Mastercard International Incorporated

Carole Lynne Kelly-Frank

Robert D Reany

Arthur D Kranzley

Dennis J Hill

Sara E Fiebiger

Adam Gluck

Aimee G Musil

John Vignola

Kenneth J Mealey

Scott J Page

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.

Systems and methods for use in facilitating network transactions

Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; and responsive to the issuer authorization decision, facilitating setting a spending limit for the account number based on at least an appropriate one of the parameters.

Techniques for authorization of usage of a payment device

Growing community of inventors

Wildwood, MO, United States of America

Carole Lynne Kelly-Frank