Electronic authorization system and method
First Claim
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1. A method for securing payment transactions comprising:
- capturing payment data at a data source system using one or more integrated circuits, the payment data comprising card data from a payment card and confidential data;
generating, using one or more integrated circuits, substitute payment data remote from the data source system as a function of the card data and confidential data; and
providing the substitute payment data to a data network interface system using one or more integrated circuits, thereby causing the data network interface system to use the substitute payment data in place of the card data when sending an authorization response, said substitute payment data not being valid payment data, but being capable of being treated as actual payment data by the data network interface system.
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Abstract
An electronic authorization system comprising a data source system configured to transmit transaction data. A secure data system is coupled to the data source system over an open network, the secure data system is configured to receive the transaction data from the data source system, generate a unique encrypted identifier for the transaction data and to transmit the unique encrypted identifier to the data source system. The data source system is configured to receive the unique encrypted identifier and replace payment card data associated with the transaction data in a database with the unique encrypted identifier.
19 Citations
19 Claims
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1. A method for securing payment transactions comprising:
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capturing payment data at a data source system using one or more integrated circuits, the payment data comprising card data from a payment card and confidential data; generating, using one or more integrated circuits, substitute payment data remote from the data source system as a function of the card data and confidential data; and providing the substitute payment data to a data network interface system using one or more integrated circuits, thereby causing the data network interface system to use the substitute payment data in place of the card data when sending an authorization response, said substitute payment data not being valid payment data, but being capable of being treated as actual payment data by the data network interface system. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of generating payment data, the method comprising:
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capturing payment data associated with a payment card using a processor; the payment data comprising account data; and performing a substitute payment data generation process with the processor on the payment data to obtain substitute payment data, said performing comprising; generating, using one or more integrated circuits, the substitute payment data remote from the data source system as a function of the payment data associated with the payment card and confidential data by; obtaining a unique encrypted identifier that excludes the payment data, replacing at least a first portion of the account data with the unique encrypted identifier; and preserving at least a second portion of the account data, wherein preserving the second portion of the account data enables a system to process the substitute payment data using one or more integrated circuits as if it were payment data. - View Dependent Claims (11, 12, 13, 14)
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15. A method for generating payment data comprising:
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capturing payment data associated with a payment card using a processor; the payment data comprising account data; performing format preserving encryption on the payment data using the processor to obtain substitute payment data, said performing comprising; generating, using one or more integrated circuits, the substitute payment data remote from the data source system as a function of the payment data associated with the payment card and confidential data by; obtaining a unique encrypted identifier that is unique from any other encrypted identifier at the processor and that excludes the payment data; replacing at least a first portion of the account data with the unique encrypted identifier that excludes the payment data; and preserving at least a second portion of the account data, wherein preserving the second portion of the account data enables a system to process the substitute payment data as if it were payment data. - View Dependent Claims (16, 17, 18, 19)
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Specification