Browse through our library, search by title or filter by topic.

ExpertRPS Offers Data Encryption

Data encryption capabilities have been added to ExpertRPS for remittance processing. Although these features were originally developed to support PCI compliance, they can be used in non-PCI environments to provide enhanced data security. Data encryption refers to schemes that transform data into a form that is not readable to unauthorized parties. When necessary, ExpertRPS decrypts the data, transforming it back to its original form.

PCI standards require Credit Card Holder Personal Account Numbers (PAN) be stored in an encrypted format. Since the document images captured by ExpertRPS may include a PAN, it is therefore necessary to encrypt all of the images in a customer environment that is processing Credit Card payments. When processing Credit Card transactions, specific data fields within the transactions are encrypted automatically. Additional data fields, whether extracted from images or entered by an operator, may also be encrypted. Full Credit Card data is never transferred to the archive system. Only non-encrypted truncated data is archived.

Encryption of data is enabled at a system level to ensure that all data is processed in a PCI compliant manner and therefore cannot be enabled or disabled for specific transactions, workflows or lockboxes. ExpertRPS uses the AES (Advanced Encryption Standard) 256 encryption algorithm. The encryption/decryption process does not degrade system performance.

Filter by Topic(select one)

  • ACH Payments

    Who manages the ACH Network? What is same-day ACH and is it mandatory?...

  • Check Imaging

    Are checks going away in the US? What are other countries doing with paper checks?...

  • Receivables

    What are the current trends with consumer bill payments?  How will the USPS changes affect us?...

  • Risk Management

    Is payments fraud on the rise? Where are the highest risks and what can we do?...

  • Payments Infrastructure

    What are the latest scanner introductions? Is a Virtual Environment right for me?...