SECURE MANAGEMENT OF USER INFORMATION USING TOKENIZATION AND TOKEN STATES

摘要

A technique smartly manages user information. The technique involves receiving, using an input device, an input value from the user during a user transaction. The technique further involves applying, using electronic circuitry, an algorithm to generate a token on behalf of the user. The algorithm is arranged to provide tokens in a non-reproducible manner to prevent discovery of input values based on the tokens. The technique further involves associating the token value with the input value and collecting user information and associating the user information with the token during a time range which includes periods of transaction inactivity and further transaction activity by the user. Along these lines, the technique is capable of implementing mutually exclusive token states (e.g., “active”, “inactive”, “deactivated” and “compromised”) to smartly coordinate and maintain certain user information.