WO2016055931A1 - Entity identifier generation and conversion to primary account number - Google Patents

Entity identifier generation and conversion to primary account number

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Publication number
WO2016055931A1
WO2016055931A1 PCT/IB2015/057630 IB2015057630W WO2016055931A1 WO 2016055931 A1 WO2016055931 A1 WO 2016055931A1 IB 2015057630 W IB2015057630 W IB 2015057630W WO 2016055931 A1 WO2016055931 A1 WO 2016055931A1
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WO
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Application
Patent type
Prior art keywords
number
entity
digits
identifier
padding
Prior art date
Application number
PCT/IB2015/057630
Other languages
French (fr)
Inventor
Ashish Kulpati
Pankaj Rajurkar
Koni Uttam NAYAK
Original Assignee
Visa International Service Association
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date

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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking

Abstract

Systems and methods for conversion of an entity identifier to a primary account number. A method performed at a server including: receiving as an input an entity identifier formed of: a first set number of digits identifying an issuer institution; a variable number of additional digits identifying the entity at the issuer institution; and a check digit; converting the entity identifier to a primary account number including: ascertaining the issuer institution from the first set of digits; determining a required number of padding digits to increase the number of digits of the entity identifier to a number of digits in a required standard form of a primary account number; and padding the entity identifier with the required number of padding digits in predefined positions in relation to the entity identifier to result in a standard form of primary account number; and carrying out further processing using the padded entity identifier as a primary account number.

Description

ENTITY IDENTIFIER GENERATION AND CONVERSION TO PRIMARY ACCOUNT NUMBER

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims priority to Indian provisional patent application number 5084/CHE/2014 filed on 9 October 2014 which is incorporated by reference herein. FIELD OF THE INVENTION

This invention relates to the field of entity identifiers for use in payment transactions. In particular it relates to entity identifier generation and conversion to a primary account number.

BACKGROUND TO THE INVENTION

Traditionally, if an entity required a payment to be made to their bank account, they would provide the payor with their bank name, branch number, account number, and possibly other information such as the account name, etc.

This is a cumbersome method of providing banking details and prone to error in providing the details correctly and the payor inputting the details correctly.

Payment methods are becoming widespread wherein a consumer can make a payment to a merchant, person, agent or other entity by using a reference identifier of the entity. The payment may be made by various means, such as online, via a mobile communication device, etc.

In a push transaction a consumer may obtain an entity identifier, for example of a merchant, and request the consumer's issuing financial institution to push a payment to the entity's account identifiable by the entity identifier which will initiate a transfer of funds in favor of the entity.

In some payment systems, the entity identifier is provided as a Quick Response (QR) code or other form of visual code which may be captured by a mobile communication device of a consumer and used to instigate the payment. Some consumers may need to enter the entity identifier manually to capture the identifier. This may be the case if the consumer uses a mobile communication device which does not have a camera or scanner, or if the payment is online, or at a banking institution.

Manual entering of an entity identifier may lead to errors if it is a long number. Delays may also be incurred whilst a consumer enters the number, for example in a retail environment where other customers may be waiting. There is accordingly a need for a solution which solves these and/or other problems, at least to some extent.

SUMMARY OF THE INVENTION According to a first aspect of the present invention there is provided a method for conversion of an entity identifier to a primary account number performed at a server, comprising:

receiving as an input an entity identifier formed of: a first set number of digits identifying an issuer institution; a variable number of additional digits identifying the entity at the issuer institution; and a check digit;

converting the entity identifier to a primary account number including:

ascertaining the issuer institution from the first set of digits;

determining a required number of padding digits to increase the number of digits of the entity identifier to a number of digits in a required standard form of a primary account number; and

padding the entity identifier with the required number of padding digits in predefined positions in relation to the entity identifier to result in a standard form of primary account number; and

carrying out further processing using the padded entity identifier as a primary account number. The method may include calculating a check digit for the generated primary account number by: removing the check digit from the generated primary account number; carrying out a check digit calculation on the remaining digits using a check digit calculation method of the issuer institution; and comparing the removed check digit with the generated check digit.

The method may also include applying conversion criteria, wherein the conversion criteria may include one of more of the group of: a required standard form of a primary account number, predefined positions of the padding digits, and a form of the padding digits.

In one embodiment, the conversion criteria may be the same for all issuer institutions. In another alternative embodiment, the conversion criteria may be specified for an issuer institution and the step of ascertaining the issuer institution from the first set of digits may determine the conversion criteria to be applied.

The step of calculating a required number of padding digits may include determining a standard form of primary account number used by the issuer institution.

The step of padding the entity identifier with the required number of padding digits in predefined positions may include determining the predefined position used by the issuer institution. The step of padding the entity identifier with the required number of padding digits in predefined positions may also include padding the entity identifier with padding digits in one or more of: a position in relation to the first set of digits, a position in relation to the variable number of digits, a position in relation to the check digit. The step of padding the entity identifier with a required number of padding digits in predefined positions may further include one of the group of: padding digits to the left of the entity identifier; padding digits to the right of the entity identifier; padding digits in set positions between the digits of the entity identifier.

The padding digits may be one or more of the group of: a single value of digit, two or more defined values of digits in a predefined arrangement. For example, the padding digits may all be the same value of digit. The digits may be numeric digits or alphanumeric digits.

The standard form of primary account number may be a digit payment number of up to 19 digits and wherein the first set number of digits which identifies an issuer institution is an Issuer Identification Number (UN). The step of determining the required number of padding digits may read an additional digit provided in the entity identifier indicating the number of padding digits required.

According to a second aspect of the present invention there is provided a method for providing an entity identifier performed at a server at an issuer institution, comprising:

generating a primary account number for an entity including: a first set number of digits which identifies the issuer institution; a minimum number of variable additional digits identifying the entity at the issuer institution; a check digit; and a required number of padding digits in predefined positions in order to increase the number of digits to a standard form of primary account number; and

providing as an entity identifier for use by an entity a sequence of digits including: the first set number of digits which identifies the issuer institution; the variable number of additional digits identifying the entity at the issuer institution; the check digit; and excluding the padding digits.

The check digit may be calculated for the resultant primary account number formed of: the first set number of digits which identifies the issuer institution; the minimum number of variable additional digits identifying the entity at the issuer institution; and the padding digits. The method may include providing conversion criteria including one or more of the group of: a required standard form of a primary account number, predefined positions of the padding digits, and the form of the padding digits, to processing institutions for conversion of an entity identifier received at a processing institution into a primary account number. The padding digits may be one or more of the group of: a single value of digit; two or more defined values of digits in a predefined arrangement.

