Multi-network token bin routing with defined verification parameters

Abstract

Techniques described herein relate to using tokenization with BIN table routing by configuring a computer system, such as an acquirer computer, to utilize a token BIN translation table to determine which payment processing network(s) are eligible to route a transaction based upon a utilized token. In an embodiment, each token BIN translation table entry associates a token BIN with one or more payment processing networks that are eligible to route transactions. An acquirer computer, upon receiving a token for a transaction, thus may flexibly route the transaction to an eligible network from the set of payment processing networks identified by the entry corresponding to the token's BIN value. The entry may further identify verification methods for the eligible payment processing networks, and may identify product type attributes of the account associated with the token, either of which may be used in determining which payment processing network to select.

1 .- 20 . (canceled) 
     
     
         21 . A method, comprising:
 receiving, at a computing device, a first transaction information for a first transaction, wherein the first transaction information includes a first token value associated with a first account serving as a payment account for the first transaction, wherein the first token value is a substitute for a first primary account number of the first account and includes a first token issuer identifier;   identifying, by the computing device based upon the first token issuer identifier, a first entry of a plurality of entries of a token translation table comprising a plurality of token issuer identifiers, each token issuer identifier associated with multiple payment processing networks, wherein the first entry is associated with the first token issuer identifier and identifies a plurality of payment processing networks that are eligible to process transactions associated with the first token issuer identifier;   selecting, by the computing device, a first payment processing network of the plurality of payment processing networks to process the first transaction based at least in part upon the first token issuer identifier;   transmitting, by the computing device, the first transaction information to the selected first payment processing network; and   updating, by the computing device, the token issuer identifiers in the token translation table with updated token issuer identifiers without altering the multiple payment processing networks in the token translation table to form an updated token translation table.   
     
     
         22 . The method of  claim 21 , wherein:
 at least one of the plurality of payment processing networks that are eligible to process transactions associated with the first token issuer identifier is a credit network; and   at least one of the plurality of payment processing networks that are eligible to process transactions associated with the first token issuer identifier is a debit network.   
     
     
         23 . The method of  claim 21 , wherein:
 the first transaction information further includes a first verification method;   each payment processing network is associated with one or more verification methods; and   the selecting the first payment processing network is further based upon the first verification method.   
     
     
         24 . The method of  claim 23 , further comprising updating the verification methods in the token translation table. 
     
     
         25 . The method of  claim 23 , wherein:
 at least one of the one or more verification methods indicates that the corresponding payment processing network is a personal identification number (PIN) verification network; and   at least one of the one or more verification methods indicates that the corresponding payment processing network is a signature verification network.   
     
     
         26 . The method of  claim 21 , wherein:
 the first token issuer identifier comprises a token bank identification number (BIN); and   the plurality of entries of the token translation table include a plurality of token BINs.   
     
     
         27 . The method of  claim 21 , wherein the updated token issuer identifiers are received from an issuer of primary account numbers associated with tokens using the updated token issuer identifiers. 
     
     
         28 . The method of  claim 21 , further comprising:
 identifying, based on the first transaction information, an account enhancement attribute corresponding to the first account,   wherein the first payment processing network of the plurality of payment processing networks to process the first transaction is further selected based upon the account enhancement attribute.   
     
     
         29 . A computing device, comprising:
 one or more processors;   one or more network interfaces communicatively coupled with the one or more processors; and   a non-transitory computer readable storage medium, coupled to the one or more processors, that stores instructions which, when executed by the one or more processors, cause the computing device to perform operations comprising:   receiving, at the one or more network interfaces, a first transaction information for a first transaction, wherein the first transaction information includes a first token value associated with a first account serving as a payment account for the first transaction, wherein the first token value is a substitute for a first primary account number of the first account and includes a first token issuer identifier;   identifying, based upon the first token issuer identifier, a first entry of a plurality of entries of a token translation table comprising a plurality of token issuer identifiers, each token issuer identifier associated with multiple payment processing networks, wherein the first entry is associated with the first token issuer identifier and identifies a plurality of payment processing networks that are eligible to process transactions associated with the first token issuer identifier;   selecting a first payment processing network of the plurality of payment processing networks to process the first transaction based at least in part upon the first token issuer identifier;   transmitting, by the one or more network interfaces, the first transaction information to the selected first payment processing network; and   updating, by the computing device, the token issuer identifiers in the token translation table with updated token issuer identifiers without altering the multiple payment processing networks and their associated verification methods in the token translation table to form an updated token translation table.   
     
     
         30 . The computing device of  claim 29 , wherein:
 at least one of the plurality of payment processing networks that are eligible to process transactions associated with the first token issuer identifier is a credit network; and   at least one of the plurality of payment processing networks that are eligible to process transactions associated with the first token issuer identifier is a debit network.   
     
     
         31 . The computing device of  claim 29 , wherein:
 the first transaction information further includes a first verification method;   each payment processing network is associated with one or more verification methods; and   the selecting the first payment processing network is further based upon the first verification method.   
     
     
         32 . The computing device of  claim 29 , wherein:
 The first token issuer identifier comprises a token bank identification number (BIN); and   the plurality of entries of the token translation table include a plurality of token BINs.   
     
     
         33 . The computing device of  claim 29 , wherein the identified first entry further identifies a type of account associated with the first token issuer identifier. 
     
     
         34 . The computing device of  claim 29 , further comprising:
 identifying, based on the first transaction information, an account enhancement attribute corresponding to the first account,   wherein the first payment processing network of the plurality of payment processing networks to process the first transaction is further selected based upon the account enhancement attribute.   
     
     
         35 . A method, comprising:
 determining, by a computing device, a first payment processing network and a first associated verification method to be made eligible for processing transactions for a first account;   searching, by the computing device, one or more token translation tables to identify a first entry of a plurality of entries in the one or more token translation tables corresponding to the determined first payment processing network and the first associated verification method, each of the token translation tables comprising a plurality of token issuer identifiers, each token issuer identifier associated with multiple payment processing networks, and each payment processing network associated with one or more verification methods, wherein the first entry is associated with a first token issuer identifier and identifies a plurality of payment processing networks that are eligible to process transactions associated with the first token issuer identifier;   identifying, by the computing device, the first token issuer identifier associated with the first entry; and   causing, by the computing device, the first token issuer identifier to be used for a first token value generated for the first account.   
     
     
         36 . The method of  claim 35 , wherein causing the first token issuer identifier to be used for the first token value generated for the first account comprises causing one or more payment applications or access devices to be configured to generate tokens for the first account using the first token issuer identifier. 
     
     
         37 . The method of  claim 35 , wherein causing the first token issuer identifier to be used for the first token value generated for the first account comprises configuring token generation logic in the computing device to generate tokens for the first account using the first token issuer identifier. 
     
     
         38 . The method of  claim 35 , further comprising, before determining the first payment processing network, determining a need to configure payment processing for the first account. 
     
     
         39 . The method of  claim 35 , further comprising:
 determining, by the computing device, a second payment processing network and a second associated verification method to be made eligible for processing transactions for a second account;   searching, by the computing device, the one or more token translation tables to determine that there is not an entry in the one or more token translation tables corresponding to the determined second payment processing network and the second associated verification method;   selecting, by the computing device, a second token issuer identifier;   publishing, by the computing device, a second token translation table entry having the selected second token issuer identifier, the second payment processing network, and the second associated verification method; and   causing, by the computing device, the second token issuer identifier to be used for a second token value generated for the second account.   
     
     
         40 . The method of  claim 35 , wherein:
 the first token issuer identifier comprises a token bank identification number (BIN); and   the plurality of entries of the token translation tables include a plurality of token BINs.