System and method for point-to-point encryption with adjunct terminal
First Claim
Patent Images
1. A system for point-to-point encryption comprising:
- a card reader systemfor reading unencrypted card data stored on a magnetic stripe of a card andfor encrypting the card data using a network key,the card reader system being contained in a first housing;
a point of sale device coupled to the card reader system,the point of sale device being contained in a second housing separate from the first housing,the point of sale device having a user interface for obtaining a transaction amount;
a transaction request system coupled to the card reader system for transmitting the transaction amount and the encrypted card data to an authorization gateway,wherein the unencrypted card data is prevented from being processed by the point of sale device; and
an authorization gateway that comprises;
a token generation systemfor receiving an unencrypted token request and the encrypted card data andfor decrypting the encrypted card data; and
a transaction authorization systemfor transmitting the decrypted card data to a card-issuing bank with an authorization request andfor receiving an authorization response;
wherein the token generation system generates a token based on the authorization response,wherein the card reader system comprises a token request system for compiling the encrypted card data into a token request for transmission to the authorization gateway,wherein the token request is unencrypted.
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Abstract
A system for point-to-point encryption is provided. A card reader system reads unencrypted card data stored on a magnetic stripe of a card and encrypts the card data, the card reader system being contained in a first housing. A point of sale device coupled to the card reader system and contained in a second housing separate from the first housing has a user interface for obtaining a transaction amount. A transaction request system transmits the transaction amount and the encrypted card data to an authorization gateway, wherein the unencrypted card data is prevented from being processed by the point of sale device.
30 Citations
16 Claims
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1. A system for point-to-point encryption comprising:
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a card reader system for reading unencrypted card data stored on a magnetic stripe of a card and for encrypting the card data using a network key, the card reader system being contained in a first housing; a point of sale device coupled to the card reader system, the point of sale device being contained in a second housing separate from the first housing, the point of sale device having a user interface for obtaining a transaction amount; a transaction request system coupled to the card reader system for transmitting the transaction amount and the encrypted card data to an authorization gateway, wherein the unencrypted card data is prevented from being processed by the point of sale device; and an authorization gateway that comprises; a token generation system for receiving an unencrypted token request and the encrypted card data and for decrypting the encrypted card data; and a transaction authorization system for transmitting the decrypted card data to a card-issuing bank with an authorization request and for receiving an authorization response; wherein the token generation system generates a token based on the authorization response, wherein the card reader system comprises a token request system for compiling the encrypted card data into a token request for transmission to the authorization gateway, wherein the token request is unencrypted. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for point-to-point encryption comprising:
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reading unencrypted card data stored on a magnetic stripe of a card at a card reader system contained in a first housing; encrypting the card data at the card reader system using a network key; obtaining a transaction amount from a point of sale device contained in a second housing separate from the first housing; transmitting the transaction amount and the encrypted card data to an authorization gateway without decrypting the encrypted card data prior to transmission; preventing the unencrypted card data from being processed by the point of sale device; compiling the encrypted card data into a token request with unencrypted token request data for transmission to the authorization gateway at the card reader system; receiving the token request and the encrypted card data at the authorization gateway; decrypting the encrypted card data; transmitting the decrypted card data to a card-issuing bank with an authorization request; receiving an authorization response; and generating a token based on the authorization response. - View Dependent Claims (10, 11, 12, 13, 14)
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15. A method for point-to-point encryption comprising:
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reading unencrypted card data stored on a magnetic stripe of a card at a card reader system; encrypting the card data at the card reader system using a network key; obtaining a transaction amount from a point of sale device; transmitting the transaction amount and the encrypted card data to an authorization gateway without decrypting the encrypted card data; compiling the encrypted card data into a token request with unencrypted token request data for transmission to the authorization gateway at the card reader system; receiving the token request and the encrypted card data at the authorization gateway; decrypting the encrypted card data; transmitting the decrypted card data to a card-issuing bank with an authorization request; receiving an authorization response; and generating a token based on the authorization response. - View Dependent Claims (16)
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Specification