The method may include providing an additional digit in the entity identifier indicating a required number of padding digits. According to a third aspect of the present invention there is provided a system for conversion of an entity identifier to a primary account number, in the form of a server for processing transactions comprising:

an entity identifier receiving component for receiving as an input an entity identifier formed of: a first set number of digits identifying an issuer institution; a variable number of additional digits identifying the entity at the issuer institution; and a check digit;

a conversion component for converting the entity identifier to a primary account number including:

an issuer identifying component for ascertaining the issuer institution from the first set of digits;

a digit calculating component for determining a required number of padding digits to increase the number of digits of the entity identifier to a number of digits in a required standard form of a primary account number; and

a padding component for padding the entity identifier with the required number of padding digits in predefined positions in relation to the entity identifier to result in a standard form of primary account number; and

a processing component for carrying out further processing using the padded entity identifier as a primary account number.

The system may include: a check digit component for calculating a check digit for the generated primary account number by: removing the check digit from the generated primary account number; carrying out a check digit calculation on the remaining digits using a check digit calculation method of the issuer institution; and comparing the removed check digit with the generated check digit.

The digit calculating component for calculating a required number of padding digits may include determining a standard form of primary account number used by the issuer institution. The padding component for padding the entity identifier with the required number of padding digits in predefined positions may include determining the predefined position used by the issuer institution. The padding component may also include padding the entity identifier with padding digits in one or more of: a position in relation to the first set of digits, a position in relation to the variable number of digits, a position in relation to the check digit. The padding component may further include one of the group of: padding digits to the left of the entity identifier; padding digits to the right of the entity identifier; padding digits in set positions between the digits of the entity identifier.

According to a fourth aspect of the present invention there is provided a system for providing an entity identifier in the form of a server of an issuer institution, comprising:

a primary account generating component for generating a primary account number for an entity including: a first set number of digits which identifies the issuer institution; a minimum number of variable additional digits identifying the entity at the issuer institution; a check digit; and a required number of padding digits in predefined positions in order to increase the number of digits to a standard form of primary account number; and

an entity identifier providing component for providing as an entity identifier for use by an entity a sequence of digits including: the first set number of digits which identifies the issuer institution; the variable number of additional digits identifying the entity at the issuer institution; the check digit; and excluding the padding digits.

According to a fifth aspect of the present invention there is provided a computer program product for conversion of an entity identifier to a primary account number, the computer program product comprising a computer-readable medium having stored computer-readable program code, the computer-readable program code executable by a processing circuit of a first server computer associated with a first entity to perform the steps of:

receiving as an input an entity identifier formed of: a first set number of digits identifying an issuer institution; a variable number of additional digits identifying the entity at the issuer institution; and a check digit;

converting the entity identifier to a primary account number including:

ascertaining the issuer institution from the first set of digits;

determining a required number of padding digits to increase the number of digits of the entity identifier to a number of digits in a required standard form of a primary account number; and

padding the entity identifier with the required number of padding digits in predefined positions in relation to the entity identifier to result in a standard form of primary account number; and

carrying out further processing using the padded entity identifier as a primary account number.

According to a sixth aspect of the present invention there is provided a computer program product for providing an entity identifier, the computer program product comprising a computer-readable medium having stored computer-readable program code, the computer-readable program code executable by a processing circuit of a first server computer associated with a first entity to perform the steps of: generating a primary account number for an entity including: a first set number of digits which identifies the issuer institution; a minimum number of variable additional digits identifying the entity at the issuer institution; a check digit; and a required number of padding digits in predefined positions in order to increase the number of digits to a standard form of primary account number; and

providing as an entity identifier for use by an entity a sequence of digits including: the first set number of digits which identifies the issuer institution; the variable number of additional digits identifying the entity at the issuer institution; the check digit; and excluding the padding digits.

The computer-readable medium may be a non-transient computer-readable medium. BRIEF DESCRIPTION OF THE DRAWINGS

The invention will now be described, by way of example only, with reference to the accompanying representations in which: Figure 1 A is a flow diagram of an example embodiment of an aspect of a method in accordance with the present invention;

Figure 1 B is a flow diagram of an example embodiment of an aspect of a method in accordance with the present invention;

Figure 2A is a schematic diagram showing a first example embodiment of generation of a primary account number and an entity identifier in accordance with an aspect of the present invention;

Figure 2B is a schematic diagram showing a first example embodiment of conversion of an entity identifier to a primary account number in accordance with an aspect of the present invention; Figure 2C is a schematic diagram of the first example embodiment of an entity identifier and primary account number of Figure 2A;

Figure 3A is a schematic diagram showing a second example embodiment of generation of a primary account number and an entity identifier in accordance with an aspect of the present invention; Figure 3B is a schematic diagram showing a second example embodiment of conversion of an entity identifier to a primary account number in accordance with an aspect of the present invention;

Figure 3C is a schematic diagram of the second example embodiment of an entity identifier and primary account number of Figure 3A; Figure 4A is a schematic diagram showing a third example embodiment of generation of a primary account number and an entity identifier in accordance with an aspect of the present invention;

Figure 4B is a schematic diagram showing a third example embodiment of conversion of an entity identifier to a primary account number in accordance with an aspect of the present invention;

Figure 4C is a schematic diagram of the third example embodiment of an entity identifier and primary account number of Figure 4A;

Figure 5A is a schematic diagram showing a fourth example embodiment of generation of a primary account number and an entity identifier in accordance with an aspect of the present invention;

Figure 5B is a schematic diagram showing a fourth example embodiment of conversion of an entity identifier to a primary account number in accordance with an aspect of the present invention; Figure 5C is a schematic diagram of the fourth example embodiment of an entity identifier and primary account number of Figure 5A;

Figure 6A is a block diagram which illustrates components of an example embodiment of a system in accordance with an aspect of the present invention; Figure 6B is a block diagram which illustrates components of an example embodiment of a system in accordance with another aspect of the present invention;

Figure 7 illustrates an example of a computing device in which various aspects of the disclosure may be implemented; and, Figure 8 shows a schematic diagram of an example application of the method and system in accordance with the present invention.

DETAILED DESCRIPTION WITH REFERENCE TO THE DRAWINGS

A method, server and computer program are described for generating an entity identifier and conversion of an entity identifier to a primary account number. An entity identifier is described in the form of a series of digits which may be provided in plain form or incorporated into a code or other form of presentation. The entity identifier may be provided by an entity to another party from which they require payment as an identifier of the primary account number to which the payment is to be made. An entity identifier may also be used by an entity making a payment as an identifier of their primary account number from which funds are to be provided.

In modern transaction processes, there are different forms of transaction requiring varying amounts of information from the payor and the payee. One form of transaction is a "pull" transaction in which an entity such as a merchant may pull funds from a consumer's account. This is the form of most card-based and mobile money based transactions. Another form of transaction is a "push" transaction in which a consumer, a person or an entity may push funds to a merchant, another person or entity. The following description is provided with reference to a consumer/merchant transaction; however, this may be a person to person transfer, or any other form of entity to entity transfer.

