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Personal token read system and method

  • US 9,141,953 B2
  • Filed: 08/15/2007
  • Issued: 09/22/2015
  • Est. Priority Date: 10/17/2006
  • Status: Active Grant
First Claim
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1. A method for facilitating secure transactions between a purchaser and a vendor, comprising:

  • the vendor providing a purchasing form to the purchaser via a communication network for bank card information, wherein the bank card information comprises a primary account number (PAN) and a bank identification number (BIN);

    the vendor receiving the form from the purchaser with the bank card information populated therein, wherein a portion of the PAN is encrypted with a first encryption key and wherein a portion of the BIN is encrypted with a second encryption key; and

    the vendor sending the encrypted bank card information to a gateway that routes the bank card information to a selected institution.

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