Patents
US 12651254 B2: Multi-token provisioning, online purchase transaction processing, and card life cycle management systems and methods
- Granted
- 2026-06-09
- Filed
- 2024-05-31 application 18680700
- Type
- Utility · 9 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
Systems, methods, and software are disclosed for provisioning tokens in a networked computing environment including merchants participating in payment networks. The method includes receiving, by a merchant processor, card account data of a purchase card from a cardholder. The method includes determining, by the merchant processor, that the card account data includes a multi-token enabled BIN. The method includes, in response to determining that the card account data includes the multi-token enabled BIN, receiving and storing, by the merchant processor and in a memory of the merchant, respectively, a primary token associated with a front-of-card brand of the purchase card. The method includes, in response to receiving the primary token, transmitting, by the merchant processor, a request for a secondary token. The method includes receiving and storing, by the merchant processor and in the merchant memory, respectively, the secondary token simultaneously with storing the primary token.
Source: PTBLXML, file of 2026-06-09 (ipgb20260609.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Capital One Financial Corporation 141 patents | US company or organization | McLean, VA | CAPITAL ONE FINANCIAL CORP SEC filer FUZZY low confidence: same name (legal endings aside), one of each nationally | PTBLXML, file of 2026-06-09 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Bryan L. Manka | Spring, TX | PTBLXML, file of 2026-06-09 | ||
| George Danforth | Tomball, TX | PTBLXML, file of 2026-06-09 |
CPC categories
| Subclass | Category | First group | Source |
|---|---|---|---|
| G06Q | Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial or supervisory purposes; systems or methods specially adapted for administrative, commercial, financial, managerial or supervisory purposes, not otherwise provided for | G06Q20/3829 | PTBLXML, file of 2026-06-09 |
| H04L | Transmission of digital information, e.g. telegraphic communication | H04L63/062 | PTBLXML, file of 2026-06-09 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2025-07-02 | Merger Merger | DISCOVER FINANCIAL SERVICES signed 2025-05-16 | CAPITAL ONE FINANCIAL CORPORATION MCLEAN, VA | 71784/903 | PASDL, file of 2026-10-18 |
| 2024-06-03 | Assignment Assignment of assignor's interest | MANKA, BRYAN L. signed 2019-08-29 DANFORTH, GEORGE signed 2019-08-29 | DISCOVER FINANCIAL SERVICES RIVERWOODS, IL | 67602/93 | PASDL, file of 2026-10-15 |
Documents recorded with the USPTO Assignment Recordation Branch that list this patent. A security interest is a lender’s claim on the patent as collateral; a release ends it.
USPTO bulk data: PatentsView granted patents, disambiguated (PVGPATDIS) for patents, assignees, inventors, places and CPC categories; the USPTO Patent Assignment Dataset (ECORSEXC) for assignments and security interests. Patents filed in the last 20 years. No claims or full text. Links to other records are by name (and state): EXACT means the identical full name and state; FUZZY means a looser name match, with the confidence shown.