In push transactions it is becoming increasingly common for a merchant or other entity wishing to receive funds to provide an entity identifier to the consumer which provides the required information to identify the merchant at a back-end server at the issuing or acquiring institution. The described methods and systems include a method of generating an entity identifier based on a primary account number, wherein the entity identifier is as short as possible in order to make it easy and convenient to be transferred to a payor by a payee such as a merchant.

The described methods and systems also include a method of converting a received entity identifier into a primary account number in order for a payment transaction to be processed. A payment card number is found on a payment card such as a credit card, debit card, stored- value card, gift card, etc. Increasingly a payment card number is used without a physical card for processing financial transactions, for example in e-commerce, mobile money transactions, etc.

A payment card number is allocated in accordance with ISO/IEC 7812 which defines a certain level of internal structure and a numbering scheme. The payment card number includes a leading six digits which provide an issuer identification number (UN) which is sometimes referred to as a bank identification number (BIN). The UN may be increased to eight digits to increase the number of issuers that may be accommodated. Where reference is made to the UN being six digits in the following description, this should be understood to be replaceable with eight digits.

The remainder of the digits of the payment card number identify an account at the issuer institution and these digits may be referred to as a primary account number (PAN). In some usage, the payment card number including the UN is referred to as a PAN as it references an account including the issuer institution. In the following description, the term "PAN" is used for the full account number including the UN. Figure 1 A is a flow diagram (100) illustrating an embodiment of the described method performed at a server of an issuer institution. An issuer institution may be an institution issuing a primary account number (PAN), for example, a bank, a processing network, or other PAN issuing entity.

A registration process is carried out to provide an entity with a primary account number and therefore a payment card number. The registration process may then provide a reduced length entity identifier for use in transferring payment credentials to other parties who may then instigate payments to the entity.

The method may include receiving (101 ) an entity identifier request for an entity. The server generates (102) or allocates a unique number for the entity at the issuer institution with the unique number having a minimum number of digits for the number to uniquely identify the entity at the issuer institution. The unique number may be generated as the next number in a sequence of numbers allocated by the issuer institution.

The unique number has a minimum possible number of digits. This minimum number may increase as more entities register with an issuer institution. For example, a first 9 entities being allocated a unique number by the issuer institution may have a unique number with a single digit of the form 1 to 9. The next 90 entities may have a unique number of two digit form from 10 to 99. The next 900 entities may have a unique number of three digit form from 100 to 999. This continues until a maximum length of unique number as prescribed by the issuer institution is reached. This maximum may be dictated by the length of the PAN. In some embodiments, the digits used in the unique number may be limited to specific digits, leaving the other digits free for use as padding digits as described further below.

A template of a standard form of payment card number is used (103) for the issuer institution. The standard form may be in accordance with ISO/IEC 7812 which takes a form of up to 19 digits. In further, standard forms of payment card numbers may be of increased length and the described method may be adapted to include such additional length.

A common form of PAN is a 16 digit PAN in which the first 6 digits are the UN, a filling digit may be provided, then 8 digits of an account number, and a check digit, often in the form of a Luhn check digit. However, other variations of PAN form may also be used.

The PAN may be generated in the described method by adding (104) an issuer identification number (UN), which according to the known standards is formed of 6 digits, and the generated unique number of minimum length. These may be provided in designated positions in the template with padding (106) digits provided in the remaining digit spaces of the template.

In one example, the padding digits are a single form of digit, for example, all zero, all 1 , all 2, etc. Care should be taken that the padding digit does not become confused with a digit of the unique number. For example, if the padding digits are used to the left of the unique number the left-most digit of the unique number should not be the same as the padding digit. In other examples, a pattern of padding digits of more than a single form may be used as described further below.

The generation of the PAN may include calculation (107) of a check digit which may be appended to the end of the primary account number. Whilst the standard form of PAN uses a single check digit, it is envisaged that in some embodiments, two check digits may be used with an appropriate accommodation in the number of available digits in the PAN. The check digit may be generated from the entire number including the UN and the account number, or may be generated from only the account number, excluding the UN.

The PAN may be stored (108) by the issuer institution with other registration details of the entity for future use in transactions.

An entity identifier is provided (109) to the entity and the entity may distribute the entity identifier to payees who may present the entity identifier to a financial institution for processing a payment to the entity. The entity identifier is formed (109) of the issuer identification number (UN) concatenated with the unique number and the check digit. The entity identifier does not include the padding digits and is therefore only formed of the essential digits of the PAN and is therefore of a minimum length.

Referring to Figure 1 B a flow diagram (150) shows a process at a processing server. The processing server may be of an issuing or acquiring institution or a payment network in which an entity identifier is converted to a primary account number for use in a financial transaction. The method includes receiving (151 ) as an input an entity identifier formed of a first set number of digits which form an issuer identification number which identifies an issuer institution, a variable number of additional digits in the form of a unique number for an entity at the financial institution, and a check digit.

The entity identifier is converted (152) to a standard format of PAN used by the issuer institution. The conversion (152) includes ascertaining the issuer institution (153) which may be by extracting and evaluating the first set number of digits which form the issuer identification number. Conversion criteria used by the issuer institution, may be held by the processing server in a record for the issuer institution. Conversion criteria may include a number template including the length, and other information regarding the conversion method, such as the location in the template of the unique number, the form of the padding digit(s), etc.

In one embodiment, all issuer institutions may use the same form of conversion criteria and, if this is the case, no information is required to be held by the processing server for an issuer institution. However, further strength and variation may be provided for generated PANs by allowing different issuer institutions to vary their conversion criteria. The conversion (152) may also include calculating (154) from the number of digits in the entity identifier, the number of padding digits required to bring the number of digits to the standard number for the PAN used by the identified issuer institution. The conversion (152) may further include adding (155) the calculated number of padding digits in relation to the entity identifier in one or more predefined locations in relation to the unique number and the issuer identification number (i.e. to the left of the unique number, to the right of the unique number, or in a pattern around or within the unique number, etc.). The form and position of the padding digits may be defined for a particular issuer institution.

Once the conversion to a PAN has been carried out, the check digit may be recalculated (156) to check that it is correct. The processing server may then use (157) the generated PAN in processing transactions, for example, to credit the entity's account.

In the following schematic diagrams, various example embodiments are shown of the described generation of a PAN and an entity identifier at an issuer server, and conversion of an entity identifier back to a PAN at a processing server. Figure 2A is a schematic diagram (200) showing a first example embodiment of a method carried out at a server of an issuer institution of generation of a primary account number for an entity and a corresponding entity identifier.

