Patents
US 12657581 B2: Systems and methods for multi-merchant tokenization
- Granted
- 2026-06-16
- Filed
- 2022-04-04 application 17657882
- Type
- Utility · 16 claims
- Elsewhere
- Google Patents ↗ · USPTO patent document ↗ · USPTO Patent Center record ↗
Abstract
Systems and methods for multi-merchant tokenization may include receiving a transaction from a point of sale terminal of a merchant, validating the merchant ID against merchant logs, and generating a token for the transaction. The token includes a primary account number, expiration, and a group ID. Additionally, the system provides the primary account number to a payment system and receives a response back. The response is then output back to the merchant along with the token. In subsequent transactions, the system may receive the token from a one point of sale terminal of the merchant. The system validates the merchant ID against merchant logs and ensures the merchant is configured for tokenization. The token is decrypted and the group ID is compared to the merchant ID in the merchant logs. When they match, the primary account number is provided to the payment system for approval.
Source: PTBLXML, file of 2026-06-16 (ipgb20260616.xml).
Assignees
| Assignee | Type | Place | Also on furp.org | Source |
|---|---|---|---|---|
| Worldpay, LLC 477 patents | US company or organization | Symmes Township, OH | PTBLXML, file of 2026-06-16 |
Inventors
| Inventor | Place | Patents | Person page | Source |
|---|---|---|---|---|
| Michelle K. Plomske | Durango, CO | 13 | PTBLXML, file of 2026-06-16 | |
| Charles E. Watts | Durango, CO | 23 | PTBLXML, file of 2026-06-16 | |
| Matthew D. Ozvat | Durango, CO | 26 | PTBLXML, file of 2026-06-16 |
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 | G06Q20/38215 | PTBLXML, file of 2026-06-16 |
Cooperative Patent Classification, as currently assigned (one row per subclass).
Assignments and security interests
| Recorded | What | From | To | Reel/frame | Source |
|---|---|---|---|---|---|
| 2026-01-12 | Release of security interest Release of security interest in intellectual property recorded at r/f 066624/0719 | JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT signed 2026-01-09 | WORLDPAY, LLC CINCINNATI, OH | 74315/412 | PASDL, file of 2026-10-25 |
| 2026-01-12 | Release of security interest Release of security interests recorded at reel/frames 066626/0655, 066625/0426, 066625/0347, and 066625/0276 | WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT signed 2026-01-09 | WORLDPAY, LLC CINCINNATI, OH WORLDPAY ISO AND ECOMMERCE, LLC CINCINNATI, OH PAYMETRIC, LLC CINCINNATI, OH WORLDPAY US, LLC CINCINNATI, OH | 74314/622 | PASDL, file of 2026-10-25 |
| 2024-02-19 | Security interest Security interest Security interest | WORLDPAY, LLC signed 2024-01-31 | WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT MINNEAPOLIS, MN | 66626/655 | PASDL, file of 2026-10-25 |
| 2024-02-19 | Security interest Security interest Security interest | WORLDPAY, LLC signed 2024-01-31 | JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT NEWARK, DE | 66624/719 | PASDL, file of 2026-10-25 |
| 2022-04-14 | Name change Change of name | VANTIV, LLC signed 2018-07-16 | WORLDPAY, LLC SYMMES TOWNSHIP, OH | 59704/949 | PASDL, file of 2026-10-15 |
| 2022-04-14 | Assignment Assignment of assignor's interest | MML 1 LLC signed 2017-07-12 | VANTIV, LLC DURANGO, CO | 59592/265 | PASDL, file of 2026-10-15 |
| 2022-04-14 | Assignment Assignment of assignor's interest | PLOMSKE, MICHELLE K. signed 2012-09-27 WATTS, CHARLES E. signed 2012-09-27 OZVAT, MATTHEW D. signed 2012-09-27 | MML 1 LLC DURANGO, CA | 59592/260 | 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.