Securing payment data

Details Securing payment data Securing payment data

2006-11-03

2008-11-18

Le, Uyen-Chau N (Department: 2887)

Registers

Systems controlled by data bearing records

Mechanized store

C235S382500, C235S449000, C235S451000, C235S492000, C705S050000, C705S064000, C705S075000, C380S281000, C380S282000, C380S284000

Reexamination Certificate

active

07451926

ABSTRACT:
The claimed subject matter relates to an architecture or arrangement that can limit access to sensitive information by means of encryption. In particular, data obtained from a payment instrument at, e.g., a Point-Of-Sale (POS) location can be encrypted at an early stage such that a POS (or another) application does not have access to the data in an unencrypted form and/or does not have access to a means for decrypting the data. For example, a Public Key Infrastructure (PKI) arrangement can be employed such that a back-end payment processor can define encryption algorithms, associate itself with a public key, and maintain a private key for decryption. The public key can be delivered to the POS location and employed for data encryption, and, moreover, the PKI can be regulated by the more trusted parties.

REFERENCES:
patent: 4731842 (1988-03-01), Smith
patent: 6234389 (2001-05-01), Valliani et al.
patent: 6253027 (2001-06-01), Weber et al.
patent: 6304915 (2001-10-01), Nguyen et al.
patent: 6312175 (2001-11-01), Lum
patent: 6373950 (2002-04-01), Rowney
patent: 6385723 (2002-05-01), Richards
patent: 6442448 (2002-08-01), Finley et al.
patent: 6736313 (2004-05-01), Dickson
patent: 7103575 (2006-09-01), Linehan
patent: 7309012 (2007-12-01), von Mueller et al.
patent: 2001/0034717 (2001-10-01), Whitworth
patent: 2002/0069114 (2002-06-01), Charette et al.
patent: 2002/0103763 (2002-08-01), Schutz
patent: 2002/0123970 (2002-09-01), Ludtke et al.
patent: 2004/0124966 (2004-07-01), Forrest
patent: 2005/0033692 (2005-02-01), Jarman et al.
patent: 2005/0251469 (2005-11-01), Nandakumar
patent: 2005/0256806 (2005-11-01), Tien et al.
patent: 2006/0106717 (2006-05-01), Randle et al.
patent: 2008/0040284 (2008-02-01), Hazel et al.
patent: 0930590 (1999-02-01), None
patent: 1233589 (2002-08-01), None
Yang, et al. “Interoperation Support for Electronic Business” (2000) ACM vol. 43, No. 6, 9 pages.
Hall, et al. “WPP: A Secure Payment Protocol for Supporting Credit-And Debit Card Transactions Over Wireless Networks” (2001) IEEE International Conference on Telecommunications, 6 pages.
Zhang, et al. “The Secure and Multiple Payment System Based on the Mobile Phone Platform” (2004) Proceedings to be published by Springer Verlag in its Lecture Notes in Computer Series, 15 pages.
International Search Report for International Patent Application No. PCT/US2007/083551 dated Feb. 27, 2008, 3 pages.

Affiliated with

Also associated with

Rating

Securing payment data does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Securing payment data, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Securing payment data will most certainly appreciate the feedback.

Rate now

Comments { 0 }

Profile ID: LFUS-PAI-O-4049488