A standard template (210) is used for a PAN as used by the issuer institution. This may be up to 19 digits in length or other defined length of PAN. In this described embodiment, a PAN having a 16 digit number is used in which positions 1 to 6 (starting from the left) are in the form of an issuer identification number (UN) (21 1 ), the next digit at position 7 is a filler digit (212), positions 8 to 15 form available spaces (213) for an account number, and position 16 is a check digit (214). Other forms of PAN may include up to 19 digits with a generally corresponding arrangement but providing additional digits for the account number (213).

A unique number (201 ) is generated for an entity, uniquely identifying the entity at the issuer institution. As described above, the unique number (201 ) has a minimum number of digits required to uniquely identify the entity at the issuer institution. The unique number (201 ) is inserted into the template (210) in a defined position, in this embodiment starting from the right of the available spaces (213) for an account number. However, the defined position may be at a position within the available spaces (213).

The remaining available spaces (213) for the account number are filled with padding digits (215), in this embodiment zeros are used. The padding digit number (in this case zero) is not used for the digit(s) of the unique number (201 ) adjacent the padding digits (215). The same digit value may be used for the filler digit (212) as the padding digits (215) of zero. The check digit (214) is then calculated based on the digit values including the padding digits and the check digit (214) is inserted. This then forms the PAN (203) for the entity.

An entity identifier (220) is provided by the issuer identifier for the entity. This is formed by concatenating the UN (21 1 ), the unique number (201 ), and the check digit (214). Figure 2B is a schematic diagram (230) showing a conversion of an entity identifier to a primary account number according to the first example embodiment.

When an entity identifier (220) is presented to a server of a payment processing institution, it is converted to the PAN (203). This is carried out by determining from the UN (21 1 ) the standard template (210) of a PAN for the issuer institution and calculating the number of padding digits required to adapt the entity identifier (220) to the length of the PAN (203) of the standard template (210). The form and placement of the padding digits (202) are determined for the issuer institution and added as well as the filler digit (212). The check number (214) may be recalculated to check it is correct.

Figure 2C shows a numerical example of the first example embodiment with a PAN (203) including an UN (21 1 ) of the form "423456", a filler digit (212) "0", four padding digits (215) "0000", a unique number (201 ) "1789", and a check digit (214) "2". This results in a PAN (203) of the form "4234 5600 0001 7892".

Figure 2C also shows a corresponding numerical example of the entity identifier (220) formed of the UN (21 1 ) of the form "423456", the unique number (201 ) "1789", and the check digit (214) "2". This results in an entity identifier of the form "42345617892".

In this embodiment, using a 16 digit PAN, the entity identifier may be reduced to between 8 and 15 digits.

Figure 3A is a schematic diagram (300) showing a second example embodiment of a method carried out at a server of an issuer institution of generation of a primary account number for an entity and a corresponding entity identifier.

A standard template (310) is used for a PAN as used by the issuer institution. This may be up to 19 digits in length.

In this described embodiment, a PAN having a 16 digit number is used in which positions 1 to 6 (starting from the left) are in the form of an issuer identification number (UN) (31 1 ), positions 7 to 15 form available spaces (313) for an account number, and position 16 is a check digit (314). Other forms of PAN may include up to 19 digits with a generally corresponding arrangement but providing additional digits for the account number (313). In this embodiment, no filler digit is used. A unique number (301 ) is generated for an entity, uniquely identifying the entity at the issuer institution. As described above, the unique number (301 ) has a minimum number of digits required to uniquely identify the entity at the issuer institution. The unique number (301 ) is inserted into the template (310) in a defined position, in this embodiment starting from the right of the available spaces (313) for an account number.

The remaining available spaces for the account number are filled with padding digits (315), in this embodiment zeros are used. The check digit (314) is then calculated based on the digit values, including the padding digits, after which the check digit (314) is inserted. This then forms the PAN (303) for the entity. An entity identifier (320) is provided by the issuer identifier for the entity. This is formed by concatenating the UN (31 1 ), the unique number (301 ), and the check digit (314).

Figure 3B is a schematic diagram (330) showing a conversion of an entity identifier to a primary account number according to the second example embodiment.

When an entity identifier (320) is presented to a server of a payment processing institution, it is converted to the PAN (303). This is carried out by determining from the UN (31 1 ) the standard template (310) of a PAN for the issuer institution and calculating the number of padding digits required to adapt the entity identifier (320) to the length of the PAN (303) of the standard template (310). The form and placement of the padding digits (315) are determined for the issuer institution and the padding digits (315) are added. The check number (314) may be recalculated to check it is correct.

Figure 3C shows a numerical example of the second example embodiment with a PAN (303) including an UN (31 1 ) of the form "423456", five padding digits (315) "00000", a unique number (301 ) "1789", and a check digit (314) "2".

Figure 3C also shows a corresponding numerical example of the entity identifier (320) formed of the UN (31 1 ) of the form "423456", the unique number (301 ) "1789", and the check digit (314) "2".

Using a 16 digit PAN, the entity identifier may be reduced to between 8 and 15 digits.

It should be appreciated that, while zeros are used as the single padding digit (315) in this exemplary embodiment, any other single digit could have been used as the padding digit. Regardless of what digit is used as the padding digit, this digit should be excluded from use in the most significant digit of the unique number (301 ), adjacent to the padding digits (315), so as to allow the start of this variable length unique number (301 ) to be distinguished from the padding digits (315).

An advantage of using a non-zero digit as padding digit is that some checksum or cyclic redundancy check algorithms produce a more dynamic result using non-zero values. This implies that, should the unique number erroneously contain one or more pairs of zeros, the Luhn modulus 10 check digit algorithm and others may be unable to detect the error.

An example may be considered where a non-zero padding digit is used, each addition of another padding digit produces a different checksum result. For example, using "1 " as padding digit results in the number "42345601 1 1 1789". The Luhn modulus 10 check digit for the number "42345601 1 1 1789" is "6". Adding another padding digit to produce "42345601 1 1 1 1789" produces a Luhn check digit of "8", "42345601 1 1 1 1 1789" produces a check digit of "9". This serves to illustrate that a non-zero padding digit may produce a more dynamic check digit. It will therefore strengthen the check digit and, consequently, the integrity of the unique number without requiring the length of the PAN to be increased.

Figure 4A is a schematic diagram (400) showing a third example embodiment of a method carried out at a server of an issuer institution of generation of a primary account number for an entity and a corresponding entity identifier.

A standard template (410) is used for a PAN as used by the issuer institution. This may be up to 19 digits in length.

In this described embodiment, a PAN having a 16 digit number is used in which positions 1 to 6 (starting from the left) are in the form of an issuer identification number (UN) (41 1 ), position 7 is a frame length specifier (412), positions 8 to 15 form available spaces (413) for an account number, and position 16 is a check digit (414). Other forms of PAN may include up to 19 digits with a generally corresponding arrangement but providing additional digits for the account number (413).

