TOKEN MANAGEMENT FOR ENHANCED OMNI-CHANNEL PAYMENTS EXPERIENCE AND ANALYTICS

摘要

Methods and systems related to the use of tokenization services in payment processing systems are disclosed. The methods and systems include token translation services, token maps used as the basis for customer data models, specific approaches for securing the token maps and associated data, and the efficient storage of the token maps and associated data to facilitate enhanced payments experiences and analytics. One method includes transmitting a tokenization request with an encrypted payment account number from a POS to a tokenization service, receiving a token from the tokenization service in response to the tokenization request, salting the token with data to produce a salted token, encrypting the salted token using a secure processor on the POS, mapping the encrypted salted token to the payment account number in a map, and storing the map and the encrypted salted token in a memory on the secure processor on the POS.