Apparatus and method for a payment processing system for securing bankcard data

Abstract

Apparatus and method for a payment processing system are described. The payment processing system provides security of and secures storage of bankcard data during storage in the payment processing system by encrypting the bankcard data.

1 . A method of securing storage of bankcard data in a payment processing computer system, comprising the steps of:
 a. transforming by a central processing unit of the computer system hosting a system program an original bankcard data, received into a temporary memory of the system using a forward transform logic, into an encrypted bankcard data;   b. creating a sequence number as a unique reference number by the system program using the central processing unit of the computer system for this original bankcard data;   b. storing in a storage by the system program using the central processing unit of the computer system only the encrypted bankcard data referenced by the sequence number.   
     
     
         2 . The method as in  claim 1 , comprising the steps of:
 using the sequence number by the system program for retrieval of the encrypted bankcard data from the storage.   
     
     
         3 . The method as in  claim 2 , comprising the steps of:
 transforming using a reverse transform function, the encrypted bankcard data into the original bankcard data.   
     
     
         4 . The method as in  claim 3 , comprising the steps of:
 using by the system program the original bankcard data for transaction processing.   
     
     
         5 . The method as in  claim 4 , comprising the steps of:
 not storing by the system program from the memory the original bankcard data after completion of the transaction processing.   
     
     
         6 . The method as in  claim 1 , comprising the steps of:
 storing by the system program the encrypted bankcard data in a storage system that is separate from a computer system that stores merchant data.   
     
     
         7 . A system for securing storage of bankcard data in a payment processing computer system, comprising:
 a. a central processing unit of a computer system hosting a system program transforms an original bankcard data, received into a temporary memory of the system using a forward transform logic, into an encrypted bankcard data;   b. the central processing unit of the computer system using the system program creates a sequence number as a unique reference number for this original bankcard data;   c. the central processing unit of the computer system using the system program stores in a storage only the encrypted bankcard data referenced by the sequence number.   
     
     
         8 . The system as in  claim 7 , comprising:
 the system program uses the sequence number for retrieval of the encrypted bankcard data from the storage.   
     
     
         9 . The system as in  claim 8 , comprising:
 the system program transforms using a reverse transform logic, the encrypted bankcard data into the original bankcard data.   
     
     
         10 . The system as in  claim 9 , comprising:
 the system program uses the original bankcard data for transaction processing.   
     
     
         11 . The system as in  claim 10 , comprising the steps of:
 the system program does not store from a memory the original bankcard data after completion of the transaction processing.   
     
     
         12 . The system as in  claim 7 , comprising:
 the system program stores encrypted bankcard data in a storage system that is separate from a computer system that stores merchant data.