Abstract

Systems and methods are disclosed for provisioning virtual and physical card accounts onto digital wallets. Upon receiving a provisioning request, a server computer identifies an account type using internal database indicators and routes tokenization requests to an appropriate entity-an issuer for physical card accounts, and an issuer token service provider for virtual accounts. The invention eliminates a need for issuers to provide dedicated account ranges for virtual cards, supports provisioning on existing BIN ranges, and enhances issuer flexibility and commercial offerings in electronic payment systems. The system utilizes internal logic for the account type identification and routing, streamlining the provisioning flow and enabling seamless support for all card products on mobile wallets

Creative Commons License

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.

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