A unique number (401 ) is generated for an entity, uniquely identifying the entity at the issuer institution. As described above, the unique number (401 ) has a minimum number of digits required to uniquely identify the entity at the issuer institution. The unique number (401 ) is inserted into the template (410) in a defined position, in this embodiment the unique number is right adjusted within the available space (413) for an account number. The remaining available spaces for the account number are filled with a frame of padding digits (415). The length of the frame of padding digits (415) is indicated by the frame length specifier (412), which is calculated from subtracting the length of the unique number (401 ) from the length of the available spaces (413) for an account number. Alternatively, the frame length specifier (412) may instead indicate the length of the unique number (401 ). The check digit (414) is then calculated based on the digit values, including the frame length specifier (412) and the padding digits (415), after which the check digit (414) is inserted. This then forms the PAN (403) for the entity.

An entity identifier (420) is provided by the issuer identifier for the entity. This is formed by concatenating the UN (41 1 ), the unique number (401 ), and the check digit (414). Figure 4B is a schematic diagram (430) showing a third example embodiment of a conversion of an entity identifier to a primary account number.

When an entity identifier (420) is presented to a server of a payment processing institution, it is converted to the PAN (403). This is carried out by calculating the number of padding digits required to adapt the entity identifier (420) to the length of the PAN (403) of the standard template (410) of Figure 4A and also the appropriate frame length specifier. The frame length specifier (412) is added as well as the padding digit frame (415) itself. The check number (414) may be recalculated to check it is correct.

Conversion criteria used by the issuer institution including the frame length specifier (412) may be recorded at a processing server so that the processing server knows to look for the frame length specifier (412) and to apply it. Alternatively, if all issuer institutions use such a method, then a processing network will know to apply the frame length specifier (412). This will also therefore allow these issuer institutions to utilize the same conversion method, regardless of whether they may use differing PAN lengths. Figure 4C shows an example embodiment of a PAN (403) including an UN (41 1 ) of the form "423456", a padding frame length specifier of "4", a padding frame comprising four padding digits (415) "5555", a unique number (401 ) "1789", and a check digit (414) "8".

Figure 4C also shows a corresponding example embodiment of the entity identifier (420) formed of the UN (41 1 ) of the form "423456", the unique number (401 ) "1789", and the check digit (414) "8".

Using a 16 digit PAN, the entity identifier may be reduced to between 8 and 15 digits. Various schemes can be implemented to determine what digit should be used as padding digit. The primary requirement of the scheme is that it must be used consistently so as to allow the reconstruction of a PAN from an entity identifier while preserving the integrity of the check digit. For example, a fixed digit, such as the digit "5" used in figure 4C could be used. It could also be implemented so as to use the calculated length of the padding frame specifier as the padding digit itself. These are exemplary padding digit schemes and should not be considered an exhaustive list. The above-mentioned advantages of using non-zero padding digits would, of course, apply here also. Figure 5A is a schematic diagram (500) showing a fourth example embodiment of a method carried out at a server of an issuer institution of generation of a primary account number for an entity and a corresponding entity identifier.

A standard template (510) is used for a PAN as used by the issuer institution. This may be up to 19 digits in length. In this described embodiment, a PAN having a 16 digit number is used in which positions 1 to 6 (starting from the left) are in the form of an issuer identification number (UN) (51 1 ), positions 7 to 15 form available spaces (513) for an account number, and position 16 is a check digit (514). Other forms of PAN may include up to 19 digits with a generally corresponding arrangement but providing additional digits for the account number (513).

A unique number (501 ) is generated for an entity, uniquely identifying the entity at the issuer institution. In this embodiment, the unique number (501 ) is generated using a set of digits that are members of a predefined set denoted as (A) in the description of this exemplary embodiment. As described above, the unique number (501 ) has a minimum number of digits required to uniquely identify the entity at the issuer institution. The unique number (501 ) is inserted into the template (510) in a defined position, in this embodiment starting from the right of the available spaces (513) for an account number.

The remaining available spaces for the account number are filled with padding digits (515). In this embodiment, a scheme for generating the padding digits is implemented wherein the padding digits are all members of another predefined set of digits denoted as (B) such that (A) and (B) are mutually exclusive. The check digit (514) is then calculated based on the digit values, including the padding digits, after which the check digit (514) is inserted. This then forms the PAN (503) for the entity.

An entity identifier (520) is provided by the issuer identifier for the entity. This is formed by concatenating the UN (51 1 ), the unique number (501 ), and the check digit (514).

Figure 5B is a schematic diagram (530) showing a fourth example embodiment of a conversion of an entity identifier to a primary account number.

When an entity identifier (520) is presented to a server of a payment processing institution, it is converted to the PAN (503). This is carried out by calculating the number of padding digits required to make the entity identifier (520) to the length of the PAN (503) of the standard template (510) of Figure 5A. The scheme of the padding digits may be determined for an issuer institution and the appropriate padding digits (502) may be added. The check number (514) may be recalculated to check it is correct.

Figure 5C shows an example embodiment of a PAN (503) including an UN (51 1 ) of the form "423456", five padding digits (515) "12312", a unique number (501 ) "4789", and a check digit (514) "8".

Figure 5C also shows a corresponding example embodiment of the entity identifier (520) formed of the UN (51 1 ) of the form "423456", the unique number (501 ) "4789", and the check digit (514) "8". Using a 16 digit PAN, the entity identifier may be reduced to between 8 and 15 digits.

In the example of Figure 5C, set (A) could typically comprise the elements A = {3, 4, 5, 6, 7, 8, 9, 0} while set (B) would then typically comprise the elements B = {1 , 2}. It should be appreciated that this example does not serve to exclude the use of alphabetical digits from the use in this exemplary embodiment or any other. It would therefore be trivial to identify the unique number in the PAN by determining the transition from the use of elements belonging to set B to the use of elements belonging to set A in the PAN. In the essence of preserving the integrity of the check digit when reconstructing the PAN from the entity identifier, a practical implementation would be to construct the padding number frame from a predefined pattern of digits belonging to set B. In the example of Figure 5C, the pattern "12121 " was used, i.e. alternate usage of the elements of B. The above-mentioned advantages of using non-zero padding digits would, of course, apply here also.

The above example embodiments illustrate some of the variations which may be used, either by all issuer institutions according to an agreed conversion, or by individual issuer institutions in which case conversion criteria are communicated to processing institutions for application when converting a received entity identifier.

Figure 6A is a block diagram of a system (600) including an issuer server (610) of an issuer institution at which a PAN and an entity identifier are generated for an entity.

The issuer server (610) may include a PAN generating component (620) for generating a PAN for an entity requiring an account at an issuer institution.

