Token PAN Routing for P2P Payments Without PII Exposure
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Solution Overview
Problem
Maintaining personally identifiable information (PII) security is challenging in person-to-person (P2P) payment systems, as conventional methods require sharing personal contact information, increasing exposure risk.
Innovation Solution
Implementing a token primary account number (PAN) issued by an enhanced processing platform, which allows for P2P payments without sharing actual PII, using a token PAN that is not personally identifiable.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If conventional P2P payment methods using personal contact information are used, then P2P payments can be made between individuals, but PII exposure risk increases
Solution Approach 1:
The patent introduces token PANs as an intermediary that mediates between the actual account information and the P2P payment system. Instead of directly sharing personal contact information or actual account numbers, users share token PANs that act as secure proxies. These tokens enable payment routing and account identification without exposing underlying PII, thus resolving the contradiction between payment functionality and information security.
Solution Approach 2:
The patent creates simplified copies (token PANs) of actual account information that can be safely shared. These token PANs are generated by the enhanced processing platform and serve as functional duplicates that enable payment operations without containing the sensitive original data. The token PANs can be freely distributed for P2P payments while the actual PII remains protected in the token vault.
2Object-affected harmful factors
If token PANs are implemented for P2P payments, then PII exposure risk is reduced, but system complexity increases
Solution Approach 1:
The enhanced processing platform acts as a centralized intermediary that manages the complexity of token PAN generation, validation, and mapping. By concentrating the complex tokenization logic in a single platform rather than distributing it across multiple systems, the patent reduces overall system complexity while maintaining security benefits.
Solution Approach 2:
The token PAN system is designed to be universally applicable across multiple payment scenarios including P2P payments, contactless payments, and e-commerce transactions. This multi-functionality allows a single tokenization infrastructure to serve diverse use cases, reducing the need for separate systems and thereby managing complexity more efficiently.
Data Source
AI summary
Through the described PII secure P2P payment technology, a P2P payment can be made using a token PAN, allowing for a single product to be used for contactless, e-commerce, and P2P payments. When an account or payment card is digitized using an enhanced processing platform, a token PAN is issued which can be used for P2P payments. The token PAN allows for a P2P payment to made without sharing PII data. The platform can receive, from a sender AHI system, a P2P transfer advice request comprising at least a sender token PAN and a receiver token PAN. The platform can identify from a token vault a sender account number using the sender token PAN and a receiver account number using the receiver token PAN. The platform can communicate, to the sender AHI system, an account authorization message comprising at least the sender account number and the receiver account number.