System and method for point-to-point encryption with adjunct terminal

Abstract

A system for point-to-point encryption is provided. A card reader system reads unencrypted card data stored on a magnetic stripe of a card and encrypts the card data, the card reader system being contained in a first housing. A point of sale device coupled to the card reader system and contained in a second housing separate from the first housing has a user interface for obtaining a transaction amount. A transaction request system transmits the transaction amount and the encrypted card data to an authorization gateway, wherein the unencrypted card data is prevented from being processed by the point of sale device.

1 - 16 . (canceled) 
     
     
         17 . A system for point-to-point encryption comprising:
 a card reader system for reading unencrypted card data stored on a magnetic stripe of a card and for encrypting the card data immediately after the card data is read and prior to subsequent processing, the card reader system being contained in a first housing;   a point of sale device coupled to the card reader system, the point of sale device being contained in a second housing separate from the first housing, the point of sale device having a user interface for obtaining a transaction amount; and   a transaction request system for transmitting the transaction amount and the encrypted card data to an authorization gateway, wherein the unencrypted card data is prevented from being processed by the point of sale device.   
     
     
         18 . The system of  claim 17  wherein the card reader system comprises a token request system for compiling the encrypted card data into a token request for transmission to the authorization gateway. 
     
     
         19 . The system of  claim 17  wherein the point of sale device comprises a token handling system receiving a token from the authorization gateway, associating the token with transaction data and storing the token and the associated transaction data in a local memory. 
     
     
         20 . The system of  claim 17  wherein the point of sale device comprises a transaction permission system receiving a token from the authorization gateway, associating the token with transaction data and transmitting the token and the associated transaction data to the authorization gateway. 
     
     
         21 . The system of  claim 17  wherein the point of sale device is only coupled to the card reader system through the authorization gateway. 
     
     
         22 . The system of  claim 17  wherein the point of sale device is only coupled to the card reader system through a data port of the point of sale device. 
     
     
         23 . The system of  claim 17  wherein the card reader system is coupled to the authorization gateway, and data from the point of sale device is only transmitted to the authorization gateway by passing through the card reader system. 
     
     
         24 . The system of  claim 17  further comprising an authorization gateway that further comprises:
 a token generation system for receiving a token request and the encrypted card data and for decrypting the encrypted card data; and 
 a transaction authorization system for transmitting the decrypted card data to a card-issuing bank with an authorization request and for receiving an authorization response; 
 wherein the token generation system generates a token based on the authorization response. 
 
     
     
         25 . A method for point-to-point encryption comprising:
 reading unencrypted card data stored on a magnetic stripe of a card at a card reader system contained in a first housing;   encrypting the card data at the card reader system immediately after the card data is read and prior to subsequent processing;   obtaining a transaction amount from a point of sale device contained in a second housing separate from the first housing;   transmitting the transaction amount and the encrypted card data to an authorization gateway; and   preventing the unencrypted card data from being processed by the point of sale device.   
     
     
         26 . The method of  claim 25  comprising compiling the encrypted card data into a token request for transmission to the authorization gateway at the card reader system. 
     
     
         27 . The method of  claim 25  comprising:
 receiving a token from the authorization gateway; 
 associating the token with transaction data; and 
 storing the token and the associated transaction data in a local memory. 
 
     
     
         28 . The method of  claim 25  comprising:
 receiving a token from the authorization gateway; 
 associating the token with transaction data; and 
 transmitting the token and the associated transaction data to the authorization gateway. 
 
     
     
         29 . The method of  claim 25  comprising coupling the point of sale device to the authorization gateway only through the card reader system. 
     
     
         30 . The method of  claim 25  comprising coupling the point of sale device to the card reader system only through a data port of the point of sale device. 
     
     
         31 . The method of  claim 25  wherein data from the point of sale device is only transmitted to the authorization gateway by passing through the card reader system. 
     
     
         32 . The method of  claim 25  further comprising:
 receiving a token request and the encrypted card data at the authorization gateway; 
 decrypting the encrypted card data; 
 transmitting the decrypted card data to a card-issuing bank with an authorization request; 
 receiving an authorization response; and generating a token based on the authorization response.