http://blogs.gartner.com/john_pescatore/2009/08/12/a-token-effort-might-be-the-right-approach/ A member of the Gartner Blog Network Sat, 04 Feb 2012 17:10:54 +0000 hourly 1 http://wordpress.org/?v=3.0.4 http://blogs.gartner.com/john_pescatore/2009/08/12/a-token-effort-might-be-the-right-approach/comment-page-1/#comment-1438 Chuck Riegel Wed, 23 Sep 2009 16:37:12 +0000 http://blogs.gartner.com/john_pescatore/?p=778#comment-1438 Great brief - lot's of confusion. Most payment gateways have had Token capabilities for some time. The Token really has an impact on certian types of transactions - Auth/Capture, repeat customers, recurring and subscriptions are the main transaction used where data needs to be stored somewhere for follow on activity. One issue is that the data from the POS is in the clear as the Token is created so encryption at the swipe is needed. Reduce cost of PCI - absoutely, protecting access to useable card data - only part of what is needed. Great brief – lot’s of confusion. Most payment gateways have had Token capabilities for some time. The Token really has an impact on certian types of transactions – Auth/Capture, repeat customers, recurring and subscriptions are the main transaction used where data needs to be stored somewhere for follow on activity. One issue is that the data from the POS is in the clear as the Token is created so encryption at the swipe is needed. Reduce cost of PCI – absoutely, protecting access to useable card data – only part of what is needed.

]]>