Retail

Protect payment data. Achieve full compliance.

Discover a wide range of cryptographic functionalities

Payment security

Futurex provides HSMs, key management servers, and cryptographic management servers on-premises and in the cloud to deliver the following cryptographic functionalities for retailers:

  • Point-to-point encryption (P2PE)
  • Point-of-sale (POS) key management
  • Financial transaction processing
  • Vaultless tokenization
  • Digital code signing
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payment security
Powerful payment processing technology

Futurex provides best-in-class hardware security modules (HSMs), with payment transaction speeds that are scalable to over 25,000 transactions per second (TPS).

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Flexible deployment

You can deploy Futurex HSMs on-premises, in the cloud, or as a hybrid of both. Our solutions architects help identify and meet your business needs.

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The challenges facing retail payment security

Retailers are high-value targets for cybercriminals because of the personal information they handle: payment card info, billing address, phone numbers, and do on. Also, retailers must observe strict compliance requirements.

  • Mixed payment technology: A combination of payment terminals and eCommerce solutions creates multiple attack vectors
  • Third-party business partners: Third-party vendors and suppliers with access to retailers’ systems can pose security risks
  • Stringent requirements: Many retailers must comply with PCI DSS and HIPAA

Futurex solutions for retail payment security

Futurex makes it easy for retailers to establish payment security with its market-leading encryption solutions.

  • Point-to-point encryption (P2PE): Encrypt data from the moment of capture until the transaction is complete
  • Vaultless tokenization: Replace stored data with indecipherable placeholders, reducing security risks and compliance scope
  • Key management for point-of-sale (POS): Create and centrally manage keys for all devices across your enterprise
Fraud prevention technology

Futurex devices, built with logical and physical security in mind, use role-based permissions systems and a tamper-proof (and tamper-evident) design.

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Encryption algorithms

You can find the encryption solutions you’re looking for at Futurex, including EMV, DUKPT, Triple DES, AES, Master/Session, and more.

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Limitless cryptographic functionality

You can easily take advantage of the Futurex solution suite with the entire range of available cryptographic functions at your disposal.

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In the cloud, on-premises, or a hybrid of both: Futurex delivers tailored cryptographic solutions to fit your business needs.

 

Any cryptographic function. Any size. Any scale. Any location.

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Point-to-point encryption (P2PE)

Retailers can reduce compliance scope and protect cardholder data in transit by implementing point-to-point encryption (P2PE).

What is point-to-point encryption (P2PE)?

P2PE makes sensitive information unreadable at every step of a transaction.

For example, when a customer makes a transaction with a credit card, their card data is encrypted. The encrypted data is indecipherable when it travels over a payment network. It only becomes decipherable when it is decrypted after arriving at its destination.

Improve payment security, reduce compliance scope

P2PE secures payments by making payment data unreadable at every point of transit. This extra layer of encryption also reduces your organization’s compliance scope, making it easier to comply with regulations like PCI DSS, HIPAA, or GDPR.

Mitigate data breaches with vaultless tokenization

Card-holder data that is not actively moving or traveling from one location to another is at rest. Data at rest is vulnerable to hackers and thieves.

Vaultless tokenization protects data at rest using randomly generated characters as placeholder data. If tokenized data is lost or stolen, it is useless to cybercriminals. Furthermore, tokenization reduces compliance scope and simplifies auditing for organizations charged with safeguarding their customers’ information per compliance mandates.

Works with Point-to-Point Encryption (P2PE) to reduce PCI DSS compliance scope and protect data both in transit and at rest.

What is tokenization?

Tokenization is a method of protecting sensitive payment data, typically credit or debit card numbers.

Tokenization replaces sensitive data with randomly generated characters. These random characters, known as tokens, are merely placeholders. They have no intrinsic value.

Tokenization allows authorized users to retrieve encrypted data when it is needed. At that point, it is decrypted and made readable once again.

Scope reduction using POS Key Management

Reduce your PCI compliance scope even further with Futurex key management services: a full-spectrum solution built to streamline the creation and management of keys across complex IT ecosystems.

Reliable Data Protection

Retailers have a serious responsibility to protect consumers’ sensitive payment data from fraud. However, you need to balance this task with offering consumers convenient and innovative payment options.

Futurex provides the best of both worlds with hardened security solutions that make it easy to process payment cards and store credit card data safely.

Futurex devices are all FIPS 140-2 Level 3-validated Secure Cryptographic Devices (SCD), providing security for our customers through physical measures such as reinforced steel chassis and tamper-responsive wires that zeroize stored data if a physical intrusion attempt occurs.

Logical payment security tools

The physical security features of Futurex devices combined with logical restrictions provide a truly secure solution for the payments industry.

Dual control and a role-based user system with permissions you can allocate according to the principle of least privilege protect your retail environment from fraud and insider threats.

Every action, both for internal device configuration and external data processing, is logged in secure and exportable audit logs, simplifying the audit process.

Total Lifecycle Security

The expansive Futurex solution suite for retailers provides security every step of the way, forming a total solution for data, keys, and certificates across their entire lifecycles from generation to end of life:

Market-leading payment processing technology

For the individual payment terminals found in every retail store, Futurex provides the algorithms, protocols, verification service, and authentication technologies needed to secure every kind of payment and prevent fraud.

At the device management level, Futurex provides predictive analytics and intelligent monitoring of vital system parameters, potential problems such as exhaustive PIN attacks, fraudulent transactions, overall infrastructure health, and more.

A customizable and automated alerting system prevents fraud more effectively by keeping your systems administrators aware of suspicious activity before it escalates.

Online transactions

Today, consumers want options for how they shop. According to the latest trends in retail, customer spending remains consistent.

But the venue for these transactions has shifted from physical store locations to online services, such as the retailer’s eCommerce website or payment gateway.

Implementing eCommerce site solutions provides customers with a secure way to conduct a payment transaction online with minimal risk.

Futurex retail solutions portfolio

Financial Key Management
Handle symmetric and asymmetric encryption, securing private keys for your PKI and offline root CA for authentication.
Online & Mobile PIN Management
Issue and validate PINs with secure, cryptographic modules and an established PKI for mobile and online operations.
Point-to-Point Encryption (P2PE)
Secure sensitive data endpoints compliantly with P2PE, making payment data unreadable from the point of capture.
Vaultless Tokenization
Protect valuable data with randomly generated, vaultless tokens to reduce risk and complexity.
Blockchain
Blockchain developers can use secure, scalable payment HSMs and key management servers across the cloud.
PCI DSS Scope & Cost Reduction
Secure financial payments with certified SCDs and HSMs that are industry-compliant (PCI DSS, PCI HSM, and PCI PIN).
ATM Remote Key Loading
Automate regular ATM encrypted key rotation with key management servers and key injectors to secure cardholder data.
POS & mPOS Remote Key Loading
Use RKL to send encryption keys to any type of device in any location from a secure central location.
Host Card Emulation
Use host card emulation to make mobile payments secured by financial HSMs efficient and inexpensive.

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