Systems and methods for using token application programming interfaces

Abstract

Systems and methods for using token application programming interfaces are disclosed. According to an embodiment, a method for using token programming interfaces may include: (1) receiving, at an eligibility application programming interface (API), a token or a Digital Primary Account Number (DPAN) for a financial instrument from a merchant or a payment facilitator backend; (2) calling, by the eligibility API, a Funding Primary Account Number (FPAN) lookup API with the token or DPAN; (3) receiving, by the eligibility API, the FPAN for the token or DPAN from the FPAN lookup API; (4) generating, by the eligibility API, an issuer reference identifier for the FPAN; (5) storing, by the eligibility API, a mapping between the FPAN and the issuer reference identifier; and (6) communicating, by the eligibility API and via the eligibility API, the issuer reference identifier to the merchant or the payment facilitator backend.

1 - 15 . (canceled) 
     
     
         16 . A method for using token programming interfaces, comprising:
 receiving, at an eligibility application programming interface (API), a token for a Funding Primary Account Number (FPAN) for a financial instrument from a merchant or payment facilitator backend;   retrieving, by the eligibility API, an issuer reference identifier for the token from a store, wherein the store comprises a mapping of tokens to issuer reference identifiers;   communicating, by the eligibility API, the issuer reference identifier to the merchant or payment facilitator backend;   receiving, at a points balance API, a request for a reward point balance for the issuer reference identifier from the merchant or payment facilitator backend, wherein the points balance API is configured to retrieve the reward point balance for the issuer reference identifier;   communicating, by the points balance API, the reward point balance to the merchant or payment facilitator backend;   receiving, at a points redemption API, a reward point redemption action and the issuer reference identifier;   redeeming, by the points redemption API, reward points from the reward point balance based on the reward point redemption action; and   communicating, by the points redemption API, a confirmation of the reward point redemption action to the merchant or payment facilitator backend.   
     
     
         17 . The method of  claim 16 , further comprising:
 receiving, at an enrollment API, a request for enrollment confirmation comprising the issuer reference identifier from the merchant or payment facilitator backend, wherein the enrollment API is configured to enroll the issuer reference identifier; and   communicating, by the enrollment API, confirmation of enrollment to the merchant or payment facilitator backend.   
     
     
         18 . The method of  claim 16 , further comprising:
 generating, by the eligibility API, the issuer reference identifier for the token; and   storing, by the eligibility API, a mapping between the token and the issuer reference identifier.   
     
     
         19 . The method of  claim 16 , wherein the merchant or payment facilitator backend retrieves the token for the FPAN from a payment network or a third party. 
     
     
         20 . A system comprising:
 a merchant or payment facilitator backend configured to receive a token for a Funding Primary Account Number (FPAN) for a financial instrument;   an eligibility application programming interface (API) configured to receive the token from the merchant or payment facilitator backend, retrieve an issuer reference identifier for the token from a store, wherein the store comprises a mapping of tokens to issuer reference identifiers, and return the issuer reference identifier for the token to the merchant or payment facilitator backend;   a points balance API configured to receive a request for a reward point balance for the issuer reference identifier from the merchant or payment facilitator backend, to retrieve the reward point balance for the issuer reference identifier, and communicate the reward point balance to the merchant or payment facilitator backend; and   a points redemption API configured to received a reward point redemption action and the issuer reference identifier from the merchant or payment facilitator backend, redeem reward points from the reward point balance based on the reward point redemption action, and communicate a confirmation of the reward point redemption action to the merchant or payment facilitator backend.   
     
     
         21 . The system of  claim 20 , further comprising:
 an enrollment API that is configured to receive, a request for enrollment confirmation comprising the issuer reference identifier from the merchant or payment facilitator backend, enroll the issuer reference identifier, and communicate confirmation of enrollment to the merchant or payment facilitator backend.   
     
     
         22 . The system of  claim 20 , wherein the eligibility API is further configured to generate the issuer reference identifier for the token and store a mapping between the token and the issuer reference identifier. 
     
     
         23 . The system of  claim 20 , wherein the merchant or payment facilitator backend is configured to receive the token for the FPAN from a payment network or a third party. 
     
     
         24 . A non-transitory computer readable storage medium, including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:
 receive a token for a Funding Primary Account Number (FPAN) for a financial instrument from a merchant or payment facilitator backend;   retrieve an issuer reference identifier for the token from a store, wherein the store comprises a mapping of tokens to issuer reference identifiers;   communicate the issuer reference identifier to the merchant or payment facilitator backend;   receive a request for a reward point balance for the issuer reference identifier from the merchant or payment facilitator backend;   retrieve the reward point balance for the issuer reference identifier;   communicate the reward point balance to the merchant or payment facilitator backend;   receive a reward point redemption action and the issuer reference identifier;   redeem reward points from the reward point balance based on the reward point redemption action; and   communicate a confirmation of the reward point redemption action to the merchant or payment facilitator backend.   
     
     
         25 . The non-transitory computer readable storage medium of  claim 24 , further including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:
 receive a request for enrollment confirmation comprising the issuer reference identifier from the merchant or payment facilitator backend;   enroll the issuer reference identifier; and   communicate confirmation of enrollment to the merchant or payment facilitator backend.   
     
     
         26 . The non-transitory computer readable storage medium of  claim 24 , further including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:
 generate the issuer reference identifier for the token; and   store a mapping between the token and the issuer reference identifier.   
     
     
         27 . The non-transitory computer readable storage medium of  claim 24 , wherein the merchant or payment facilitator backend retrieves the token for the FPAN from a payment network or a third party.