The PAN generating component (620) may include a template component (621 ) for providing a template of a PAN having a standard format. The PAN generating component (620) may include a unique number component (622) for generating a unique number for the entity at the issuer institution, wherein the unique number has a minimum number of digits in order to identify the entity uniquely and inserting this into the PAN template of the template component (621 ).

The PAN generating component (620) may include an UN input component (623) which is included in the PAN template. A padding component (624) may add padding digits to the remaining spaces of the PAN template according to padding rules (625). A check digit component (626) may generate and add a check digit to the PAN template and a PAN output component (627) may output the generated PAN for registration and storage for the entity.

In one embodiment, the PAN generating component (620) may include a conversion criteria component (628) for defining the conversion method used to generate the PAN. This may be communicated to processing servers for application by the processing servers when converting an entity identifier to a PAN for use in a transaction. The issuer server (610) may also include an entity identifier component (630) for providing an entity identifier for use and distribution by the entity to prospective payors. The entity identifier component (630) includes an UN adding component (631 ), a unique number adding component (632), and a check digit adding component (633). An entity identifier output (634) outputs the entity identifier.

Figure 6B is a block diagram of a system (650) including a processing server (660) of a payment processing institution at which an entity identifier is converted to a PAN for the entity.

The processing server (660) includes an entity identifier receiver (661 ) for receiving an entity identifier in respect of which a payment is to be made. The processing server (660) includes a conversion component (670) for converting the entity identifier into a PAN for further processing of the payment transaction.

The conversion component (670) may include an entity identifier input component (671 ), a digit calculating component (672) for calculating the number of padding digits required, a padding component (673) for adding the padding digits. A conversion criteria component (674) may be provided which may include generalised conversion rules for all issuer institutions, or individual criteria for specific issuer institutions. The conversion criteria (674) may be specific to an issuer institution which may be determined from the UN which may be extracted from the entity identifier by an issuer identifying component (675). A check digit component (676) may recalculate the check digit to check whether the conversion is correct. A PAN forming component (677) may form the PAN and output this for processing by a PAN processing component (662) of the processor server (660).

Figure 7 illustrates an example of a computing device (700) in which various aspects of the disclosure may be implemented, in particular the issuing server and the processing server. The computing device (700) may be suitable for storing and executing computer program code. The various participants and elements in the previously described system diagrams may use any suitable number of subsystems or components of the computing device (700) to facilitate the functions described herein.

The computing device (700) may include subsystems or components interconnected via a communication infrastructure (705) (for example, a communications bus, a cross-over bar device, or a network). The computing device (700) may include at least one central processor (710) and at least one memory component in the form of computer-readable media.

The memory components may include system memory (715), which may include read only memory (ROM) and random access memory (RAM). A basic input/output system (BIOS) may be stored in ROM. System software may be stored in the system memory (715) including operating system software. The memory components may also include secondary memory (720). The secondary memory (720) may include a fixed disk (721 ), such as a hard disk drive, and, optionally, one or more removable-storage interfaces (722) for removable-storage components (723).

The removable-storage interfaces (722) may be in the form of removable-storage drives (for example, magnetic tape drives, optical disk drives, floppy disk drives, etc.) for corresponding removable storage-components (for example, a magnetic tape, an optical disk, a floppy disk, etc.), which may be written to and read by the removable-storage drive.

The removable-storage interfaces (722) may also be in the form of ports or sockets for interfacing with other forms of removable-storage components (723) such as a flash memory drive, external hard drive, or removable memory chip, etc.

The computing device (700) may include an external communications interface (730) for operation of the computing device (700) in a networked environment enabling transfer of data between multiple computing devices (700). Data transferred via the external communications interface (730) may be in the form of signals, which may be electronic, electromagnetic, optical, radio, or other types of signal.

The external communications interface (730) may enable communication of data between the computing device (700) and other computing devices including servers and external storage facilities. Web services may be accessible by the computing device (700) via the communications interface (730). The external communications interface (730) may also enable other forms of communication to and from the computing device (700) including, voice communication, near field communication, Bluetooth, etc.

The computer-readable media in the form of the various memory components may provide storage of computer-executable instructions, data structures, program modules, and other data. A computer program product may be provided by a computer-readable medium having stored computer-readable program code executable by the central processor (710).

A computer program product may be provided by a non-transient computer-readable medium, or may be provided via a signal or other transient means via the communications interface (730).

Interconnection via the communication infrastructure (705) allows a central processor (710) to communicate with each subsystem or component and to control the execution of instructions from the memory components, as well as the exchange of information between subsystems or components.

Peripherals (such as printers, scanners, cameras, or the like) and input/output (I/O) devices (such as a mouse, touchpad, keyboard, microphone, joystick, or the like) may couple to the computing device (700) either directly or via an I/O controller (735). These components may be connected to the computing device (700) by any number of means known in the art, such as a serial port.

One or more monitors (745) may be coupled via a display or video adapter (740) to the computing device (700). Figure 8 is a schematic diagram which illustrates an exemplary system (800) for processing financial transactions using the described methods and systems. The system (800) includes a first server computer (810) associated with a first entity (812) and a second server computer (820) associated with a second entity (822). The first and second entity (812, 822) may also have a first entity device (814) and second entity device (824) respectively associated therewith. The system (800) may also include a payment processing network (830) via which the first server computer (810) may transmit and receive financial system transaction messages to and from the second server computer (820).

The first and second server computers (810, 820) respectively may be any appropriate server computers, server computer clusters, distributed server computers, cloud-based server computers and the like. Each of the server computers (810, 820) may include a processor and a non-transitory computer readable medium comprising code executable by the processor to perform functions, such as generating messages, electronically receiving and transmitting messages or data, parsing messages or data, and the like. The server computers (810, 820) may be configured to transmit and receive financial system transaction messages (such as ISO 8583 messages), debit and credit financial accounts, transmit messages to and receive messages from the first and second devices (814, 824) respectively and the like. The first server computer (810) may be maintained or operated by financial institution (816) controlling a financial account (818) of the first entity. Similarly, the second server computer may be maintained or operated by another financial institution (826) controlling a financial account (828) of the second entity (812). The first entity device (814) may be any appropriate mobile device capable of communicating over a mobile communication network (850). Exemplary mobile communications devices include: a mobile phone being either a feature phone or a smart phone; a tablet computer; a wearable computing device such as a smart watch or smart glasses; a personal digital assistant; a laptop computer and the like. The first entity device (814) may have a mobile application resident therein and installed thereon which may enable the first entity device (814) to transmit data messages to and receive data messages from the first server computer (810). In other embodiments, the first entity device (814) may exchange data messages with the first server computer (810) using Unstructured Supplementary Service Data (USSD) sessions or Short Messaging Service (SMS) messages via the mobile communication network (850). The second entity device (824) may also be an appropriate mobile communications device capable of communicating over a mobile communication network (850) such as a mobile phone being either a feature phone or a smart phone; a tablet computer; a wearable computing device such as a smart watch or smart glasses; a personal digital assistant; a laptop computer and so on. The second entity device (824) may also have an appropriate mobile software application resident therein and installed thereon which may enable the second entity device (824) to transmit data messages to and receive data messages from the second server computer (820). In other embodiments, the second entity device (824) may exchange data messages with the second server computer (820) using Unstructured Supplementary Service Data (USSD) sessions or Short Messaging Service (SMS) messages. In some embodiments, the second entity device (824) may be a merchant operated mobile communications device, a point-of-sales device, an e-commerce portal or the like.

