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1. WO2021066957 - SYSTEMS AND METHODS FOR SECURE PROVISIONING OF DATA USING SECURE TOKENS

Publication Number WO/2021/066957
Publication Date 08.04.2021
International Application No. PCT/US2020/046912
International Filing Date 19.08.2020
IPC
G06F 21/62 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
62Protecting access to data via a platform, e.g. using keys or access control rules
G06Q 20/10 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
08Payment architectures
10specially adapted for electronic funds transfer systems; specially adapted for home banking systems
H04L 9/32 2006.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Arrangements for secret or secure communication
32including means for verifying the identity or authority of a user of the system
CPC
G06F 21/602
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
602Providing cryptographic facilities or services
G06F 21/6254
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
60Protecting data
62Protecting access to data via a platform, e.g. using keys or access control rules
6218to a system of files or objects, e.g. local or distributed file system or database
6245Protecting personal data, e.g. for financial or medical purposes
6254by anonymising data, e.g. decorrelating personal data from the owner's identification
G06Q 40/025
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
025Credit processing or loan processing, e.g. risk analysis for mortgages
H04L 2209/56
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
2209Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
56Financial cryptography, e.g. electronic payment or e-cash
H04L 9/0643
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Cryptographic mechanisms or cryptographic; arrangements for secret or secure communication
06the encryption apparatus using shift registers or memories for block-wise ; or stream; coding, e.g. DES systems ; or RC4; Hash functions; Pseudorandom sequence generators
0643Hash functions, e.g. MD5, SHA, HMAC or f9 MAC
H04L 9/0866
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Cryptographic mechanisms or cryptographic; arrangements for secret or secure communication
08Key distribution ; or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
0861Generation of secret information including derivation or calculation of cryptographic keys or passwords
0866involving user or device identifiers, e.g. serial number, physical or biometrical information, DNA, hand-signature or measurable physical characteristics
Applicants
  • MASTERCARD INTERNATIONAL INCORPORATED [US]/[US]
Inventors
  • PATEL, Keyur
Agents
  • DOBBYN, Colm, J.
Priority Data
16/593,07404.10.2019US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEMS AND METHODS FOR SECURE PROVISIONING OF DATA USING SECURE TOKENS
(FR) SYSTÈMES ET PROCÉDÉS DE FOURNITURE SÉCURISÉE DE DONNÉES À L'AIDE DE JETONS SÉCURISÉS
Abstract
(EN)
A secure token (ST) system including at least one ST computing device to provision data using secure tokens over a network is provided. The ST computing device is configured to receive first customer data from a credit issuer computing device, the first customer data including at least one or more account identifiers associated with a customer and a social security number (SSN) associated with the customer. The ST computing device is also configured to hash the SSN, wherein the hashed SSN includes a hash value, assign a unique identifier to each of the one or more account identifiers, and generate a secure token by associating the hash value to each unique identifier. The ST computing device is further configured to store the secure token within the database, and transmit the secure token to at least one of the credit issuer computing device and a third party computing device.
(FR)
L'invention concerne un système de jetons sécurisés (ST) comprenant au moins un dispositif informatique de ST destiné à fournir des données à l'aide de jetons sécurisés sur un réseau. Le dispositif informatique de ST est conçu pour recevoir des premières données de client en provenance d'un dispositif informatique d'émetteur de crédit, les premières données de client comprenant au moins un identifiant de compte associé à un client et un numéro de sécurité sociale (SSN) associé à ce client. Le dispositif informatique de ST est également conçu pour : hacher le SSN, le SSN haché comprenant une valeur de hachage, attribuer un identifiant unique à chacun de l'au moins un identifiant de compte, et générer un jeton sécurisé par association de la valeur de hachage à chaque identifiant unique. Le dispositif informatique de ST est en outre conçu pour stocker le jeton sécurisé dans la base de données et transmettre le jeton sécurisé au dispositif informatique de l'émetteur de crédit et/ou à un dispositif informatique de tiers.
Also published as
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