System for structured encryption of payment card track data
First Claim
1. A method for securing data conveyed over a communications network between a point-of-sale system that receives track data from payment cards and a payment gateway that performs payment card authorization operations, comprising:
- with processing circuitry at the point-of-sale system, obtaining track data from a payment card;
with the processing circuitry at the point-of-sale system, removing selected primary account number digits from a primary account number in the track data;
with the processing circuitry at the point-of sale system, compressing the removed primary account number digits to form compressed primary account number data;
with the processing circuitry at the point-of sale system, inserting the compressed primary account number data into a field of the track data to create a modified track data portion; and
inserting information into the primary account number digits in the track data that represents how many of the selected primary account number digits were removed.
9 Assignments
0 Petitions
Accused Products
Abstract
A system may include a point-of-sale system that gathers payment card track data from a payment card and a payment card gateway that processes the track data to authorize purchase transactions. The point-of-sale system may remove sensitive data such as a portion of a primary account number from the track data and may compress the removed data. The compressed version of the data may be appended to a discretionary field in the track data. The discretionary field may be encrypted following insertion of the compressed data. Track data that has been modified in this way may be conveyed to the payment gateway for processing.
17 Citations
19 Claims
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1. A method for securing data conveyed over a communications network between a point-of-sale system that receives track data from payment cards and a payment gateway that performs payment card authorization operations, comprising:
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with processing circuitry at the point-of-sale system, obtaining track data from a payment card; with the processing circuitry at the point-of-sale system, removing selected primary account number digits from a primary account number in the track data; with the processing circuitry at the point-of sale system, compressing the removed primary account number digits to form compressed primary account number data; with the processing circuitry at the point-of sale system, inserting the compressed primary account number data into a field of the track data to create a modified track data portion; and inserting information into the primary account number digits in the track data that represents how many of the selected primary account number digits were removed. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method for securing data conveyed over a communications network between a point-of-sale system that receives track data from payment cards and a payment gateway that performs payment card authorization operations, wherein the track data includes personal account number data, the method comprising:
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with processing circuitry at the point-of-sale system, compressing selected track data to produce compressed track data, wherein the selected track data has a first length wherein the compressed track data has a second length that is shorter than the first length, and wherein compressing the selected track data comprises removing a number of digits from the track data; with the processing circuitry, inserting the compressed track data into a given field of the track data, with the processing circuitry, determining the number of digits that was removed from the track data; and with the processing circuitry, inserting information into the track data that represents the number of digits that was removed from the track data. - View Dependent Claims (13, 14, 15, 16, 17)
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18. A method for processing payment card track data, comprising:
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losslessly compressing a part of the payment card track data at a location in the payment card track data so that the payment card track data shrinks from a first length to a second length that is shorter than the first length; inserting the compressed part of the payment card track data into a selected field of the payment card track data; and inserting information at the location in the payment card track data to increase the payment card track data to a third length greater than the second length, wherein the information identifies a length of the compressed part of the payment card track data. - View Dependent Claims (19)
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Specification