Visa International Service Association

Karthikeyan Palanisamy

Prasanna L Narayan

Ramji Sethuraman

Robert Kevin Walls

Techniques for enhancing the security of storing sensitive information or a token on a communication device may include sending a request for the sensitive information or token. The communication device may receive a session key encrypted with a hash value derived from user authentication data that authenticates the user of the communication device, and the sensitive information or token encrypted with the session key. The session key encrypted with the hash value, and the sensitive information or token encrypted with the session key can be stored in a memory of the communication device.

Token security on a communication device

Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for providing a token service environment that allows a token requesting party (e.g. token requestor) to specify parameters for token generation for controlling and customizing the token generation process. For example, the token requesting party may specify (e.g. select from a list or provide a list of) the accounts for tokenization. The accounts may be identified by account identifiers (e.g. account numbers) or bank identification numbers (BINs). The token requesting party may also specify encryption keys for the tokens to be generated. The token requesting party may also specify additional parameters such as notification thresholds indicating when notifications associated with the tokens are to be generated.

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Dublin, CA, United States of America

Karthikeyan Palanisamy