Patent ID: 11875347

Abstract:
A system and computer-implemented method for depersonalizing financial transaction data being switched by a switching service (e.g., an interchange network) between an acquirer and an issuer located in different countries. The acquirer's host sends a personalized transaction to a depersonalization service via an independent communications channel. The service depersonalizes the transaction and sends it back to the acquirer's host, and also sends a reverse depersonalization dictionary to the issuer's host. The acquirer's host sends the depersonalized transaction to the acquirer's interface, which sends it via the switching service to the issuer's interface, which sends it to the issuer's host. The issuer's host uses the dictionary to repersonalize the transaction, processes the repersonalized transaction, and sends a response code to the acquirer's host. The service and the acquirer's interface may independently calculate a hash value, and the acquirer's interface may send the depersonalized transaction only if the values match.