HSM – Hardware Security Module for instant payment

Data protection for banks and financial services

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?

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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.

Why choosing 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!

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Interested in our HSM payment Trustway crypt2pay?