Securing Payments

Hardened data security for the payments industry

Futurex helps secure every part of the payments ecosystem. We provide secure cryptographic devices (SCDs) capable of limitless cryptographic operations. You can deploy our hardware security modules (HSMs), key management servers, and cryptographic management modules in any arrangement and scale them to any degree.

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Payment HSM

Interoperability and integration

In addition to their scalable power and flexible functionality, Futurex data security solutions adapt to your organization’s needs. A common code base allows you to combine Futurex devices into highly available single-vendor environments. You can also use vendor-neutral APIs to integrate them with multi-vendor environments. Deploying a Futurex payment HSM in the cloud enables organizations to fulfill single use-cases at less cost by spinning up individual cryptographic functions.

Industry-leading speed and security

Futurex provides the most powerful and secure payment HSMs on the market, with virtually limitless scalability and FIPS 140-2 Level 3-certified data protection.

Market-leading versatility

The Futurex solution suite contains every essential cryptographic function. Whether you need to issue payment cards, inject cryptographic keys, protect cardholder data, or sign blockchain transactions, Futurex has you covered.

Time-tested industry expertise

Futurex has 40 years of experience serving clients in the financial and payments industry, including financial issuers and acquirers, payments technology manufacturers, payment solution providers, and blockchain developers.

Financial key management

Futurex key management servers handle both symmetric and asymmetric encryption. They secure private keys, forming the basis for public key infrastructure (PKI) and an offline root certificate authority (CA). This enables mutual authentication between devices and users. The private keys of the offline root CA are secured by FIPS 140-2 Level 3-certified HSMs.

  • Use symmetric and asymmetric encryption
  • Establish offline root CA and issuing CA to manage certificate trees
  • Create a PKI for digital authentication
  • Manage encryption keys from a central, intuitive GUI

PCI DSS scope and cost reduction

Futurex products are secure cryptographic devices (SCDs) that comply with all major industry standards, including PCI DSS, PCI HSM, and PCI PIN. All data is encrypted by and stored within FIPS 140-2 Level 3-certified HSMs. Solutions such as vaultless tokenization and public key infrastructure keep data secure and compliance scope at a minimum.

  • Tokenization removes unencrypted data
  • Vaultless tokenization removes token vaults
  • PKI allows safe transmission over public networks
  • Maintain trust, limit liability, and reduce costs

Online and mobile PIN management

Personal identification number (PIN) issuance and validation are central to payment transactions. They represent a form of user access management. Futurex provides cryptographic modules that encrypt keys and establish public key infrastructure (PKI) for online and mobile PIN management operations.

  • Financial HSMs encrypt PIN data
  • PKI securely manages keys across public networks
  • Cloud service provides virtually unlimited scalability
  • Solutions are FIPS 140-2 Level 3 certified and compliant with all major standards

ATM remote key loading

ATM encryption keys encrypt cardholder data and PIN codes. The keys rotate according to cycles. When you automate the process remotely, it creates shorter rotation cycles with higher data protection. Futurex offers key management servers and key injectors to enable remote, automated key loading (RKL) for ATMs.

  • Reduce time and effort of manual key rotation
  • Streamline key management across the network of ATMs
  • Create and manage keys from the FIPS 140-2 Level 3 device
  • Eliminate system downtime during the rotation process

Point-to-point encryption (P2PE)

Using Futurex HSMs, financial institutions can secure sensitive data endpoints with point-to-point encryption (P2PE). P2PE secures payments by making payment data unreadable from the moment of capture. This also reduces your organization’s compliance scope, making it easier to comply with regulations like PCI DSS, HIPAA, or GDPR.

  • P2PE secures each step of a payment
  • Data is encrypted before being transmitted
  • Points of transmission are mutually authenticated
  • Deploy P2PE using on-premises or cloud payment HSM

POS and mPOS remote key loading

Remote key loading (RKL) allows customers to distribute encryption keys to geographically-separated networks of payment devices, such as Point of Sale (PoS) terminals and IoT devices, by using a secure IP connection. Futurex provides a hardware-based RKL platform for this purpose. It injects keys into entire networks of PoS and mPoS devices from a secure, central location.

  • Automate key rotation cycles
  • Reduce system downtime and effort
  • Centralize key management
  • Combine RKL solution with additional key management solutions

Vaultless tokenization

Tokenization protects valuable data by replacing clear data with randomly generated tokens. However, the databases that store the tokens alongside the corresponding data are high-risk targets. The Futurex advanced vaultless tokenization service uses a vaultless method of tokenization, eliminating the risk and complexity created by token vaults.

  • Combine with P2PE for end-to-end security
  • Smaller data storage footprint
  • Reduced costs, resources, and PCI compliance scope
  • Capable of automated network-based backups

Host card emulation

Smart devices have embedded near-field communication (NFC) chips that can emulate payment cards. You can use this host card emulation (HCE) to make mobile payments. Secure the process by using financial HSMs compatible with major mobile cloud payment apps. Futurex provides this capability as a low-cost, high-efficiency secure system.

  • Certificate authority (CA) establishes digital signing
  • PKI ensures smart devices are authenticated
  • Cloud payment HSMs process transactions
  • Cloud deployment offers full redundancy and high availability

Blockchain

Blockchain transactions are secured by hashes determined by previous transactions, while users are assigned private keys for authentication. As such, blockchain requires cryptography and public key infrastructure (PKI). Futurex provides blockchain developers with secure and scalable payment HSMs and key management servers available over the cloud.

  • HSM encrypts blockchain entries
  • Establish certificate authority (CA)
  • Offline root CA establishes PKI
  • PKI allows for mutual authentication
On-premises and in the cloud

Endlessly customizable complete solutions

  • Point-to-point encryption (P2PE) secures cardholder data
  • Scalable hardware security module transaction processing
  • PKCS #11 for host application integration
  • Compliant with PCI DSS/HSM and FIPS 140-2 Level 3
  • Configure entire certificate trees
  • Deploy all-in-one turnkey CA service
  • Manage cryptographic keys and certificate lifecycles
  • Comprehensive data authentication: SDA, DDA, and CDA
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