Token Gateway Mediator for Scalable Token Provisioning

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Solution Overview

Problem

Existing tokenization systems require token requestors to interact with multiple token service providers, leading to complexity, inflexibility, and scalability issues, as well as limitations in handling temporary service outages.

Innovation Solution

A token gateway computer that manages interactions between token requestors and multiple token service providers, routing requests and responses, and providing a flexible and scalable interface for token provisioning and management.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If token requestors interact with multiple token service providers directly, then token provisioning can be achieved, but system complexity and maintenance burden increase significantly

Engineering Contradiction:
Improvetoken provisioning capabilityVSAvoidsystem complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent introduces a token service provider as an intermediary component that mediates between token requestors and multiple token service providers. This intermediary manages the complexity of interacting with multiple providers, handling token requests, routing them to appropriate providers, and aggregating responses. The intermediary abstracts the complexity from token requestors while maintaining the ability to work with multiple providers, thus resolving the contradiction between versatility and complexity.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If each token requestor connects to multiple token service providers, then token availability is improved, but integration and maintenance difficulty increases

Engineering Contradiction:
Improvetoken availabilityVSAvoidintegration ease
Core Design Contradiction:
ReliabilityVSEase of manufacture

Solution Approach 1:

The patent merges the functionality of multiple token service provider connections into a single token service provider component. This consolidated provider maintains connections to multiple underlying providers internally but presents a unified interface to token requestors. This merging approach maintains token availability through multiple providers while significantly simplifying integration and maintenance, as token requestors only need to integrate with one provider rather than manage multiple connections.

Inventive Principle:
Principle #5Merging (Combining)

3Adaptability or versatility

If token requestors manage multiple token service provider interfaces, then comprehensive token access is achieved, but operational simplicity is reduced

Engineering Contradiction:
Improvetoken access coverageVSAvoidoperational simplicity
Core Design Contradiction:
Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent segments the system into distinct functional layers: token requestors, a single token service provider (intermediary), and multiple underlying token service providers. This segmentation allows token requestors to operate simply by interacting with their single provider, while the intermediary handles the complexity of segmenting and routing requests to multiple underlying providers. The segmentation preserves comprehensive token access capability while maintaining operational simplicity at the user level.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS20250132917A1Method and system for token gateway
Publication Date: 2025.04.24 VISA INTERNATIONAL SERVICE ASSOCIATION
  • US20250132917A1 patent drawing
  • US20250132917A1 patent drawing
  • US20250132917A1 patent drawing

AI summary

A method is disclosed. The method includes receiving, by a token gateway, a first request message from a token requestor computer. The token gateway determines at least one token service computer from a plurality of token service computers, each token service computer in the plurality of token service computers operating independently of each other. The token gateway transmits at least one second request message to the at least one token service computer and receives, at least one first response message comprising at least one token and/or supplemental data associated with the at least one token from the at least one token service computer. The token gateway transmits a second response message to the token requestor computer, the second response message comprising the at least one token and/or the supplemental data.