US 11,636,473 B2Granted

Altering account numbers into invalid account numbers for secure transmission and storage

AssigneeInternational Business Machines Corporation

InventorsKensuke Hashimoto, Kenji Yamashita, Masaya Yamada, Hideki Shibata, Kohji Horii

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Abstract

A computer-implemented method includes: obtaining, by a computing device, an original Personal Account Number (PAN) to be transformed; transforming, by the computing device, the original PAN to form a transformed PAN; performing, by the computing device, a verification on the transformed PAN; determining, by the computing device, whether the transformed PAN passes verification; and storing or outputting, by the computing device, the transformed PAN based on determining that the transformed PAN does not pass verification, wherein the original PAN is later recovered from the transformed PAN to process a transaction.

Claims18

Dependent claims

A computer-implemented method comprising:

obtaining, by a computing device, an original Personal Account Number (PAN) to be transformed;
dividing, by the computing device, the original PAN into a first portion and a second portion;
generating, by the computing device, a converted portion by performing a conversion rule on the first portion of the original PAN;
generating, by the computing device, a tokenized portion by performing a tokenization technique on the second portion of the original PAN;
generating, by the computing device, a transformed PAN by concatenating the converted portion and the tokenized portion, the transformed PAN is an unverified PAN that has not been verified as an invalid PAN or a valid PAN, wherein the invalid PAN is used to process a transaction and the valid PAN is re-transformed to change the transformed PAN into the invalid PAN;
performing, by the computing device, a verification check on the transformed PAN to check whether the transformed PAN that is the unverified PAN is the invalid PAN;
determining, by the computing device, whether the transformed PAN is the valid PAN as a result of the verification check and finding the transformed PAN passed the verification check and was found to be the valid PAN;
generating, by the computing device and as a result of the verification check verifying that the transformed PAN is the valid PAN, a re-converted portion, the reconverted portion being generated by changing only a single digit of the converted portion;
generating, by the computing device, a re-transformed PAN by concatenating the re-converted portion and the tokenized portion, the re-transformed PAN being the invalid PAN as a result of the changing only the single digit of the converted portion;
and
storing or outputting, by the computing device, the re-transformed PAN,
wherein the computing device performs the generating the re-transformed PAN before performing the storing or outputting, and
the original PAN is later recovered from the re-transformed PAN that is the invalid PAN to process the transaction.

10 more elements

A computer program product comprising a computer readable storage medium having program instructions embodied therewith, the program instructions executable by a computing device to cause the computing device to:

obtain an original Personal Account Number (PAN) to be transformed;
generate a converted portion by converting characters in a first portion of the original PAN in accordance with a conversion rule;
generate a tokenized portion by tokenizing characters in a second portion of the original PAN;
generate a transformed PAN by concatenating the converted portion and the tokenized portion, the transformed PAN is an unverified PAN that has not been verified as an invalid PAN or a valid PAN, wherein the invalid PAN is used to process a transaction and the valid PAN is re-transformed to change the transformed PAN into the invalid PAN;
perform a verification check on the transformed PAN to check whether the transformed PAN is the invalid PAN;
determine whether the transformed PAN is the valid PAN as a result of the verification check and finding the transformed PAN passed the verification check and was found to be the valid PAN;
generate, as a result of the verification check verifying the transformed PAN is the valid PAN, a re-converted portion, the reconverted portion being generated by changing only a single digit of the converted portion;
generate a re-transformed PAN by concatenating the re-converted portion and the tokenized portion, the re-transformed PAN being the invalid PAN as a result of the changing only the single digit of the converted portion;
and
store or output the re-transformed PAN,
wherein the program instructions generate the re-transformed PAN before the storing or outputting, and
the original PAN is later recovered from the re-transformed PAN that is the invalid PAN to process the transaction.

9 more elements

A system comprising:

a processor, a computer readable memory and a computer readable storage medium associated with a computing device;
program instructions to obtain an original Personal Account Number (PAN) to be transformed;
program instructions to generate a converted portion by converting characters in a first portion of the original PAN in accordance with a conversion rule;
program instructions to generate a tokenized portion by tokenizing characters in a second portion of the original PAN;
program instructions to generate a transformed PAN by concatenating the converted portion and the tokenized portion, the transformed PAN is an unverified PAN that has not been verified as an invalid PAN or a valid PAN, wherein the invalid PAN is used to process a transaction and the valid PAN is re-transformed to change the transformed PAN into the invalid PAN;
program instructions to perform a verification check on the transformed PAN to check whether the transformed PAN is the invalid PAN;
program instructions to determine whether the transformed PAN is the valid PAN as a result of the verification check and finding the transformed PAN passed the verification check and was found to be the valid PAN;
program instructions to generate, as a result of the verification check verifying that the transformed PAN is the valid PAN, a re-converted portion, the reconverted portion being generated by changing only a single digit of the converted portion;
program instructions to generate a re-transformed PAN by concatenating the re-converted portion and the tokenized portion, the re-transformed PAN being the invalid PAN as a result of the changing only the single digit of the converted portion;
and
program instructions to store or output the re-transformed PAN,
wherein the program instructions generate the re-transformed PAN before the storing or outputting,
the original PAN is later recovered from the re-transformed PAN that is the invalid PAN to process the transaction, and
wherein the program instructions are stored on the computer readable storage medium for execution by the processor via the computer readable memory.

11 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/184,049Filed 8 Nov 2018
Published: US 2020/0151711 A114 May 2020
Granted: 25 Apr 2023
Term ends: Not estimatedThe source records don’t support an estimate.

Classification6 codes

G06Q 20/22
Payment architectures, schemes or protocols: payment schemes or models
G06Q 20/385
Payment protocols; Details thereof: using an alias or single-use codes
G06Q 20/227
Payment schemes or models: characterised in that multiple accounts are available, e.g. to the payer
G06Q 20/34
Characterised by the use of specific devices or networks: using cards, e.g. integrated circuit [IC] cards or magnetic cards