Encrypting financial account numbers such that every decryption attempt results in valid account numbers

US10275766B2 · kind B2 · utility

Assignee

• Google LLC · US

Inventors

• Evan Andrew Stade · Los Angeles, US
• Matthew Morton Gaba · San Francisco, US
• Albert Bodenhamer · San Jose, US

Key dates

• Filing date: Sep 24, 2013
• Grant date: Apr 30, 2019
• Expiry date: Nov 14, 2035

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/4018
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A decryption module is enabled on one or more authorized devices. A user's financial account information is encrypted using a card verification number, or some secret known to the user and replicated onto the authorized devices. The user requests processing of a financial transaction using the previously-encrypted financial account information. The authorized device retrieves the encrypted financial account information and prompts the user to enter the card verification number (or other secret known to the user that was used to encrypt the financial account information). The decryption module decrypts the financial account information using the card verification number entered by the user, and the decrypted financial account information resembles a valid credit card or debit card number and will pass a Luhn test. The decrypted financial account information is transmitted to process the financial transaction initiated by the user.