Patent ID: 11875347
Assignee: MASTERCARD INTERNATIONAL INCORPORATED
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 11:
12. A system for depersonalizing transactions being switched between an acquirer located in a first jurisdiction and an issuer located in a second jurisdiction by a switching service during a financial transaction, the system comprising:
an acquirer's authorization host located in the first jurisdiction and an acquirer's interface processor located in the first jurisdiction, with the acquirer's interface processor being interposed between the acquirer's authorization host and the switching service;
an issuer's authorization host located in the second jurisdiction and an issuer's interface processor located in the second jurisdiction, with the issuer's interface processor being interposed between the issuer's authorization host and the switching service;
an independent communications channel that is independent of the switching service;
a depersonalization service configured to—
receive a personalized particular transaction and a transaction identification from the acquirer's authorization host via the independent communication channel,
depersonalize the personalized particular transaction to produce a depersonalized particular transaction,
send the transaction identification to the acquirer's interface processor,
send the depersonalized particular transaction to the acquirer's authorization host, and
send the transaction identification and a reverse depersonalization dictionary to the issuer's authorization host;

the acquirer's authorization host configured to send the depersonalized transaction to the acquirer's interface processor;
the acquirer's interface processor located in the first jurisdiction configured to send the depersonalized particular transaction to the issuer's interface processor located in the second jurisdiction via a communications network operated by the switching service;
the issuer's interface processor configured to send the depersonalized particular transaction to the issuer's authorization host;
the issuer's authorization host configured to—
reverse the depersonalization of the depersonalized particular transaction using the reverse depersonalization dictionary to produce a repersonalized particular transaction,
process the repersonalized particular transaction, and
send a normal response code to the issuer's interface processor; and

the issuer's interface processor located in the second jurisdiction configured to send the normal response code to the acquirer's authorization host located in the first jurisdiction and to the depersonalization service,
wherein neither the personalized particular transaction nor the repersonalized particular transaction are sent between the first country and the second country.