09256871 is referenced by 40 patents and cites 435 patents.

Methods and systems are disclosed for the generation and use of merchant-customizable token formats that define tokens that represent credit card and other payment numbers in online transactions. The tokens, which are used instead of the card numbers themselves for security, can be specified by the token format to have a certain number of characters, have certain fields reserved for major card identifiers, use encryption and/or randomization, be alphanumeric, and have other formatting. The customized tokens can be used with legacy equipment that uses longer or shorter card numbers than the standard sixteen-digit payment card number format and can be less likely to be recognized as related to card numbers by identify thieves.

Title
Configurable payment tokens
Application Number
13/558979
Publication Number
9256871 (B2)
Application Date
July 26, 2012
Publication Date
February 9, 2016
Inventor
Fergal Downey
Newry
GB
Seamus Cushley
Derry
GB
Lisa Anderson
San Francisco
CA, US
Agent
Kilpatrick Townsend & Stockton
Assignee
Visa U
CA, US
IPC
G06Q 20/22
G06Q 20/12
G06Q 20/38
G06Q 20/00
View Original Source