SYSTEMS AND METHODS FOR INTEROPERABLE NETWORK TOKEN PROCESSING Russian patent published in 2018 - IPC G06Q20/40 H04L9/32 

FIELD: computing; counting.

SUBSTANCE: invention relates to methods, system and servers for processing transactions. Method comprises receiving an authorisation request message comprising a payment token, which comprises a payment token issuer identifier, which is a substitute for a real issuer identifier for an issuer and is static for the issuer, identify a token presentation mode indicator in the authorisation request message indicating the payment token presentation mode, validating that the payment token is associated with the token presentation mode, while confirming that the presentation mode indicated by the token presentation mode indicator matches the previously stored presentation mode associated with the payment token, authenticating the transaction based on the token presentation mode, determining the real account identifier associated with the payment token, generating a modified authorisation request message comprising the real account identifier, and sending the modified authorisation request message to the issuer for confirmation.

EFFECT: technical result is to ensure the security of transactions.

40 cl, 12 dwg