System and method for local data conversion

Abstract

Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.

Description

CROSS-REFERENCES TO RELATED APPLICATIONS[0001]The present application is a non-provisional application of and claims priority to U.S. Provisional Application No. 61 / 643,050, filed May 4, 2012, the entire contents of which are herein incorporated by reference for all purposes.BACKGROUND[0002]As electronic devices become more abundant, powerful, and capable of performing more tasks, mobile communication devices have become instrumental in processing and completing a number of different types of transactions. This is especially true of developing and rural regions where traditional transaction processing infrastructure does not exist. Accordingly, the use of mobile devices in payment transactions has become more common, ubiquitous, and desirable by consumers. However, as more cities, counties, states, countries, and regions use mobile and public communications infrastructure for processing payments, different national, legal, and geographical barriers have created a patchwork of differ...

AI Technical Summary

Benefits of technology

[0005]Embodiments of the invention are directed to methods, apparatuses, computer readable media, and systems for processing transactions at a central processor located outside of a restricted zone using conversion or filtering of restricted data to unrestricted data. Embodiments of the present invention provide an easily customizable system that facilitates centralized processing of transactions comprising restricted information for different regions with different restrictions in order to allow a centralized processor located outside of a restricted area to process a transaction originating from within a restricted area.

Problems solved by technology

However, as more cities, counties, states, countries, and regions use mobile and public communications infrastructure for processing payments, different national, legal, and geographical barriers have created a patchwork of different regulations, restrictions, and rules related to the transfer of information across these legal and physical barriers.

For example, some regions may have restrictions on the type of information that can be exported outside of the region and / or may have limited data processing capabilities.

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