Abstract: Systems and methods are provided for managing tokens from token providers and facilitating network transactions involving the tokens. One example computer-implemented method includes receiving, by a payment network, an external token for a payment account from an external token provider and storing the external token in a vault data structure. The external token provider is separate from the payment network. The method then includes intercepting, by the payment network, an authorization request message for a transaction involving the payment account. And, when the authorization request message includes the external token, the method includes identifying a primary account number (PAN) for the payment account based on a mapping of the external token with the PAN in the vault data structure and initiating at least one PAN-dependent service associated with the payment account, despite the external token being generated by the token provider that is separate from the payment network.

Abstract: Systems and methods are provided for managing tokens from different token providers and facilitating network transactions involving tokens from the different token providers. One exemplary method includes receiving a request to provision a token for a payment account to a party, where the payment account is associated with a payment network. The method also includes generating the requested token apart from the payment network, whereby the requested token is an external token, and transmitting the external token to the party. The method further includes transmitting, to the payment network, the external token and a PAN for the payment account associated with the external token, thereby permitting the payment network to map the token to the PAN and to provide PAN-dependent services for a transaction based on an authorization request message including the token but not the PAN.

Abstract: A method for cardless withdrawal from an automated teller machine includes: receiving, by an input device of an automated teller machine (ATM), user input comprising at least: a first code, a device identifier associated with a computing device, and a transaction amount; electronically transmitting, by the ATM, at least the first code, device identifier, and the transaction amount to a first computing system; receiving, by a receiving device of the ATM, a transaction account number from the first computing system; electronically transmitting, by the ATM, a withdrawal request including at least the transaction account number and the transaction amount to an acquiring institution; receiving, by the receiving device of the ATM, an indication from the acquiring institution that indicates approval of the withdrawal request; and dispensing, by a dispensing module of the ATM, one or more payment instruments having a value equivalent to the transaction amount.

Abstract: Systems and methods are provided for managing tokens from different token providers and facilitating network transactions involving tokens from the different token providers. One exemplary method includes receiving a request to provision a token for a payment account to a party, where the payment account is associated with a payment network. The method also includes generating the requested token apart from the payment network, whereby the requested token is an external token, and transmitting the external token to the party. The method further includes transmitting, to the payment network, the external token and a PAN for the payment account associated with the external token, thereby permitting the payment network to map the token to the PAN and to provide PAN-dependent services for a transaction based on an authorization request message including the token but not the PAN.