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) obtaining a first token for a purchase card with an associated primary account number (PAN), the first token comprising a first identifier available for use in place of the PAN when processing network-based financial transactions involving the purchase card, (2) storing the first token, (3) obtaining a second token for the purchase card comprising a second identifier available for use in place of the PAN when processing network-based financial transactions involving the purchase card, (4) storing the second token, (5) selecting one of the stored first token or the stored second token to use for a given network-based financial transaction involving the purchase card; and (6) transmitting an authorization request for the given network-based financial transaction that includes the selected one of the stored first or second tokens.

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:
 obtain, via the network interface, a first token for a purchase card that has an associated primary account number (PAN), wherein the first token comprises 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; 
 store the first token for the purchase card in the one or more non-transitory computer-readable mediums; 
 obtain, via the network interface, a second token for the purchase card, wherein the second token comprises 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; 
 store the second token for the purchase card in the one or more non-transitory computer-readable mediums; 
 select one of the stored first token or the stored second token to use for a given network-based financial transaction involving the purchase card; and 
 transmit, via the network interface, an authorization request for the given network-based financial transaction that includes the selected one of the stored first token or the stored second token. 
   
     
     
         2 . The computing system of  claim 1 , wherein the first token comprises a primary network-based token associated with a front-of-card brand of the purchase card and the second token comprises a secondary network-based token associated with a back-of-card brand of the purchase card. 
     
     
         3 . The computing system of  claim 1 , wherein the first token is associated with a first payment network, the second 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 either (i) the first payment network if the stored first token is selected or (ii) the second payment network if the stored second token is selected. 
     
     
         4 . The computing system of  claim 1 , wherein the purchase card is a debit card. 
     
     
         5 . The computing system of  claim 1 , wherein the given network-based financial transaction comprises a card-on-file (COF) purchase or payment transaction. 
     
     
         6 . 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 second 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 second token for the purchase card in response to receiving the first token for the purchase card.   
     
     
         7 . 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 select the one of the stored first token or the stored second token to use for the given network-based financial transaction comprise program instructions that are executable by the one or more processors such that the computing system is configured to:
 select the one of the stored first token or the stored second token to use for the given network-based financial transaction based on network routing preferences.   
     
     
         8 . The computing system of  claim 7 , wherein the program instructions that are executable by the one or more processors such that the computing system is configured to select the one of the stored first token or the stored second 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:
 select a network route to use for the given network-based financial transaction based on the network routing preferences; and   select whichever one of the stored first token or the stored second token is associated with the selected network route.   
     
     
         9 . The computing system of  claim 7 , 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 one of the stored first token or the stored second 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.   
     
     
         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:
 store an indication of a first network route associated with the first token; and   store an indication of a second network route associated with the second token, wherein the second network route differs from the first network route.   
     
     
         11 . The computing system of  claim 1 , wherein the first token for the purchase card and the second token for the purchase card are stored as co-existent, side-by-side tokens in the one or more non-transitory computer-readable mediums. 
     
     
         12 . 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 first token and requesting the second token, determine that the purchase card is a multi-token enabled purchase card.   
     
     
         13 . 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, via the network interface, a confirmation for the given network-based financial transaction.   
     
     
         14 . The computing system of  claim 1 , wherein the first token is obtained from a first token service provider (TSP) and the second token is obtained from a second TSP that differs from the first TSP. 
     
     
         15 . 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:
 obtain, via the network interface, a first token for a purchase card that has an associated primary account number (PAN), wherein the first token comprises 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;   store the first token for the purchase card in the one or more non-transitory computer-readable mediums;   obtain, via the network interface, a second token for the purchase card, wherein the second token comprises 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;   store the second token for the purchase card in the one or more non-transitory computer-readable mediums;   select one of the stored first token or the stored second token to use for a given network-based financial transaction involving the purchase card; and   transmit, via the network interface, an authorization request for the given network-based financial transaction that includes the selected one of the stored first token or the stored second token.   
     
