Multi-token provisioning, online purchase transaction processing, and card life cycle management systems and methods

Abstract

An example method for provisioning tokens in a networked computing environment including merchants participating in payment networks involves (1) for a purchase card having an associated primary account number (PAN), (i) transmitting a first request for a primary token comprising a first computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card and (ii) transmitting a second request for a secondary token comprising a second computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card, (2) receiving and storing at least the requested secondary token for the purchase card; (3) receiving a request to initiate a given network-based financial transaction, and (4) transmitting an authorization request for the given network-based financial transaction that includes the secondary token.

1 . A computing system comprising:
 a network interface that is configured to interconnect the computing system with one or more data networks;   one or more processors;   one or more non-transitory computer-readable mediums; and   program instructions stored on the one or more non-transitory computer-readable mediums that are executable by the one or more processors such that the computing system is configured to:
 for a purchase card having an associated primary account number (PAN), (i) transmit, via the network interface, a first request for a primary token comprising a first computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card and (ii) transmit, via the network interface, a second request for a secondary token comprising a second computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card; 
 receive and store at least the requested secondary token for the purchase card; 
 receive a request to initiate a given network-based financial transaction; and 
 after receiving the request to initiate the given network-based financial transaction, transmit, to a given payment network associated with the secondary token, an authorization request for the given network-based financial transaction that includes the secondary token. 
   
     
     
         2 . The computing system of  claim 1 , wherein the requested primary token is associated with a front-of-card brand of the purchase card and the requested secondary token is associated with a back-of-card brand of the purchase card. 
     
     
         3 . The computing system of  claim 1 , wherein the requested primary token is associated with a first payment network, the requested secondary token is associated with a second payment network that differs from the first payment network, and the authorization request for the given network-based financial transaction is transmitted to the second payment network. 
     
     
         4 . The computing system of  claim 1 , wherein the purchase card is a debit card. 
     
     
         5 . The computing system of  claim 1 , further comprising program instructions stored on the one or more non-transitory computer-readable mediums that are executable by the one or more processors such that the computing system is configured to:
 before transmitting the authorization request for the given network-based financial transaction, select the secondary token to use for the given network-based financial transaction based on network routing preferences.   
     
     
         6 . The computing system of  claim 5 , wherein the program instructions that are executable by the one or more processors such that the computing system is configured to select the secondary token to use for the given network-based financial transaction based on the network routing preferences comprise program instructions that are executable by the one or more processors such that the computing system is configured to:
 based on the network routing preferences, select a network route to use for the given network-based financial transaction that is associated with the secondary token; and   based on the selection of the network route that is associated with the secondary token, select the secondary token to use for the given network-based financial transaction.   
     
     
         7 . The computing system of  claim 5 , further comprising program instructions stored on the one or more non-transitory computer-readable mediums that are executable by the one or more processors such that the computing system is configured to:
 before selecting the secondary token to use for the given network-based financial transaction based on the network routing preferences, determine the network routing preferences based on transaction cost information.   
     
     
         8 . The computing system of  claim 1 , further comprising program instructions stored on the one or more non-transitory computer-readable mediums that are executable by the one or more processors such that the computing system is configured to:
 store an indication of a second network route associated with the secondary token.   
     
     
         9 . The computing system of  claim 1 , further comprising program instructions stored on the one or more non-transitory computer-readable mediums that are executable by the one or more processors such that the computing system is configured to:
 before requesting the primary token and the secondary token, determine that the purchase card is a multi-token enabled purchase card.   
     
     
         10 . The computing system of  claim 1 , further comprising program instructions stored on the one or more non-transitory computer-readable mediums that are executable by the one or more processors such that the computing system is configured to:
 after transmitting the authorization request for the given network-based financial transaction, receive, from the given payment network, a confirmation for the given network-based financial transaction.   
     
     
         11 . The computing system of  claim 1 , wherein the given network-based financial transaction comprises a card-on-file (COF) purchase or payment transaction. 
     
     
         12 . The computing system of  claim 1 , wherein the program instructions that are executable by the one or more processors such that the computing system is configured to request the secondary token for the purchase card comprise program instructions that are executable by the one or more processors such that the computing system is configured to:
 request the secondary token for the purchase card after requesting the primary token for the purchase card.   
     
     
         13 . A non-transitory computer-readable medium, wherein the non-transitory computer-readable medium is provisioned with program instructions that, when executed by one or more processors, cause a computing system to:
 for a purchase card having an associated primary account number (PAN), (i) transmit, via the network interface, a first request for a primary token comprising a first computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card and (ii) transmit, via the network interface, a second request for a secondary token comprising a second computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card;   receive and store at least the requested secondary token for the purchase card;   receive a request to initiate a given network-based financial transaction; and   after receiving the request to initiate the given network-based financial transaction, transmit, to a given payment network associated with the secondary token, an authorization request for the given network-based financial transaction that includes the secondary token.   
     
     
         14 . The non-transitory computer-readable medium of  claim 13 , wherein the requested primary token is associated with a front-of-card brand of the purchase card and the requested secondary token is associated with a back-of-card brand of the purchase card. 
     
     
         15 . The non-transitory computer-readable medium of  claim 13 , wherein the requested primary token is associated with a first payment network, the requested secondary token is associated with a second payment network that differs from the first payment network, and the authorization request for the given network-based financial transaction is transmitted to the second payment network. 
     
     
         16 . The non-transitory computer-readable medium of  claim 13 , wherein the non-transitory computer-readable medium is also provisioned with program instructions that, when executed by one or more processors, cause a computing system to:
 before transmitting the authorization request for the given network-based financial transaction, select the secondary token to use for the given network-based financial transaction based on network routing preferences.   
     
     
         17 . A method carried out by a computing system, the method comprising:
 for a purchase card having an associated primary account number (PAN), (i) transmitting a first request for a primary token comprising a first computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card and (ii) transmitting a second request for a secondary token comprising a second computer-generated identifier of the purchase card that is available for use in place of the PAN when processing network-based financial transactions involving the purchase card;   receiving and storing at least the requested secondary token for the purchase card;   receiving a request to initiate a given network-based financial transaction; and   after receiving the request to initiate the given network-based financial transaction, transmitting an authorization request for the given network-based financial transaction that includes the secondary token.   
     
     
         18 . The method of  claim 17 , wherein the requested primary token is associated with a front-of-card brand of the purchase card and the requested secondary token is associated with a back-of-card brand of the purchase card. 
     
     
         19 . The method of  claim 17 , wherein the requested primary token is associated with a first payment network, the requested secondary token is associated with a second payment network that differs from the first payment network, and the authorization request for the given network-based financial transaction is transmitted to the second payment network. 
     
     
         20 . The method of  claim 17 , further comprising:
 before transmitting the authorization request for the given network-based financial transaction, select the secondary token to use for the given network-based financial transaction based on network routing preferences.