Abstract: A method is disclosed. The method includes receiving, by an application on a communication device from an access device, a unique identifier associated with a resource provider in a transaction. The method also includes transmitting, by the application, a message comprising the unique identifier and an access data reference identifier associated with access data to a remote server computer associated with the application. The remote server computer searches a database for access data using the access data reference identifier, retrieves the access data, and provides the access data to a transport computer which processes the transaction using the access data.

Abstract: A method is disclosed. The method includes receiving, by an application on a communication device from an access device, a unique identifier associated with a resource provider in a transaction. The method also includes transmitting, by the application, a message comprising the unique identifier and an access data reference identifier associated with access data to a remote server computer associated with the application. The remote server computer searches a database for access data using the access data reference identifier, retrieves the access data, and provides the access data to a transport computer which processes the transaction using the access data.

Abstract: A method comprises a token requestor computer transmitting a first authorization request message comprising a token and first cryptogram for authorization of an interaction to a server computer. The token requestor computer receives a first authorization response message comprising a response code from the server computer, then generates a cryptogram request message comprising the token or a token identifier and the response code. The token requestor computer transmits the cryptogram request message to a token provider computer, which generates a second cryptogram. The token requestor computer receives the second cryptogram and credential and generates a second authorization request message comprising the second cryptogram and the credential. The token requestor computer transmits the second authorization request message to the server computer. A second authorization response message is received from the server computer in response to the second authorization request message.

Abstract: A method is disclosed. The method includes receiving, by a processing network computer from a transport computer, a first clearing file comprising data for a plurality of transactions, and then determining, by the processing network computer, an authorizing entity associated with one or more transactions from the first clearing file. The method includes transmitting, by the processing network computer to an authorizing entity computer operated by the authorizing entity, a second clearing file including data for the one or more transactions, determining, by the processing network computer, that the one or more transactions include one or more anomaly transactions, and initiating, by the processing network computer, one or more transaction reversals with respect to the one or more anomaly transactions.

Abstract: A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

Abstract: Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

Abstract: Embodiments are directed to a first token vault managed by a token service provider and a second token vault managed by a second entity. The first token vault is continuously synchronized with the second token vault in real-time. That is, the data in the second token vault is updated simultaneously with or immediately after the data in the first token vault is updated. In some embodiments, the first token vault may be a master token vault and the second token vault may be a mirror token vault. The mirror token vault may store the same information as the master token vault. Alternatively, the mirror token vault may store a subset of the information stored at the master token vault. In other embodiments, the information stored at the first token vault and the information stored at the second token vault may be mutually exclusive.

Abstract: A method comprises a token requestor computer transmitting a first authorization request message comprising a token and first cryptogram for authorization of an interaction to a server computer. The token requestor computer receives a first authorization response message comprising a response code from the server computer, then generates a cryptogram request message comprising the token or a token identifier and the response code. The token requestor computer transmits the cryptogram request message to a token provider computer, which generates a second cryptogram. The token requestor computer receives the second cryptogram and credential and generates a second authorization request message comprising the second cryptogram and the credential. The token requestor computer transmits the second authorization request message to the server computer. A second authorization response message is received from the server computer in response to the second authorization request message.

Abstract: A method is disclosed. The method comprises receiving, from a communication device, a provisioning request message including a user device identifier and a cryptogram in a first message format, which is received from the user device by the communication device during a message exchange process between the user device and the communication device. The method also includes generating an authorization request message in a second message format, the authorization request message comprising the cryptogram, transmitting the authorization request message to an authorizing computer, and receiving an authorization response message from the authorizing computer. The method also includes providing access data to the communication device.

Abstract: A method includes providing an initial communication, by an access device to a user device. The access device can receive the user identifier and the access token and receive a secret associated with the user. The access device can determine, using the user identifier and/or the access token, if the transaction is authorized by an authorizing entity computer associated with the access device or by an authorizing entity not associated with the access device. If the transaction is authorized by the authorizing entity computer associated with the access device, the access device can transmit an authorization request message comprising the user identifier, the secret, and the access token to the authorizing entity computer. The authorizing entity computer validates the secret, retrieves a real credential of the user using the user identifier, and authorizes the transaction.

