PAYMENT NETWORK TOKENIZATIONDIGITAL WALLET AT POS PAYMENT PROCESSING FLOW

Payment Network (or Issuer Processor) calls out to TSP for De-Tokenization, Cryptogram Validation, Domain Control Checks, TSP returns PAN and validation results

MERCHANT ACQUIRERWallet presents token and single-use cryptogram to POS, authorization request sent to Merchant Acquirer

STEP

2STEP

TRANSACTION BY CUSTOMER

4STEP

TOKEN SERVICE PROVIDER

3STEP

PAYMENT NETWORK

6STEP

5STEP

Issuer Processor authorizes transaction with PAN and De-Tokenization Callout validation results

ISSUERPROCESSOR

Token data reports provided to Issuer

ISSUER

1

Cryptogram and token within authorization request sent to payment networkGLOSSARY

PAN = Primary Account NumberPOS = Point of SaleTSP = Token Service Provider