HSM – Hardware Security Module

Data protection for companies and critical infrastructures

How to address fraud issues in the context of instant payment?

Instant payment is playing a key role in markets acceleration. Trade is often slowed by one factor: deferred payment. With this new payment method, a transfer could be made in less than ten seconds and every day of the week. However, this exchanges’ immediacy raises a problem: if the payments are made in real time, won’t it also be the case for fraudulent maneuvers?

The challenge

As part of the development of instant payment solutions, banks are facing an increasing complexity of fighting fraudulent account-to-account transactions. The speed of transactions requires fully automated anti-fraud treatment, with no manual review options.

The solution

Tokenization mechanisms, already successfully implemented to secure card payment transactions (Primary Account Number (PAN) tokenization), can contribute to instant payment protection measures. The account number is replaced by a number (Token) specific to the context of the instant payment. Thus, the real account number is no longer exposed to theft and the Token can be used without modifying the existing ecosystem, possibly with appropriate control parameters.

In addition

IBAN encryption / decryption features with format preservation are added to the Crypt2pay Hardware Security Module to provide a means for tokenizing the account number.

Are you interested in our instant payment security solutions?

We are here to help you.

The benefits of tokenization are not limited to the protection of credentials. For more information on what we can do for you in terms of security and protection of private data, do not hesitate to contact us directly by email or to fill out our contact form.

Related resources and news

Factsheet Trustway crypt2pay

Hardware Security Module (HSM) for secure transactions

Trustway crypt2pay is a high performance encryption device designed to protect transactions, carried out with a bank or private card, contact or contactless, and all operations made in card processing centers.

Factsheet KMC

Key Management Centre (KMC) for secure transactions

The proliferation of applications and HSMs requires the establishment of centralized tools for key management and harmonization of procedures for key management. Atos KMC solution has been designed to manage keys for banks and large organizations.

Brochure HSM

Data Security – Choosing the right path through compliance

Compliant, flexible and innovative, our Hardware Security Module range brings to companies and critical infrastructures the reliability of an innovative and robust architecture in compliance with strict security demands.

Partner program

Partnership cyber security products

Atos support consists of an international team of experts who will help you get optimal use out of our products in your specific environment every day.

News

Atos named a Leader in GDPR Services by NelsonHall

Webinar: Disruption in the Payment Ecosystem – Solving key security challenges of new payment technologies (September 19th 2018 at 2pm CET)

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Other HSM products

Trustway Crypt2pay

Crypt2pay is the specialist HSM (Hardware Security Module) designed to secure withdrawal and payment transactions
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Trustway Proteccio NetHSM

TrustWay Proteccio NetHSM is a hardware security module (HSM) providing software solutions with a high-performance and highly secure environment
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TrustWay Proteccio OEM

HSM TrustWay Proteccio OEM provides editors and integrators with an open and secure hardware platform for designing certified and scalable cryptographic appliances.
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Interested in our HSM payment Trustway crypt2pay?