Eric B Carpenter

US Patent:

8489894, Jul 16, 2013

Filed:

May 26, 2011

Appl. No.:

13/116993

Inventors:

Stewart Comrie - The Woodlands TX, US
Eric Carpenter - Austin TX, US
Gary Epple - Austin TX, US

Assignee:

Paymetric, Inc. - Roswell GA

International Classification:

G06F 21/72

US Classification:

713189, 713172

Abstract:

A reference token service (RTS) is disclosed. Generally, the RTS receives sensitive data items from trusted source applications associated with particular merchants. Upon receipt of a particular sensitive data item from a particular merchant, the RTS identifies one or more reference token pools corresponding to the merchant. Each reference token pool includes a plurality of reference tokens comprising formats and data structures corresponding to sensitive data items and compatible with the merchant. The RTS receives a crypto token associated with the sensitive data item which may not conform to the merchant's formatting or data requirements. The RTS associates the crypto token with a reference token corresponding to the merchant, which is provided to the merchant for sharing and retrieval of the sensitive data item amongst the merchant's various applications.