![]() ![]() The issuer store the token for future payment.According to the payment system rules, the additional authentication must not be requested. If it is correct, the Tokenization Authorization request with the PAN source = In-App is sent to the issuer. The application sends the tokenization request together with TAV to the pay system or digital wallet.The issuer calculates the signature, the application generates TAV.The application sends the TAV / TAVV calculation request to the issuer.The customer presses the "Make Card Available for Contactless Payments" or "Make Card Available for Payments from this Device" button.The customer selects the card from the list of their cards.The customer logs in to the issuer mobile application (mobile banking).The tokenization of cards in digital wallets such as Apple Pay, Samsung Pay, Android Pay is performed as follows: The payment system checks whether or not the token is linked to the merchant transactions executed using the similar token that belongs to some other merchant will be declined. Card On File – token is issued for a certain merchant to avoid storing of the card PAN. ![]() Host Card Emulation (for example, Samsung Pay and Android Pay are based on this technology).Secure Element (for example, Apple Pay is based on this technology).The following types of tokens are available: Several tokens can be issued for the same card. It is the analogue of the card PAN that contains no personal data. When the tokenization technology is used, the issuer does not directly interact with digital wallets but with the respective services of payment systems.Ī card token is a card alias. Tokenization is the process of converting (replacing) sensitive financial data (PAN) to their digital insensitive equivalents. ![]()
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