ALEXANDRIA, Va., June 9 -- United States Patent no. 12,287,902, issued on April 29, was assigned to Capital One Services LLC.
"Vaultless tokenization" was invented by Rohit Joshi (Glen Allen, Va.), Hao Cheng (Oakton, Va.) and Michael James Caughey (Glen Allen, Va.).
According to the abstract* released by the U.S. Patent & Trademark Office: "Disclosed herein are system, method, and computer program product embodiments for vaultless tokenization. Alphanumeric values may be determined based on numeric values generated from a hash of numeric user information shuffled through a plurality of randomly generated alphanumeric tables. The numeric user information and the alphanumeric values may be used to generate a table index. Shuffled numeric us...