Mastercard Incorporated
SYSTEMS AND METHODS FOR SECURING DATA USING A TOKEN

Abstract:

Provided herein is a computing system for electronically transmitting a token linked to personally identifying information (PII) of a user to a merchant. The computing system includes a processor in communication at a memory device, and the processor is programmed to: (i) receive PII, issued payment instrument data, and a user identifier associated with a user, (ii) store the PII, issued payment instrument data, and user identifier in the memory device, (iii) receive an identification request for a user associated with a transaction including payment instrument data, (iv) perform a lookup in the memory device to retrieve the PII of the user and the stored user identifier associated with the received payment instrument data, (v) receive a user input identifier from the user to authenticate the user, (vi) generate a token that links the PII of the user to the transaction, and (vii) transmit the token to the merchant.