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Secure payment card transactions

  • US 7,891,563 B2
  • Filed: 05/17/2007
  • Issued: 02/22/2011
  • Est. Priority Date: 05/17/2007
  • Status: Active Grant
First Claim
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1. A method of adding security to a point-of-sale (POS) terminal which communicates over a network with a POS server, the POS terminal including a POS terminal application installed thereon and a payment card reader, the POS terminal application configured to communicate with the POS server over a non-secure channel to process payment card transactions, the method comprising:

  • installing a POS security layer on the POS terminal, the POS security layer configured to at least;

    (a) intercept payment data received from the payment card reader when a user initiates a payment card transaction, the payment data comprising actual card data;

    (b) pass false card data to the POS terminal application for use in place of the actual card data, such that the false card data is transmitted over the non-secure channel to the POS server in place of the actual card data; and

    (c) transmit the actual card data to the POS server over a secure channel;

    such that the actual card data is inhibited from being transmitted over a non-secure channel.

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