Visa International Service Association

Arvind Santhanaraman

Sanjeev Sharma

Gayathri Venkat

Sayeed Mohammed

Alan Johnson

Prasanth Yeddula

Sheldon Banow

Laszlo Spoor

Mohammed Chakib Bouda

Rahmat Adnan

Fouad Rabhi

A method is disclosed. The method includes receiving, by a token gateway, a first request message from a token requestor computer. The token gateway determines at least one token service computer from a plurality of token service computers, each token service computer in the plurality of token service computers operating independently of each other. The token gateway transmits at least one second request message to the at least one token service computer and receives, at least one first response message comprising at least one token and/or supplemental data associated with the at least one token from the at least one token service computer. The token gateway transmits a second response message to the token requestor computer, the second response message comprising the at least one token and/or the supplemental data.

Method and system for token gateway

A merchant website includes a QR code button to initiate a payment transaction. The QR code button is selected by a consumer at checkout. If selected, a QR code is generated on a second computing device. The QR code is displayed on a second computing device and contains embedded data such as a token for a PAN stored in a memory of the second computing device and two cryptograms. A webcam in communication with the first computing device is used to scan the QR code. The data embedded in the QR code is passed from the second computing device to the merchant website via the first computing device and used to complete the payment transaction.

Methods and systems for E-commerce payment transactions

Methods and systems for e-commerce payment transactions

Growing community of inventors

Foster City, CA, United States of America

Arvind Santhanaraman