TriCipher Solutions: Credit Card Processing

Credit Card Processors are entrusted by banks and payment networks to process billions of customer transactions. A single security breach can result in millions of credit cards and customer records being exposed to fraud and identity theft. To protect customer information, the Payment Card Industry (PCI) has implemented a data security standards that requires organization handling credit card information to encrypt cardholder data and protect access to the encryption keys used to encrypt the data. In addition, credit card processors provide their bank and merchant customers with web-based access to customer information that needs to be protected with strong authentication.


The existing options for establishing online identities such as passwords, cookies, pictures, and tokens have been proven inadequate by fraudsters, while stronger forms of authentication such as traditional PKI, Smart Cards, and Biometrics have failed to realize their potential because they are difficult to use and deploy, and simply cost too much to make business sense.

The TriCipher Armored Credential System (TACS) is the only unified authentication infrastructure that can provide a secure, easy to use and low cost authentication system to protect encryption keys used to encrypt cardholder information and protect access to web-based credit card processing applications. TACS provides more effective security than traditional PKI, is as easy to use as entering a username/password and has a low cost per user and transaction. The TriCipher patented multi-part credential provides unparalleled protection of a user's online identity while maintaining the familiar user experience of entering a username and password. With the secure multi-part credential as the foundation, TriCipher's Authentication Ladder™ integrates a range of authentication factors including passwords, browser cookies/certificates, PCs, portable devices, tokens, smart cards and biometrics to provide a complete authentication system.