Visa International Service Association

Judson Reed

Patrick L Faith

Michael Kenji Mori

Ben Rewis

Gourab Basu

Ross Sakata

Laura Angevine Long

Steve Cracknell

Embodiments include apparatuses, methods, and systems for an example token provisioning process. In embodiments, a server computer device may receive over a payment transactions network, a request from an issuer for a private label (PL) token associated with a primary account number (PAN) of a payment card and a partnership offer between a partner merchant and the issuer. In embodiments, the server computer device, may generate and/or activate the PL token. In embodiments, the PL token is provisioned at a first level according to, at least, product characteristics associated with the PAN and at a second level according to, at least, product characteristics associated with the partnership offer. Other embodiments may also be described and claimed.

Private label token provisioning for electronic payment transaction processing networks

Techniques for eliminating the need for merchants and acquirers to conduct Payment Card Industry ('PCI') security audit procedures are provided. Merchants and acquirers can eliminate the operating expenses associated with conducting audits to ensure compliance with PCI Data Security Standards ('DSS'), while at the same time ensuring that cardholders' data remains secure, thus protecting the cardholders from fraudulent transactions. System security is further enhanced through the use of per transaction audits, with the scope of the audit being directly between the Point of Sale (POS) terminal and the payment processing network. PCI DSS compliance can thus be assured on a per transaction basis, as opposed to only ensuring compliance generally for a merchant or acquirer on a periodic basis. Per transaction PCI DSS compliance is assured, while at the same time eliminating the need for merchants or acquirers to conduct compliance audits.

Encryption switch processing

Systems and methods are disclosed for routing a transaction based on an assessment of costs associated with multiple payment processing networks. A transaction broker server determines how to route a received authorization request message for a transaction based on a first cost associated with processing the transaction via a first payment processing network and a second cost associated with processing the transaction via a second payment processing network. If the first cost is less than or equal to the second cost, the authorization request message is routed to the first payment processing network. If the first cost exceeds the second cost, at least one rule is applied to determine whether the first cost is to be reduced. If the at least one rule is satisfied, the first cost is reduced and the authorization request message is routed to the first payment processing network.

Least cost routing and matching

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San Ramon, CA, United States of America

Judson Reed