Digital Wallet Tokenization Patent Method for Acquirer Processor Tokenizing Encrypted Payment Data
Summary
USPTO published patent application US20260099835A1 for a system and method of tokenizing information from a digital wallet host by an acquirer processor. The patent covers receiving encrypted payment payloads, transmitting low-value tokens to merchants, processing authorization requests, and handling issuer financial institution decisions.
What changed
USPTO published a patent application for a digital wallet tokenization system involving an acquirer processor. The invention covers systems and methods for receiving encrypted payment payloads from digital wallet hosts, transmitting low-value tokens to merchants, processing authorization requests, and routing authorization decisions between merchants and issuer financial institutions.\n\nTechnology companies and fintech firms developing digital wallet payment tokenization systems should review this patent for potential infringement implications. The granted patent could affect product development strategies and may require licensing negotiations or design-around considerations.
What to do next
- Review patent claims for potential infringement
- Assess licensing requirements for digital wallet tokenization
- Monitor USPTO for patent grant status
Archived snapshot
Apr 11, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
SYSTEM AND METHOD FOR TOKENIZING INFORMATION FROM A DIGITAL WALLET HOST BY AN ACQUIRER PROCESSOR
Application US20260099835A1 Kind: A1 Apr 09, 2026
Inventors
William H. COHN, Sayid SHABEER, David TARBOX
Abstract
Systems and methods are provided for receiving an encrypted payment payload from a digital wallet host, transmitting a low value token to a merchant, receiving an authorization request, requesting authorization for the transaction from an issuer financial institution using financial data from the encrypted payment payload, receiving an authorization decision from the issuer financial institution, and transmitting an authorization response to the merchant.
CPC Classifications
G06Q 20/363 G06Q 20/3674 G06Q 20/401 G06Q 2220/00
Filing Date
2025-12-10
Application No.
19415267
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