Dynamic Cryptogram Formatting for Varying Account Lengths
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Solution Overview
Problem
Current systems are not equipped to handle transaction account numbers of varying lengths while ensuring proper inclusion of cryptograms and other data in payment transactions, due to data space limitations in traditional computing systems.
Innovation Solution
A computing device is configured to generate and validate cryptograms for varying account number lengths by using specific formatting templates that accommodate different lengths of transaction account numbers and unpredictable numbers, allowing for the inclusion of additional data in a data string formatted according to these templates.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If traditional computing systems use fixed data formatting for payment transactions, then data transmission is simple and reliable, but the system cannot accommodate transaction account numbers of varying lengths
Solution Approach 1:
The patent implements dynamic data formatting where the system automatically adjusts the structure and length of data fields based on the actual account number length. The formatting template is no longer static but adapts dynamically to accommodate 13, 16, or 19-digit account numbers, thereby resolving the contradiction between adaptability and complexity by making the system flexible rather than rigid
Solution Approach 2:
The system changes the parameter of data field lengths according to the account number length. Instead of using fixed-length fields, the patent allows data fields to expand or contract based on the actual account number length, enabling the system to handle varying account lengths without requiring completely different formatting structures for each case
2Adaptability or versatility
If data fields are expanded to accommodate longer account numbers, then more account types can be supported, but the cryptogram validation becomes more difficult due to data space constraints
Solution Approach 1:
The patent segments the data transmission process into distinct components: account number fields, cryptogram fields, and validation fields. Each segment is independently formatted and validated according to its specific requirements. This segmentation allows the system to accommodate longer account numbers in specific fields without compromising the integrity or validation of cryptogram fields, thereby maintaining reliability while expanding versatility
Solution Approach 2:
The patent introduces an intermediary formatting layer that sits between the variable-length account numbers and the fixed-structure cryptogram validation process. This intermediary layer ensures that regardless of account number length variations, the cryptogram data receives consistent formatting and validation, thus maintaining validation reliability while supporting diverse account types
3Productivity
If fixed formatting templates are used for data transmission, then processing is efficient and straightforward, but the system cannot handle account numbers longer than 16 digits
Solution Approach 1:
The patent creates a universal formatting template that serves multiple functions: it can handle 13-digit, 16-digit, and 19-digit account numbers within a single structure. Rather than requiring separate processing paths for different account lengths, the universal template maintains consistent processing logic while adapting to various account number lengths, thereby preserving processing efficiency while gaining flexibility
Data Source
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AI summary
A method for enhanced validation of cryptograms for varying account number lengths includes: storing one or more primary account numbers and a plurality of formatting templates, each template being associated with an account number length; receiving a selection indicating a specific primary account number; identifying a specific formatting template where the associated account number length corresponds to a length of the specific primary account number; receiving an unpredictable number from a point of sale device; generating a cryptogram based on at least the unpredictable number and one or more algorithms; generating a data string, wherein the data string includes at least the generated cryptogram, the specific primary account number, and the unpredictable number, and wherein the data string is formatted based on the identified specific formatting template; and electronically transmitting the generated data string to the point of sale device.