By enabling the first entity device (814) to exchange messages with the first server computer (810), the first entity (812) may be able to use the first entity device (814) to transact against a financial account (818) of the first entity controlled by the first server computer (810).

The first entity may be able to initiate transactions in favor of the second entity's financial account (828) by providing the second entity's identifier. The second entity may provide its entity identifier to the first entity (812) by various means. However, as an entity identifier as described herein is of minimum length, providing the entity identifier is straightforward and quick to do. A conversion method is carried out as described in Figure 1 B above in order to convert the second entity's identifier into a primary account number of the second entity for use in processing the transaction. The conversion method may be carried out at the first server computer (810) acting as an issuing server, at the second server computer (820) acting as an acquiring server, or at a payment processing network (830). In response to receiving a request to initiate a transfer of funds in favor of the second entity's financial account (828), the first server computer (810) transmits a transaction request message, including the second entity identifier or the second entity identifier converted to the second entity's primary account number, to the second server computer (820) in order to debit the first entity account (818). A transaction request message may be any suitable message transmitted from the first server computer (810) to the second server computer (820) through the payment processing network (830). A transaction request message may in the standard ISO 8583 messaging format, or in any other suitable financial system transaction messaging format.

In some embodiments, the transaction request message can be an OCT (Original Credit Transaction) type message. An OCT transaction is typically a clearing and settlement credit transaction designed for use in business applications such as a business money transfer or business-to-consumer repayments.

The second entity identifier may include an issuer identification number (UN) which is usable by the payment processing network (830) in identifying an appropriate financial institution (e.g. 826) to which the transaction request message is to be transmitted.

The first entity (812) may similarly have a first entity identifier associated therewith. The first entity identifier may include an issuer identification number (UN) which is usable by the payment processing network (830) in identifying a financial institution (e.g. 816) associated with the first entity (812). The transaction request message may thus be routed from the payment processing network (830) to the second server computer (820). The second server computer (820) credits the second entity's financial account (828) and transmits a transaction response message, either confirming or denying the transaction, to the first server computer (810) via the payment processing network (830). The first entity may be a consumer operating a first entity device being a mobile communications device. The first server computer may be, or may be a part of a payment processor, maintained or operated by an issuing financial institution controlling the financial account of the consumer.

The second entity may be a merchant operating a second entity device being, for example, a point-of-sales (POS) device. The second server computer may be, or may be a part of a payment processor, maintained or operated by an acquiring financial institution controlling the financial account of the merchant. In some embodiments, the POS device is a mobile communications device of the merchant.

The foregoing description of the embodiments of the invention has been presented for the purpose of illustration; it is not intended to be exhaustive or to limit the invention to the precise forms disclosed. Persons skilled in the relevant art can appreciate that many modifications and variations are possible in light of the above disclosure.

Some portions of this description describe the embodiments of the invention in terms of algorithms and symbolic representations of operations on information. These algorithmic descriptions and representations are commonly used by those skilled in the data processing arts to convey the substance of their work effectively to others skilled in the art. These operations, while described functionally, computationally, or logically, are understood to be implemented by computer programs or equivalent electrical circuits, microcode, or the like. The described operations may be embodied in software, firmware, hardware, or any combinations thereof. The software components or functions described in this application may be implemented as software code to be executed by one or more processors using any suitable computer language such as, for example, Java, C++, or Perl using, for example, conventional or object-oriented techniques. The software code may be stored as a series of instructions, or commands on a non- transitory computer-readable medium, such as a random access memory (RAM), a read-only memory (ROM), a magnetic medium such as a hard-drive or a floppy disk, or an optical medium such as a CD-ROM. Any such computer-readable medium may also reside on or within a single computational apparatus, and may be present on or within different computational apparatuses within a system or network. Any of the steps, operations, or processes described herein may be performed or implemented with one or more hardware or software modules, alone or in combination with other devices. In one embodiment, a software module is implemented with a computer program product comprising a non-transient computer-readable medium containing computer program code, which can be executed by a computer processor for performing any or all of the steps, operations, or processes described.

Finally, the language used in the specification has been principally selected for readability and instructional purposes, and it may not have been selected to delineate or circumscribe the inventive subject matter. It is therefore intended that the scope of the invention be limited not by this detailed description, but rather by any claims that issue on an application based hereon. Accordingly, the disclosure of the embodiments of the invention is intended to be illustrative, but not limiting, of the scope of the invention, which is set forth in the following claims.

Throughout the specification and claims unless the contents requires otherwise the word 'comprise' or variations such as 'comprises' or 'comprising' will be understood to imply the inclusion of a stated integer or group of integers but not the exclusion of any other integer or group of integers.

