Masking Bank Account Numbers

Bank account numbers are masked to 16 characters regardless of the original length. The first two digits of a masked bank account number is a system-assigned prefix and the last four digits are displayed.

This example illustrates how the system creates the 16-character bank account number:

Prefix	Mask characters	Last four characters of bank account number
00	XXXXXXXXXX	2134

Masking Logic for the External Accounts Page

Note:

This masking logic applies only to the PeopleSoft Banks Setup and Processing: External Accounts Page. For all other pages, the masked bank account number always has a prefix of "00".

If the last four digits of two bank account numbers are the same, a two-digit prefix is assigned sequentially. For example, if the last four digits of two bank account numbers are the same, the system assigns "00" as the prefix for the first bank account number, and assigns "01" as the prefix for the second bank account number.

This example illustrates the generic masking for bank account numbers. Two bank account numbers (lines 2 and 3) have the same last four digits. Notice that the Mask Value appears to be the same:

Line	Bank ID	Account Number	Mask Value
1	123456	1284366237	XXXXXX6237
2	123456	1107395556	XXXXXX5556
3	123456	1268375556	XXXXXX5556
4	1212	436712	XX6712
5	15875	81933	X1933

This example illustrates the same two account numbers (lines 2 and 3) have the same last four digits. Notice that the Mask Value appears different due to the prefix added and all masked bank account numbers are 16 characters in length:

Line	Bank ID	Account Number	Mask Value
1	123456	1284366237	00XXXXXXXXXX6237
2	123456	1107395556	00XXXXXXXXXX5556
3	123456	1268375556	01XXXXXXXXXX5556
4	1212	436712	00XXXXXXXXXX6712
5	15875	81933	00XXXXXXXXXX1933

The two-digit prefix is always displayed at the beginning of a masked bank account number. The system assigns "00" to the first occurrence. When a bank account number is entered into the system and the last four-digits are a duplicate of another bank account number, the system assigns "01" as the prefix. If a third bank account number is entered with the same last four digits, the system assigns "02" as the prefix, and so on.

International Bank Account Number

When the encryption process runs the IBAN ID is also masked in all tables with the last four digits unmasked. There is no prefix logic for IBAN numbers.