Systems and methods for substitute low-value tokens in secure network transactions

Abstract

Methods and systems are disclosed for enabling the creation of substitute low-value token creation, comprising providing software content to a content delivery network wherein, when transmitted to a user browser, the software content is configured to enable the user browser to create a substitute low-value token if a token service is unavailable, wherein the content delivery network is configured to provide the software content to at least one user browser, and receiving the substitute low-value token from a merchant system, the substitute low-value token having been generated by the user browser in response to the user browser being unable to obtain a low-value token from the token service.

1 .- 20 . (canceled) 
     
     
         21 . A method for performing a secure electronic transaction using a substitute low-value token, the method comprising:
 receiving, by an electronic transaction processor, an authorization request including the substitute low-value token from a merchant system, the substitute low-value token having been generated by a user browser based on a token service being unavailable and transmitted from the user browser to the merchant system; and   providing, by the electronic transaction processor, an authorization response to the merchant system, based on the authorization request including the substitute low-value token.   
     
     
         22 . The method of  claim 21 , further comprising:
 transmitting, by the electronic transaction processor, software content to a content delivery network, the software content comprising computer-executable instructions which, when executed by the user browser, cause the user browser to generate the substitute low-value token based on determining that the token service is unavailable.   
     
     
         23 . The method of  claim 21 , further comprising:
 converting, by the electronic transaction processor, the substitute low-value token to a primary token; and   transmitting, by the electronic transaction processor, the primary token to the merchant system.   
     
     
         24 . The method of  claim 23 , wherein the primary token is reusable for subsequent electronic transactions by the merchant system. 
     
     
         25 . The method of  claim 21 , wherein the software content comprises a public key to encrypt cardholder data in the substitute low-value token. 
     
     
         26 . The method of  claim 21 , wherein the substitute low-value token comprises encrypted cardholder data. 
     
     
         27 . The method of  claim 21 , wherein the software content is transmitted to the user browser in response to the user browser being unable to access the token service. 
     
     
         28 . An electronic transaction processor for performing a secure electronic transaction using a substitute low-value token, the electronic transaction processor comprising:
 a memory configured to store instructions; and   a processor configured to execute the instructions to perform operations comprising:
 receiving an authorization request including the substitute low-value token from a merchant system, the substitute low-value token having been generated by a user browser based on a token service being unavailable and transmitted from the user browser to the merchant system; and 
 providing an authorization response to the merchant system, based on the authorization request including the substitute low-value token. 
   
     
     
         29 . The electronic transaction processor of  claim 28 , wherein the operations further comprise:
 transmitting software content to a content delivery network, the software content comprising computer-executable instructions which, when executed by the user browser, cause the user browser to generate the substitute low-value token based on determining that the token service is unavailable.   
     
     
         30 . The electronic transaction processor of  claim 28 , wherein the operations further comprise:
 converting the substitute low-value token to a primary token; and   transmitting the primary token to the merchant system.   
     
     
         31 . The electronic transaction processor of  claim 30 , wherein the primary token is reusable for subsequent electronic transactions by the merchant system. 
     
     
         32 . The electronic transaction processor of  claim 28 , wherein the software content comprises a public key to encrypt cardholder data in the substitute low-value token. 
     
     
         33 . The electronic transaction processor of  claim 28 , wherein the substitute low-value token comprises encrypted cardholder data. 
     
     
         34 . The electronic transaction processor of  claim 28 , wherein the software content is transmitted to the user browser in response to the user browser being unable to access the token service. 
     
     
         35 . A non-transitory computer-readable medium storing instructions that, when executed by a processor for performing a secure electronic transaction using a substitute low-value token, cause the processor to perform operations comprising:
 receiving an authorization request including the substitute low-value token from a merchant system, the substitute low-value token having been generated by a user browser based on a token service being unavailable and transmitted from the user browser to the merchant system; and   providing an authorization response to the merchant system, based on the authorization request including the substitute low-value token.   
     
     
         36 . The non-transitory computer-readable medium of  claim 35 , wherein the operations further comprise:
 transmitting software content to a content delivery network, the software content comprising computer-executable instructions which, when executed by the user browser, cause the user browser to generate the substitute low-value token based on determining that the token service is unavailable.   
     
     
         37 . The non-transitory computer-readable medium of  claim 35 , wherein the operations further comprise:
 converting the substitute low-value token to a primary token; and   transmitting the primary token to the merchant system.   
     
     
         38 . The non-transitory computer-readable medium of  claim 37 , wherein the primary token is reusable for subsequent electronic transactions by the merchant system. 
     
     
         39 . The non-transitory computer-readable medium of  claim 35 , wherein the software content comprises a public key to encrypt cardholder data in the substitute low-value token. 
     
     
         40 . The non-transitory computer-readable medium of  claim 35 , wherein the substitute low-value token comprises encrypted cardholder data.