09092777 is referenced by 7 patents and cites 38 patents.

The present invention provides techniques in connection with payment transactions. Techniques are included in which a non-merchant entity generates, stores, and provides to a merchant a token that can be stored and used by the merchant, for example, in place of a credit card number, in connection with a desired payment transaction. The token may be randomized, including alphanumeric characters, be of equal length to the credit card number, and include a configurable character sequence that is identical to a sequence of numbers in the credit card number. Additionally, the token may have a configurable maximum amount of time between generation and expiry, and may be useable in connection with only a single desired payment transaction. Storage and use of a token, instead of a credit card number, by the merchant in connection with the payment transaction may prevent the merchant from being subject to Payment Card Industry Data Security Standard requirements.

Title
Credit card tokenization techniques
Application Number
13/683917
Publication Number
9092777 (B1)
Application Date
November 21, 2012
Publication Date
July 28, 2015
Inventor
Don Gaspar
Los Gatos
CA, US
Agent
James Woods
Mauriel Kapouytian Woods
Assignee
YapStone
CA, US
IPC
G06Q 20/00
G06Q 20/06
G06Q 20/38
G06Q 99/00
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