DYNAMIC ENCRYPTION OF PAYMENT CARD NUMBERS IN ELECTRONIC PAYMENT TRANSACTIONS

摘要

Systems and methods are provided for secure transmission of information identifying account holders in electronic payment transactions made using payment cards or devices that are based integrated circuit chip technology. Individual cards or devices are associated with a cipher key. Information such as personal account numbers, which may be stored on the cards or devices, is encrypted using a block cipher in a variant of the cipher feedback mode. This manner of encryption preserve the lpngth of the cleartext, and allows the ciphertext to be securely transmitted in standard data structure formats over legacy electronic payment networks.