Worldpay Limited

Derrick Koes

Andrew Wind

Tao Hong

A computer-implemented method for optimizing transaction authorization conversion rates based on the use of network tokens may include receiving, at an acquirer processor, a payment transaction from a merchant, determining whether the payment transaction includes a network token, upon determining that the payment transaction does not include a network token, determining whether the payment transaction should be modified to include a network token based on a likelihood that the payment transaction will be authorized by a financial institution will be increased when the payment transaction includes a network token, upon determining whether the payment transaction should be modified to include a network token, obtaining a network token for the payment transaction, and modifying the payment transaction to include the obtained network token, and submitting the modified payment transaction to the financial institution for processing.

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Pelham, NH, United States of America

Derrick Koes