CPC H04L 9/3213 (2013.01) [G06Q 20/12 (2013.01); G06Q 20/14 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/3674 (2013.01); G06Q 20/385 (2013.01); H04L 63/062 (2013.01); H04L 63/08 (2013.01); H04L 9/32 (2013.01)] | 20 Claims |
1. A method, comprising:
providing by a resource provider computer to a service provider computer, a token request message for a token authentication cryptogram, wherein the service provider computer generates the token authentication cryptogram by encrypting at least user exclusive data;
receiving, by the resource provider computer from the service provider computer, the token authentication cryptogram; and
transmitting, by the resource provider computer, an authorization request message comprising a token, an amount, and the token authentication cryptogram to a transaction processing computer, wherein the transaction processing computer decrypts the token authentication cryptogram to obtain the user exclusive data and performs an additional analysis using the user exclusive data, wherein the token is a substitute for a credential.
|