Payment Profile Migration via Tokenization
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Solution Overview
Problem
Merchants face challenges in migrating payment profiles from one third-party service provider to another, particularly due to differences in file formats and security token compatibility, which can lead to data security risks and operational disruptions.
Innovation Solution
A system and method for payment profile migration that involves a migration service provider, which generates new payment profiles and tokens in a different file format, performs payment transaction tests, and assesses security risks, ensuring secure and format-compatible data transfer between service providers.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If payment profiles are migrated from one service provider to another with different file formats, then service provider flexibility is improved, but data compatibility and security risks worsen
Solution Approach 1:
The patent introduces a tokenization layer as an intermediary between the old payment profiles and the new service provider. Payment tokens are generated that bridge the first file format (from old provider) and the second file format (required by new provider), enabling format conversion without direct exposure of sensitive payment data. This mediator resolves the contradiction by allowing format flexibility while maintaining data compatibility through standardized token interfaces.
Solution Approach 2:
The system changes the representation parameters of payment data by converting raw payment information into tokenized representations. The file format parameters are transformed through tokenization, where payment profiles are encoded into a standardized token structure that can be interpreted by different service providers. This parameter transformation enables adaptability across providers while preserving data integrity and compatibility.
2Adaptability or versatility
If payment profiles are migrated between service providers, then service switching capability is improved, but security risks and operational disruptions worsen
Solution Approach 1:
The patent extracts sensitive payment information from the migration process by introducing tokenization. Instead of migrating raw payment data (which creates security risks), only tokenized representations are transferred. The actual sensitive payment profiles remain with the original service provider, while tokens serve as placeholders that can be processed by the new provider. This extraction of sensitive data from the migration stream eliminates security risks while preserving service switching capability.
Solution Approach 2:
The system performs preliminary tokenization of payment profiles before migration occurs. By pre-converting payment data into secure tokens and validating the migration process in advance through testing, the system prepares everything needed for secure migration without exposing sensitive information during transfer. This preliminary action prevents security risks by ensuring that only sanitized, tokenized data enters the migration pipeline.
3Adaptability or versatility
If payment profiles are converted to different file formats, then format compatibility is improved, but data accuracy and integrity worsen
Solution Approach 1:
The patent creates accurate copies of payment profiles through tokenization. Instead of directly converting between different file formats (which can introduce errors), the system creates tokenized copies that faithfully represent the original payment data structure. These token copies can then be accurately transformed into the required target format. The copying process preserves data accuracy by maintaining the semantic integrity of payment information through standardized token representations.
Data Source
AI summary
A system may perform operations that include receiving, by a migration service provider computer that includes one or more hardware processors, a first set of payment profiles that are stored on a third-party service provider computer according to a first file format. The first set of payment profiles may be associated with a first set of payment tokens corresponding to the third-party service provider computer. The operations may include executing a profile migration to generate, based on a second file format that is different from the first file format, a new set of payment profiles corresponding to the first set of payment profiles. The operations may also include removing the first payment token from the system and generating a new set of payment tokens corresponding to the new set of payment profiles.