Verifone Gmbh

Scott Raymond Yale

Clay Von Mueller

Patrick K Hazel

Paul Elbridge Catinella

Mihir M Bellare

Joachim Vance

Blake Joseph Wood

Systems and methods for point-to-point encryption compliance are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for point-to-point encryption compliance may include: (1) a payment application receiving, from a data source, payment data encrypted using a first encryption method; (2) the payment application identifying a second encryption method for the payment data; (3) the payment application requesting, from the data source, the payment data encrypted using the second encryption method; and (4) the payment application receiving from the data source, the payment data encrypted using the second encryption method.

Systems and methods for point-to-point encryption compliance

Systems and methods for point-to-point encryption compliance are disclosed. In one embodiment, in a point of interaction device comprising at least one computer processor, a method for point-to-point encryption compliance may include: (1) receiving card data from a card reading device; (2) determining an error with the card data; (3) generating substitute data by replacing at least a portion of the card data with substitute data; and (4) communicating the substitute data to a payment server. The card data may be received from a magnetic stripe reader, from an EMV card reader, or from a contactless card reader. The error may include comprises the card data not being compliant with ISO-7813.

Systems and methods for performing a secure transaction provided. In one embodiment, the method includes: reading data on a command token, reading data on a token; encrypting the token data with a key; encrypting an authentication data with a clear text token data; and transmitting the encrypted authentication data with the encrypted token data to a remote device.

System and method for variable length encryption

Systems and methods for updating a transactional device having a reader is provided. In one embodiment, the method includes: reading data on a command token, wherein the data is stored in a memory device; identifying the token as a command token based on the data; generating transaction data that include an instruction based on the token data and a code identifying the instruction as a command data; and transmitting the transaction data to a remote device for command execution.

System and method for updating a transactional device

A system for facilitating secure transactions between a purchaser and a vendor is provided. The system might include a purchaser token data capture device for reading token data into the system, an encryption module for encrypting the token data and a network based vendor input form for communicating the encrypted token data to the vendor. The system might further include a purchaser terminal for routing the encrypted token data to a transaction processing network or a vendor for providing payment and confirmation to the vendor of an authorized token.

Personal token read system and method

Systems and methods for performing settlement of token access transactions are provided. In one embodiment, the invention provides for batch processing bank card transactions, including receiving transaction records for a plurality of bank card transactions, wherein at least some of the transaction records include encrypted token information; determining whether the transaction records contain encrypted token information; decrypting the encrypted token information for a transaction record that is determined to have encrypted token information; and providing clear text token information obtained by decrypting the encrypted token information for a transaction record for transaction settlement.

Batch settlement transactions system and method

Systems and methods for performing token transactions are provided. In one embodiment, the invention provides for processing token transactions, including receiving an encrypted password for a debit card transaction, wherein the password was secured using encrypted debit-card information, decrypting the password using encrypted debit-card information for the debit card, recreating the password using actual debit-card information for the debit card, and forwarding the recreated password for subsequent transaction processing. The invention is suitable for implementation with other types of tokens in addition to debit-card tokens as well. The invention can be implemented in a scenario where the password includes a PIN block that is created by combining a clear or encrypted PIN for the token with token information.

Pin block replacement

Systems and methods for performing a secure transaction provided. In one embodiment, the method for encrypting data is provided, comprising: selecting clear text data; selecting a symbol set corresponding to the clear text data; encrypting the clear text data using a key, the encrypting comprising the operations of: defining a first portion and a second portion of the clear text data, encrypting the second portion using the key to generate an encryption mask, and encrypting the clear text data by applying the encryption mask to the first portion using a modulus operation while preserving the second portion as unencrypted, thereby resulting in encrypted data comprising an encrypted first portion and an unencrypted second portion; and wherein the encrypted data has the same format as the clear text data, has the same length as the clear text data, and uses the symbol set of the clear text data.

System and method for secure transaction

Systems and methods for monitoring token access transactions are provided. In one embodiment, the invention provides receiving transaction records for a plurality of bank card transactions, wherein the transaction records include transaction information and infrastructure information; determining whether a reportable event has occurred based on the transaction information with the transaction records; and providing an alert representing the reportable event.

Growing community of inventors

El Cajon, CA, United States of America

Scott Raymond Yale