     
         16 . The non-transitory computer-readable medium of  claim 15 , wherein the first token comprises a primary network-based token associated with a front-of-card brand of the purchase card and the second token comprises a secondary network-based token associated with a back-of-card brand of the purchase card. 
     
     
         17 . The non-transitory computer-readable medium of  claim 15 , wherein the first token is associated with a first payment network, the second 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 either (i) the first payment network if the stored first token is selected or (ii) the second payment network if the stored second token is selected. 
     
     
         18 . The non-transitory computer-readable medium of  claim 15 , wherein the program instructions that, when executed by one or more processors, cause the computing system to select the one of the stored first token or the stored second token to use for the given network-based financial transaction comprise program instructions that, when executed by one or more processors, cause the computing system to:
 select the one of the stored first token or the stored second token to use for the given network-based financial transaction based on network routing preferences.   
     
     
         19 . A method carried out by a computing system, the method comprising:
 obtaining a first token for a purchase card that has an associated primary account number (PAN), wherein the first token comprises 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;   storing the first token for the purchase card in one or more non-transitory computer-readable mediums of the computing system;   obtaining a second token for the purchase card, wherein the second token comprises 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;   storing the second token for the purchase card in the one or more non-transitory computer-readable mediums of the computing system;   selecting one of the stored first token or the stored second token to use for a given network-based financial transaction involving the purchase card; and   transmitting an authorization request for the given network-based financial transaction that includes the selected one of the stored first token or the stored second token.   
     
     
         20 . The method of  claim 19 , wherein the first token comprises a primary network-based token associated with a front-of-card brand of the purchase card and the second token comprises a secondary network-based token associated with a back-of-card brand of the purchase card. 
     
     
         21 . The method of  claim 19 , wherein the first token is associated with a first payment network, the second 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 either (i) the first payment network if the stored first token is selected or (ii) the second payment network if the stored second token is selected. 
     
     
         22 . The method of  claim 19 , wherein selecting the one of the stored first token or the stored second token to use for the given network-based financial transaction comprises:
 selecting the one of the stored first token or the stored second token to use for the given network-based financial transaction based on network routing preferences.   
     
     
         23 . A computing environment comprising:
 a first computing system associated with a merchant;   a second computing system associated with a first token service provider (TSP);   a third computing system associated with a second token service provider (TSP); and   a plurality of payment networks,   wherein the first computing system is configured to:
 transmit, to the second computing system associated with the first TSP, a first request for a first token for a purchase card that has an associated primary account number (PAN), wherein the first token comprises 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; 
 receive, from the second computing system, the first token for the purchase card; 
 store the first token for the purchase card in one or more non-transitory computer-readable mediums of the first computing system; 
 transmit, to the third computing system associated with a second TSP, a second request for a second token for the purchase card, wherein the second token comprises 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, from the third computing system, the second token for the purchase card; 
 store the second token for the purchase card in the one or more non-transitory computer-readable mediums of the first computing system; 
 select one of the stored first token or the stored second token to use for a given network-based financial transaction involving the purchase card; and 
 transmit, to a given one of the plurality of payment networks, an authorization request for the given network-based financial transaction that includes the selected one of the stored first token or the stored second token; 
   wherein the second computing system is configured to:
 receive the first request for the first token for the purchase card; and 
 transmit, to the first computing system, the first token for the purchase card; and 
   wherein the third computing system is configured to:
 receive the second request for the second token for the purchase card; and 
 transmit, to the first computing system, the second token for the purchase card. 
   
     
     
         24 . The computing environment of  claim 23 , wherein the given one of the plurality of payment networks comprises either (i) a first payment network if the stored first token is selected or (ii) a second payment network if the stored second token is selected. 
     
     
         25 . The computing environment of  claim 23 , wherein the given one of the plurality of payment networks is configured to:
 receive the authorization request for the given network-based financial transaction;   detokenize the selected one of the stored first token or the stored second token;   rebuild the authorization request for the given network-based financial transaction; and   send the rebuilt authorization request for the given network-based financial transaction to an issuer of the purchase card.