a consumer identifier associated with the consumer device;   determining, by an authentication server, if the consumer device is authorized to access the token-based promotion and marketing system by matching the consumer login data with stored consumer login data;   if the consumer device is determined not to be authorized to access the token-based promotion and marketing system,
 generating, by the authentication server, an unsuccessful login indicator and transmit the unsuccessful login indicator to the merchant device for suspending the financial transaction; 
   if the consumer device is determined to be authorized to access the token-based promotion and marketing system,
 generating, by a tokenizer server, secured transaction data and a token lookup request based on the transaction data, the secured transaction data comprising a payment card token in place of at least a portion of the payment card data, the token lookup request comprising the merchant identifier and the consumer identifier; 
 transmitting, by a processer to a payment gateway server, the secured transaction data and the payment processing token lookup request; 
 receiving, by the processor from the payment gateway server, secured payment processing data that is generated by the payment gateway server based on the secured transaction data and a specific payment processing token, wherein the specific payment processing token is selected among a plurality of payment processing tokens that are associated with historical financial transactions executed between the merchant device and the consumer device and stored within the payment gateway server, and wherein the specific payment processing token is selected based on the merchant identifier and the consumer identifier included in the token lookup request; 
 generating, by a detokenizer server, payment processing data based on detokenizing the secured payment processing data using the specific payment processing token; and 
 executing, by the processor, the financial transaction based on the payment processing data. 
   
     
     
         38 . The method of  claim 37 , wherein the consumer login data is a user name, a user password, or a biometric identifier that is associated with a consumer account. 
     
     
         39 . The method of  claim 37 , wherein the plurality of payment processing tokens are generated by the payment gateway server based on historical financial transactions, each payment processing token is associated with a respective merchant identifier and a respective consumer identifier that are associated with a respective financial transaction. 
     
     
         40 . The method of  claim 37 , wherein the payment card token is an algorithmic transformation of the at least a portion of the payment card data. 
     
     
         41 . The method of  claim 40 , wherein the at least a portion of the payment card data includes one or more of a credit card number or magnetic stripe data. 
     
     
         42 . The method of  claim 37 , wherein the transaction data and the secured transaction data further include one or more of a payment amount, the consumer identifier, the merchant identifier, and an item listing. 
     
     
         43 . The method of  claim 37 , wherein the payment processing data and the secured payment processing data further include one or more of the payment amount, the consumer identifier, a payment card expiration date, and transaction metadata. 
     
     
         44 . The method of  claim 37 , wherein the consumer identifier is determined by the merchant device based on a wireless communication with the consumer device. 
     
     
         45 . The method of  claim 37 , further comprising:
 receiving, from the merchant device, a redeemable promotion request including the consumer identifier and the merchant identifier; and   determining, by an orders server upon receiving the redeemable promotion request, consumer promotion data indicating a redeemable promotion associated with the consumer identifier and the merchant identifier.   
     
     
         46 . The method of  claim 45 , further comprising:
 associating, by the orders server, the payment processing data with the consumer promotion data;   generating, by the detokenizer server, redeemed payment processing data based on detokenizing the secured payment processing data using the specific payment processing token and reducing a payment amount by a redemption value of the redeemable promotion; and   executing, by the processor, the financial transaction based on the redeemed payment processing data.