Worldpay Limited

James S Osborn

William J Wied

Stephen E Dinan

Systems and methods are disclosed for cross-platform token compatibility. One method comprises receiving, by a token exchange service system, a primary tokenization request from an upstream entity, generating, by the token exchange service system, one or more ancillary tokenization requests based on the primary tokenization request, and transmitting, by the token exchange service system, the one or more ancillary tokenization requests to respective one or more output token vaults. One or more ancillary tokenization responses may then be received from the one or more output token vaults, and a primary tokenization response may be generated based on the one or more ancillary tokenization responses. The primary tokenization response may be transmitted to the upstream entity.

Methods and systems for securely facilitating cross-platform token compatibility via multi-tokenization

Systems and methods are disclosed for dynamic routing of electronic transactions. One method comprises receiving a request message from a merchant system and determining a routing directive associated with the request message. Upon determining the routing directive, contextual data may be retrieved based on the routing directive. Then, a final destination payment processor may be determined based on the routing directive and the contextual data. The request message may be updated based on the final destination payment processor. The updated request message may then be transmitted to a downstream entity for further processing.

Methods and systems for dynamic routing of electronic transaction messages via machine learning

Methods and systems for dynamic routing of electronic transaction messages

Systems and methods are disclosed for dynamic routing of electronic transactions while maintaining token compatibility. One method comprises receiving a request message from a merchant system and determining a final destination payment processor based on a routing directive. Upon determining the final destination payment processor, the request message may be updated by updating a message destination to the final destination payment processor and replacing an initial token with a token that is compatible with the final destination payment processor. The updated request message may then be transmitted to a downstream entity for further processing.

Methods and systems for dynamic routing of electronic transaction messages while maintaining token compatibility

Systems and methods are disclosed for cross-platform token exchange. One method comprises receiving a primary token exchange request from an upstream entity, generating an ancillary detokenization request based on the primary token exchange request, and transmitting the ancillary detokenization request to an input token vault. An ancillary detokenization response comprising sensitive data may then be received from the input token vault, and one or more ancillary tokenization requests may be generated based on the ancillary detokenization response and the primary token exchange request. The one or more ancillary tokenization requests may be transmitted to one or more output token vaults. Subsequently, one or more ancillary tokenization responses may be received from the one or more output token vaults, each ancillary tokenization response comprising an output token. A primary token exchange response may be generated based on the one or more ancillary tokenization responses and transmitted to the upstream entity.

Growing community of inventors

Austin, TX, United States of America

James S Osborn