Claims

CLAIMS:
1 . A method for conversion of an entity identifier to a primary account number performed at a server, comprising:
receiving as an input an entity identifier formed of: a first set number of digits identifying an issuer institution; a variable number of additional digits identifying the entity at the issuer institution; and a check digit;
converting the entity identifier to a primary account number including:
ascertaining the issuer institution from the first set of digits;
determining a required number of padding digits to increase the number of digits of the entity identifier to a number of digits in a required standard form of a primary account number; and
padding the entity identifier with the required number of padding digits in predefined positions in relation to the entity identifier to result in a standard form of primary account number; and
carrying out further processing using the padded entity identifier as a primary account number.
2. The method as claimed in claim 1 , including:
calculating a check digit for the generated primary account number by:
removing the check digit from the generated primary account number;
carrying out a check digit calculation on the remaining digits using a check digit calculation method of the issuer institution; and
comparing the removed the check digit with the generated the check digit.
3. The method as claimed in claim 1 , including:
applying conversion criteria, wherein the conversion criteria include one or more of the group of: a required standard form of a primary account number, predefined positions of the padding digits, and a form of the padding digits.
4. The method as claimed in claim 3, wherein the conversion criteria are the same for all issuer institutions.
5. The method as claimed in claim 3, wherein the conversion criteria are specified for an issuer institution, and wherein ascertaining the issuer institution from the first set of digits determines the conversion criteria to be applied.
6. The method as claimed in claim 1 , wherein calculating a required number of padding digits includes:
determining a standard form of primary account number used by the issuer institution.
7. The method as claimed in claim 1 , wherein padding the entity identifier with the required number of padding digits in predefined positions includes:
determining the predefined position used by the issuer institution.
8. The method as claimed in claim 1 , wherein padding the entity identifier with the required number of padding digits in predefined positions includes padding the entity identifier with padding digits in one or more of: a position in relation to the first set of digits, a position in relation to the variable number of digits, a position in relation to the check digit.
9. The method as claimed in claim 1 , wherein padding the entity identifier with a required number of padding digits in predefined positions includes one of the group of: padding digits to the left of the entity identifier; padding digits to the right of the entity identifier; padding digits in set positions between the digits of the entity identifier.
10. The method as claimed in claim 1 , wherein the padding digits are one or more of the group of: a single value of digit, two or more defined values of digits in a predefined arrangement.
1 1 . The method as claimed in claim 1 , wherein the standard form of primary account number is a digit payment number of up to 19 digits and wherein the first set number of digits which identifies an issuer institution is an Issuer Identification Number (UN).
12. The method as claimed in claim 1 , wherein determining the required number of padding digits reads an additional digit provided in the entity identifier indicating the number of padding digits required.
13. A method for providing an entity identifier performed at a server at an issuer institution, comprising:
generating a primary account number for an entity including: a first set number of digits which identifies the issuer institution; a minimum number of variable additional digits identifying the entity at the issuer institution; a check digit; and a required number of padding digits in predefined positions in order to increase the number of digits to a standard form of primary account number; and providing as an entity identifier for use by an entity a sequence of digits including: the first set number of digits which identifies the issuer institution; the variable number of additional digits identifying the entity at the issuer institution; the check digit; and excluding the padding digits.
14. The method as claimed in claim 13, wherein the check digit is calculated for the resultant primary account number formed of: the first set number of digits which identifies the issuer institution; the minimum number of variable additional digits identifying the entity at the issuer institution; and the padding digits.
15. The method as claimed in claim 13, including providing conversion criteria including one or more of the group of: a required standard form of a primary account number, predefined positions of the padding digits, and the form of the padding digits to processing institutions for conversion of an entity identifier received at a processing institution into a primary account number.
16. The method as claimed in claim 13, wherein the padding digits are one or more of the group of: a single value of digit, two or more defined values of digits in a predefined arrangement.
17. The method as claimed in claim 13, including providing an additional digit in the entity identifier indicating a required number of padding digits.
18. A system for conversion of an entity identifier to a primary account number, in the form of a server for processing transactions comprising:
an entity identifier receiving component for receiving as an input an entity identifier formed of: a first set number of digits identifying an issuer institution; a variable number of additional digits identifying the entity at the issuer institution; and a check digit;
a conversion component for converting the entity identifier to a primary account number including:
an issuer identifying component for ascertaining the issuer institution from the first set of digits;
a digit calculating component for determining a required number of padding digits to increase the number of digits of the entity identifier to a number of digits in a required standard form of a primary account number; and
a padding component for padding the entity identifier with the required number of padding digits in predefined positions in relation to the entity identifier to result in a standard form of primary account number; and
a processing component for carrying out further processing using the padded entity identifier as a primary account number.
19. The system as claimed in claim 18, including:
a check digit component for calculating a check digit for the generated primary account number by:
removing the check digit from the generated primary account number;
carrying out a check digit calculation on the remaining digits using a check digit calculation method of the issuer institution; and
comparing the removed check digit with the generated check digit.
20. The system as claimed in claim 18, wherein the digit calculating component for calculating a required number of padding digits includes:
determining a standard form of primary account number used by the issuer institution.
21 . The system as claimed in claim 18, wherein the padding component for padding the entity identifier with the required number of padding digits in predefined positions includes:
determining the predefined position used by the issuer institution.
22. The system as claimed in claim 18, wherein the padding component for padding the entity identifier with the required number of padding digits in predefined positions includes padding the entity identifier with padding digits in one or more of: a position in relation to the first set of digits, a position in relation to the variable number of digits, a position in relation to the check digit.
23. The system as claimed in claim 18, wherein the padding component for padding the entity identifier with a required number of padding digits in predefined positions includes one of the group of: padding digits to the left of the entity identifier; padding digits to the right of the entity identifier; padding digits in set positions between the digits of the entity identifier.
24. The system as claimed in claim 18, wherein the standard form of primary account number is a digit payment number of up to 19 digits and wherein the first set number of digits which identifies an issuer institution is an Issuer Identification Number (UN).
25. A system for providing an entity identifier in the form of a server of an issuer institution, comprising:
a primary account generating component for generating a primary account number for an entity including: a first set number of digits which identifies the issuer institution; a minimum number of variable additional digits identifying the entity at the issuer institution; a check digit; and a required number of padding digits in predefined positions in order to increase the number of digits to a standard form of primary account number; and an entity identifier providing component for providing as an entity identifier for use by an entity a sequence of digits including: the first set number of digits which identifies the issuer institution; the variable number of additional digits identifying the entity at the issuer institution; the check digit; and excluding the padding digits.
26. A computer program product for conversion of an entity identifier to a primary account number, the computer program product comprising a computer-readable medium having stored computer-readable program code, the computer-readable program code executable by a processing circuit of a first server computer associated with a first entity to perform the steps of: receiving as an input an entity identifier formed of: a first set number of digits identifying an issuer institution; a variable number of additional digits identifying the entity at the issuer institution; and a check digit;
converting the entity identifier to a primary account number including:
ascertaining the issuer institution from the first set of digits;
determining a required number of padding digits to increase the number of digits of the entity identifier to a number of digits in a required standard form of a primary account number; and
padding the entity identifier with the required number of padding digits in predefined positions in relation to the entity identifier to result in a standard form of primary account number; and
carrying out further processing using the padded entity identifier as a primary account number.
27. A computer program product for providing an entity identifier, the computer program product comprising a computer-readable medium having stored computer-readable program code, the computer-readable program code executable by a processing circuit of a first server computer associated with a first entity to perform the steps of:
generating a primary account number for an entity including: a first set number of digits which identifies the issuer institution; a minimum number of variable additional digits identifying the entity at the issuer institution; a check digit; and a required number of padding digits in predefined positions in order to increase the number of digits to a standard form of primary account number; and
providing as an entity identifier for use by an entity a sequence of digits including: the first set number of digits which identifies the issuer institution; the variable number of additional digits identifying the entity at the issuer institution; the check digit; and excluding the padding digits.
PCT/IB2015/057630 2014-10-09 2015-10-06 Entity identifier generation and conversion to primary account number WO2016055931A1 (en)

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