The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 22, 2026
Filed:
Aug. 24, 2022
Verifone, Inc., Wilmington, DE (US);
Subadeepak Ilangovan, Herne Bay, GB;
Kingshuk Nag, Munich, DE;
VeriFone, Inc., Wilmington, DE (US);
Abstract
A system for authenticating a payment transaction is provided, including a payment device (such as an ECR or payment terminal), a provider gateway, and a universal token vault. The payment device provides a payment processing request including a tokenization request and an account number (such as a PAN or DPAN). The provider gateway receives the payment processing request from the payment device. The provider gateway then provides the account number and the tokenization request to a payment network (such as a credit card service). The provider gateway then receives, via the payment network, a network token and a PAR. The universal token vault then receives, via the provider gateway, the network token and the PAR. The universal token then creates or updates a universal token to associate the network token with the PAR. The universal token may then be provided to a merchant server for storage.