Visa International Service Association

Marc Perl

John F Sheets

Kim R Wagner

Glenn Leon Powell

Krishna Prasad Koganti

Paul Tait

Hector Rodriguez

Susan Zloth

Sue Zloth

Systems and methods are disclosed in which data associated with a transaction are protected with encryption. At an access device, a PIN associated with a payment account may be encrypted with a first key derived from an initial key of the access device and sensitive data associated with the payment account may be encrypted with a second key derived from the initial key. At a secure module associated with a host server encrypted sensitive data of an authorization request message may be decrypted. The secure module associated with the host server can re-encrypt the sensitive data using a zone encryption key associated with a payment processing network. A translated authorization request message including the re-encrypted sensitive data can be transmitted by the merchant server to the payment processing network.

Data protection with translation

Growing community of inventors

Cameron Park, CA, United States of America

Marc Perl