Bluefin Payment Systems Vaultless Tokenization and Encryption System
Summary
The European Patent Office has published a patent application by Bluefin Payment Systems for a vaultless tokenization and encryption system. The system aims to enhance data security for payment processing through innovative tokenization and encryption methods.
What changed
The European Patent Office (EPO) has published a patent application (EP4708185A3) for a vaultless tokenization and encryption system developed by Bluefin Payment Systems, LLC. The system utilizes an iframe service for data collection and a tokenization service for encrypting/decrypting and tokenizing/detokenizing data. It includes template management for generating parameterized collection and processing of sensitive information, with access controlled via identifiers and authentication credentials.
This publication represents a new patent application and does not impose immediate compliance obligations. However, it signifies a technological advancement in payment security that may influence future industry standards and practices. Companies involved in payment processing, data security, and technology development should be aware of this patented technology, particularly its approach to vaultless tokenization and encryption, as it could impact competitive landscapes and the adoption of new security protocols.
Source document (simplified)
SYSTEMS AND PROCESSES FOR VAULTLESS TOKENIZATION AND ENCRYPTION
Search Report EP4708185A3 Kind: A3 Mar 18, 2026
Applicants
Bluefin Payment Systems, LLC
Inventors
BARNETT, Timothy William
Abstract
A system for vaultless tokenization and encryption includes an iframe service for collecting data and a tokenization service for (de)tokenizing and encrypting/decrypting data. The system is accessible to users and partners that submit requests causing various functions to be executed by the system. The functions include, but are not limited to, providing (de)tokenization and/or encryption services, and managing and creating templates for iframe collection, (de)tokenization, and encryption/decryption. A template service facilitates generation of templates that parametrize collection of original data via served iframe elements, tokenization and/or encryption of original data, and detokenizing and/or decrypting tokens to recover original data. An iframe service is configured for providing a virtual terminal, an iframe that provides users direct access to (de)tokenization and/or decryption/encryption services. Access to system services is managed via identifiers that include authentication credentials and parameters for performing (de)tokenization and/or encryption/decryption processes.
IPC Classifications
G06F 21/62 20130101AFI20260211BHEP G06F 21/60 20130101ALI20260211BHEP G06Q 20/34 20120101ALI20260211BHEP G06Q 20/38 20120101ALI20260211BHEP H04L 67/02 20220101ALI20260211BHEP H04L 9/40 20220101ALI20260211BHEP G06Q 30/0226 20230101ALI20260211BHEP G06Q 30/0601 20230101ALI20260211BHEP
Designated States
AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LI, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR
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