Abstract: A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

Abstract: A technique for improving the security of a portable consumer device may include storing a first account identifier and a second account identifier associated with the first account identifier, the second account identifier and the first account identifier being associated with the same account on the portable consumer device. When the portable consumer device is interacting with a reader device to conduct a transaction, the portable consumer device may determine whether the transaction is a proximity transaction by sensing whether a wireless interrogation signal is being transmitted from the reader device, and determine which of the first account identifier and the second account identifier to provide to the reader device based on whether the transaction is a proximity transaction.

Abstract: A method includes providing an initial communication, by an access device to a user device. The access device can receive the user identifier and the access token and receive a secret associated with the user. The access device can determine, using the user identifier and/or the access token, if the transaction is authorized by an authorizing entity computer associated with the access device or by an authorizing entity not associated with the access device. If the transaction is authorized by the authorizing entity computer associated with the access device, the access device can transmit an authorization request message comprising the user identifier, the secret, and the access token to the authorizing entity computer. The authorizing entity computer validates the secret, retrieves a real credential of the user using the user identifier, and authorizes the transaction.

Abstract: Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

Abstract: Embodiments are directed to a first token vault managed by a token service provider and a second token vault managed by a second entity. The first token vault is continuously synchronized with the second token vault in real-time. That is, the data in the second token vault is updated simultaneously with or immediately after the data in the first token vault is updated. In some embodiments, the first token vault may be a master token vault and the second token vault may be a mirror token vault. The mirror token vault may store the same information as the master token vault. Alternatively, the mirror token vault may store a subset of the information stored at the master token vault. In other embodiments, the information stored at the first token vault and the information stored at the second token vault may be mutually exclusive.

Abstract: A method includes providing an initial communication, by an access device to a user device. The access device can receive the user identifier and the access token and receive a secret associated with the user. The access device can determine, using the user identifier and/or the access token, if the transaction is authorized by an authorizing entity computer associated with the access device or by an authorizing entity not associated with the access device. If the transaction is authorized by the authorizing entity computer associated with the access device, the access device can transmit an authorization request message comprising the user identifier, the secret, and the access token to the authorizing entity computer. The authorizing entity computer validates the secret, retrieves a real credential of the user using the user identifier, and authorizes the transaction.

Abstract: A method is disclosed. The method includes receiving, by an application on a communication device from an access device, a unique identifier associated with a resource provider in a transaction. The method also includes transmitting, by the application, a message comprising the unique identifier and an access data reference identifier associated with access data to a remote server computer associated with the application. The remote server computer searches a database for access data using the access data reference identifier, retrieves the access data, and provides the access data to a transport computer which processes the transaction using the access data.

Abstract: Embodiments related to systems and methods comprising receiving payment data at an access device; receiving an identifier for a mobile device at the access device; and generating and sending an authorization request message to a payment processing network, wherein the payment processing network generates a verification token, which is then sent to the mobile device whereby the mobile device is thereafter used to conduct payment transactions.

Abstract: A method is disclosed. The method comprises receiving, from a communication device, a provisioning request message including a user device identifier and a cryptogram in a first message format, which is received from the user device by the communication device during a message exchange process between the user device and the communication device. The method also includes generating an authorization request message in a second message format, the authorization request message comprising the cryptogram, transmitting the authorization request message to an authorizing computer, and receiving an authorization response message from the authorizing computer. The method also includes providing access data to the communication device.

Abstract: Embodiments are directed to a first token vault managed by a token service provider and a second token vault managed by a second entity. The first token vault is continuously synchronized with the second token vault in real-time. That is, the data in the second token vault is updated simultaneously with or immediately after the data in the first token vault is updated. In some embodiments, the first token vault may be a master token vault and the second token vault may be a mirror token vault. The mirror token vault may store the same information as the master token vault. Alternatively, the mirror token vault may store a subset of the information stored at the master token vault. In other embodiments, the information stored at the first token vault and the information stored at the second token vault may be mutually exclusive.