Wells Fargo Bank, N.a.

Steve Goldyak

Peter Ho

Sudipta N Kitsis

Systems and methods utilizing payment tokens are provided. One method includes receiving a transaction authorization request including a plurality of transaction conditions; generating a plurality of payment tokens based on the plurality of transaction conditions; provisioning the plurality of payment tokens, each of the payment tokens including at least one transaction condition of the plurality of transaction conditions; receiving a payment token from the plurality of payment tokens based on the plurality of transaction conditions; and transmitting, to a recipient, a payment corresponding to the received payment token.

Dynamic transaction token/dynamic pricing based on conditions of order

A computer implemented method includes: receiving, by the computing system, a transaction authorization request, the transaction authorization request including a plurality of transaction conditions, the transaction authorization request relating to a request for a payment from a user's payment account to a recipient; provisioning, by the computing system, a plurality of limited-use payment tokens, each of the limited use payment tokens structured to expire according to a transaction condition; discarding, by the computing system, at least one limited-use payment token based on a determination that the at least one limited-use token is expired; receiving, by the computing system upon completion of a transaction, a limited-use payment token from the plurality of limited-use payment tokens; and transmitting, by the computing system to the recipient, a payment corresponding to the received limited-use payment token.

A computer-implemented method includes receiving an order for a good or service. The order includes a plurality of order conditions. A plurality of limited-use payment tokens are provisioned. Each of the limited use payment tokens are structured to expire according to one of the plurality of order conditions. An indication of completion of the order is received upon completion of the order. An indication of conditions of the completed order is also received. It is determined whether each of the limited-use payment tokens are expired, based on the conditions of the completed order. A payment is transmitted to a recipient. The payment corresponds to at least one of the non-expired limited-use payment tokens.

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Daly City, CA, United States of America

Steve Goldyak