Card Issuer Backend Token Reassignment for Wallet Provisioning
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Solution Overview
Problem
Cardholders who lose or do not receive their credit cards must wait for a new card to be issued before they can provision it to an electronic wallet, such as ApplePay, to conduct transactions, resulting in delayed access to payment services.
Innovation Solution
A method and system for card replacement that involves receiving a request from a cardholder to replace a lost or not received card, determining if the card is unprovisioned, generating a token, provisioning it to an electronic wallet, creating a replacement card number, and updating customer profiles, with the token service provider reassigning the token to the new card number.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a cardholder waits to receive a physical replacement card before provisioning it to an electronic wallet, then the cardholder can ensure the card is valid and not lost, but the cardholder experiences delayed access to payment services
Solution Approach 1:
The system performs preliminary tokenization of the replacement card number before the physical card is delivered to the cardholder. The token is provisioned to the electronic wallet in advance, so that when the cardholder receives the physical card, the digital version is already ready for immediate use, eliminating the waiting period while maintaining security through tokenization
Solution Approach 2:
The patent introduces a token as an intermediary representation of the card account. Instead of provisioning the actual card number directly, the system creates a token that represents the card account and provisions this token to the electronic wallet. This intermediary approach allows immediate digital access while the physical card is being manufactured and delivered, resolving the contradiction between speed and security
2Speed
If the system provisions a token to an electronic wallet immediately upon card replacement request, then the cardholder gains immediate access to payment services, but the system must ensure the original card was not already provisioned
Solution Approach 1:
The system implements a feedback mechanism that checks the provisioning status of the original card before proceeding with tokenization of the replacement card. The card issuer backend queries the electronic wallet provider to determine whether the original card number is already tokenized, and only proceeds with replacement tokenization if the original is unprovisioned, preventing duplicate tokens while enabling fast processing
3Adaptability or versatility
If the token service provider reassigns the token from the lost card to the replacement card, then the cardholder maintains continuous access to the same digital card, but the system must manage the complex reassignment process
Solution Approach 1:
The token service provider acts as an intermediary that manages the reassignment of tokens from the lost card number to the replacement card number. This specialized intermediary handles the complex reassignment logic, allowing the card issuer backend to simply request reassignment without managing the intricate details of token lifecycle management, thus enabling continuous digital access while simplifying the overall system complexity
Solution Approach 2:
The system creates a new token for the replacement card that copies the functionality and access rights of the original token. Instead of directly transferring the original token, the system generates a new token representation that replicates the card account access, allowing seamless continuation of digital wallet functionality while the underlying card number changes
Data Source
AI summary
Systems and methods for card replacement are disclosed. In one embodiment, in a card issuer backend comprising at least one computer processor, a method for card replacement may include: receiving, from a cardholder, a request to replace a lost card; determining that the lost/not received card has not been provisioned to an electronic wallet associated with the cardholder; generating a token for the lost card; provisioning the token to the electronic wallet; generating a replacement card number for the lost card; requesting that a token service provider assign the token for the lost card to the replacement card number; and updating a customer profile with the replacement card information. The token service provider may change an association of a token from being associated with the lost card to being associated with the replacement card, and may provide the electronic wallet with replacement card information via an electronic wallet provider.