System and method for local data conversion

Abstract

Embodiments of the invention are directed to methods, apparatuses, computer readable media and systems for processing transactions using conversion or filtering of restricted information. One embodiment of the invention is directed to a method comprising receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone. The server computer located outside the restricted zone may determine an account associated with the unrestricted account alias and process the transaction request message. Similar methods may be applied to settlement files including an unrestricted account alias that is converted to a restricted account identifier. Other embodiments are directed to filtering restricted information from service requests or other transactions.

What is claimed is: 
     
         1 . A method comprising:
 receiving, at a server computer located outside a restricted zone, a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located within a restricted zone;   determining an account associated with the unrestricted account alias; and   processing the transaction request message.   
     
     
         2 . The method of  claim 1 , further comprising:
 generating a settlement file associated with the transaction request message, wherein the settlement file includes the unrestricted account alias; and   sending the settlement file to the server computer located in the restricted zone, wherein the server computer located in the restricted zone converts the unrestricted account alias to the restricted account identifier and sends the settlement file to a mobile network operator associated with the transaction request message, and wherein the mobile network operator settles the transaction by transferring money between one or more accounts or issuers located in the restricted zone.   
     
     
         3 . The method of  claim 1 , wherein the restricted account identifier cannot legally be transmitted outside the restricted zone. 
     
     
         4 . The method of  claim 1 , wherein the restricted account identifier is a telephone number associated with a mobile communication device. 
     
     
         5 . The method of  claim 1 , wherein the unrestricted account alias is a primary account number associated with an issuer located in the restricted zone. 
     
     
         6 . The method of  claim 1 , wherein before receiving the transaction request message including the unrestricted account alias, the method further comprises:
 receiving an authentication request message comprising the transaction information with the unrestricted account alias, wherein the server located within the restricted zone receives transaction information including the restricted account identifier from a mobile communication device, determines an account associated with the mobile communication device, converts the restricted account identifier to an unrestricted account alias, and sends the authentication request message;   authenticating the consumer and the account associated with the mobile communication device using the unrestricted account alias;   determining available billers associated with the account; and   sending an authentication response message including the available billers associated with the account to the server computer located within the restricted zone, wherein the server computer converts the unrestricted account alias to the restricted account identifier, provides the available billers to the mobile communication device, and receives the transaction request message, wherein the transaction request message includes a selected biller from the mobile communication device.   
     
     
         7 . The method of  claim 1 , wherein before receiving the transaction request message including the unrestricted account alias, the server located within the restricted zone receives transaction information including the restricted account identifier from a mobile communication device, determines an account associated with the mobile communication device, authenticates the consumer and the account associated with the mobile communication device, determines available billers associated with the account, and sends an authentication response message including the available billers associated with the account to the mobile communication device. 
     
     
         8 . The method of  claim 1 , further comprising:
 receiving an unrestricted service request, wherein the unrestricted service request was generated by the server computer located in the restricted zone by filtering a restricted service request comprising restricted information to remove the restricted information; and   storing the unrestricted service request in an unrestricted service request database located outside the restricted zone.   
     
     
         9 . The method of  claim 8 , further comprising:
 sending a view only request associated with the unrestricted service request on behalf of an operator;   receiving view only access to the restricted service request; and   providing the view only access of the restricted service request to the operator, wherein the operator perform a requested service associated with the restricted service request.   
     
     
         10 . The method of  claim 1 , wherein the transaction request message is associated with a load transaction, an unload transaction, a payment transaction, or a transfer transaction. 
     
     
         11 . A central processing platform comprising:
 a management server computer coupled to an account information database, the management server computer comprising:
 a processor; and 
 a computer-readable medium coupled to the processor, the computer-readable medium comprising code configured to perform a method, the method comprising:
 receiving a transaction request message including an unrestricted account alias, wherein the unrestricted account alias was previously converted from a restricted account identifier into the unrestricted account alias by a server computer located in a restricted zone; 
 determining an account associated with the unrestricted account alias; and 
 processing the transaction request message. 
 
   
     
     
         12 . The central processing platform of  claim 11 , wherein the computer-readable medium coupled to the processor of the management server computer further comprises code configured to perform the method, the method further comprising:
 generating a settlement file associated with the transaction request message, wherein the settlement file includes the unrestricted account alias; and   sending the settlement file to the server computer located in the restricted zone, wherein the server computer located in the restricted zone converts the unrestricted account alias to the restricted account identifier and sends the settlement file to a mobile network operator associated with the transaction request message, and wherein the mobile network operator settles the transaction by transferring money between one or more accounts or issuers located in the restricted zone.   
     
     
         13 . The central processing platform of  claim 11 , wherein the restricted account identifier cannot legally be transmitted outside the restricted zone. 
     
     
         14 . The central processing platform of  claim 11 , wherein the restricted account identifier is a telephone number associated with a mobile communication device. 
     
     
         15 . The central processing platform of  claim 11 , wherein the unrestricted account alias is a primary account number associated with an issuer located in the restricted zone. 
     
     
         16 . The central processing platform of  claim 11 , wherein before receiving the transaction request message including the unrestricted account alias, the method further comprises:
 receiving an authentication request message comprising transaction information including the unrestricted account alias, wherein the server located in the restricted zone receives the transaction information including the restricted account identifier from a mobile communication device, determines an account associated with the mobile communication device, converts the restricted account identifier to an unrestricted account alias, and sends the authentication request message;   authenticating the mobile communication device and the account associated with the mobile communication device using the unrestricted account alias;   determining available billers associated with the account; and   sending an authentication response message including the available billers associated with the account to the server computer located in the restricted zone, wherein the server computer converts the unrestricted account alias to the restricted account identifier, provides the available billers to the mobile communication device, and receives the transaction request message, wherein the transaction request message includes a selected biller from the mobile communication device.   
     
     
         17 . The central processing platform of  claim 11 , wherein before receiving the transaction request message including the unrestricted account alias, the server located within the restricted zone receives transaction information including the restricted account identifier from a mobile communication device, determines an account associated with the mobile communication device, authenticates the consumer and the account associated with the mobile communication device, determines available billers associated with the account, and sends an authentication response message including the available billers associated with the account to the mobile communication device. 
     
     
         18 . The central processing platform of  claim 11 , further comprising:
 receiving an unrestricted service request, wherein the unrestricted service request was generated by the server computer located in the restricted zone by filtering a restricted service request comprising restricted information to remove the restricted information; and   storing the unrestricted service request in an unrestricted service request database located outside the restricted zone.   
     
     
         19 . The central processing platform of  claim 18 , further comprising:
 sending a view only request associated with the unrestricted service request on behalf of an operator;   receiving view only access to the restricted service request; and   providing the view only access of the restricted service request to the operator, wherein the operator provides a requested service associated with the restricted service request.   
     
     
         20 . The central processing platform of  claim 11 , wherein the transaction request message is associated with a load transaction, an unload transaction, a payment transaction, or a transfer transaction.