安全卡片儲存
Cardflo 提供專為大批量交易和敏感數據設計的安全卡片儲存解決方案。 我們的基礎設施保護客戶支付詳細資料，同時確保循環支付和訂閱管理的無縫訪問。
通過強大的加密和代幣化策略，保持合規性並贏得客戶信任。
- 類別
- 安全
- 功能數
- 10
- 適用於
- 所有方案
概覽
Secure card storage, commonly referred to as vaulting, involves the encryption and preservation of sensitive primary account numbers (PANs) within a hardened environment.
This component of the payment stack separates sensitive data from the merchant server, shifting the vast majority of PCI DSS compliance requirements to the provider.
By replacing original card details with a unique surrogate identifier, or token, a merchant can process subsequent transactions without handling raw financial data. This architecture is fundamental for businesses managing recurring billing, subscription cycles, or one-click checkout experiences.
The storage system interacts with the gateway and acquirer to facilitate Merchant Initiated Transactions (MIT) while adhering to stringent security protocols. Robust storage frameworks must also support lifecycle management, including automated updates for expired cards and secure data purging to meet data minimisation standards.
Effectively implemented, secure storage reduces the risk of credential theft and ensures that the authorisation process for returning customers is both efficient and compliant with regional mandates like PSD2.
運作方式
Initial Data Capture
When a customer enters payment details, the raw data is transmitted directly to a PCI-compliant vault. This transmission occurs via an encrypted channel, such as TLS 1.
2 or higher, ensuring the merchant environment never comes into contact with the clear-text primary account number or sensitive authentication data.
Token Generation and Mapping
The storage system generates a non-sensitive token to represent the card. This token is mapped to the encrypted card data within the secure environment.
The merchant stores only this token in their database, which carries no intrinsic value if intercepted by unauthorised parties during a breach.
Secure Vaulting and Encryption
Sensitive details are encrypted using industry-standard algorithms like AES-256. Cryptographic keys are managed through a dedicated hardware security module (HSM) with strict rotation policies.
Data is stored in a tiered architecture to isolate the payment information from external networks and unauthorised internal processes.
Transaction Authorisation
To process a subsequent payment, the merchant sends the token rather than the raw card data to the payment gateway. The vaulting service de-tokens the request, retrieves the original credentials, and submits them to the acquirer for authorisation, maintaining a secure loop throughout the lifecycle.
為何重要
Compliance Scope Reduction
Implementing a secure vaulting strategy allows merchants to limit their PCI DSS assessment scope. By ensuring that primary account numbers never touch the merchant's own servers, the business can often qualify for simplified self-assessment questionnaires (SAQs).
This reduces the administrative burden and costs associated with annual security audits and technical infrastructure hardening while maintaining a rigorous security posture.
Conversion and Retention Strategy
Stored credentials facilitate frictionless repeat purchases, which are vital for subscription-based business models. Secure storage enables Account Updater services to automatically refresh expired or replaced card details without customer intervention.
This reduces friction at the point of sale and minimises involuntary churn caused by outdated payment information, directly impacting the lifetime value of the customer base.
應用案例
Subscription and SaaS Providers
Services requiring periodic billing depend on vaulting to execute Merchant Initiated Transactions. Tokens allow for reliable monthly or annual billing cycles without requiring customers to re-enter details for every renewal.
E-commerce Marketplaces
Platforms with high repeat-purchase rates use card storage to enable one-click checkouts. This removes checkout friction while ensuring that the marketplace does not bear the risk of storing raw PAN data locally.
Mobile App Payments
Applications can securely store payment methods for in-app purchases or service bookings. Tokenisation ensures that even if the mobile device is compromised, the actual card details remain safe within the vaulted environment.
數據概覽
Typical reduction in technical controls and administrative tasks when moving from on-premise storage to a specialised third-party vaulting service.
Industry increase observed when combining secure storage with automated account updates for recurring billing cycles, particularly in the UK and EEA markets.
Average additional round-trip time for tokenisation during the checkout process, ensuring security does not impede the customer experience.
相關術語
Talk to our team about a live rollout on your acquiring stack.
What you get with 安全卡片儲存
- 所有敏感卡片數據的代幣化
- PCI DSS 1 級認證基礎設施
- 所有支付信息的靜態和傳輸加密
- 用於循環計費和一鍵購買的安全保管
- 對儲存卡片數據的精細訪問控制
- 自動數據保留和清除策略
- Granular role-based access controls ensuring only authorised systems interact with the secure vault.
- Automated data retention and purging policies to comply with global data privacy regulations.
- Full support for 3D Secure 2.0 and Strong Customer Authentication when capturing initial credentials.
- Comprehensive audit logs and monitoring for all token creation and de-tokenisation requests.
A short scoping call, then a written plan for your MIDs.
Questions about 安全卡片儲存
Cardflo 如何保護客戶卡片數據？
Cardflo 通過先進的代幣化和加密技術保護客戶卡片數據。 敏感卡號碼被轉換成獨特的、非敏感的代幣，然後用於交易。
實際卡片數據儲存在 PCI DSS 1 級認證的保管庫中，確保防止洩露。
我可以用儲存的卡片進行循環支付嗎？
是的，Cardflo 的安全卡片儲存專為促進循環支付和訂閱模式而設計。 一旦卡片被代幣化和儲存，商戶可以發起後續交易，而無需客戶重新輸入其詳細資料，從而提高轉化率和客戶體驗。
Cardflo 在卡片儲存方面符合哪些合規標準？
Cardflo 在卡片儲存方面遵守最高的行業合規標準，包括 PCI DSS 1 級認證。 這確保所有儲存的卡片數據都按照嚴格的安全協議處理，保護商戶和客戶免受數據洩露。
How is the security of the encryption keys managed within the vault?
Encryption keys are managed according to industry best practices, typically involving a Hardware Security Module (HSM). This is a physical device that safeguards and manages digital keys for strong authentication and provides crypto-processing.
Keys are rotated on a defined schedule to minimise the impact of a hypothetical compromise. Access to these keys is strictly restricted using a 'least privilege' model and is protected by multi-factor authentication.
This ensure that even if a database was accessed, the encrypted data would remain unreadable without the protected keys.
Can we migrate our stored cards to another provider if we change our payment stack?
Data portability is a key consideration for secure storage. While the data is locked in a secure vault, reputable providers facilitate secure data migrations.
This usually involves a secure transfer from one PCI Level 1 provider to another via an encrypted SFTP or similar protocol. This process ensures the merchant is not 'locked in' to a single provider while maintaining compliance throughout the transfer.
Such migrations require coordination between the security and compliance teams of both the departing and receiving organisations.
How does the vaulting system handle Strong Customer Authentication (SCA)?
When a card is first vaulted (a Cardholder Initiated Transaction or CIT), the system must support 3D Secure protocols to authenticate the user and comply with SCA mandates under PSD2.
Once the card is securely stored and the initial transaction is authenticated, subsequent payments are typically flagged as Merchant Initiated Transactions (MIT).
These recurring transactions can often be exempted from SCA provided the initial agreement (mandate) was correctly established and the merchant includes the appropriate transaction indicators in the authorisation request sent to the issuer.