Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the establishing of a virtual terminal for touchless transfer of data, encryption of the data, and rewrapping the data in a way to protect the personal information of a user on the device and in transfer, while still providing the information to a server for further processing.

Abstract: A method may include receiving, by a first computing system and from a second computing system, an encrypted first key encrypted with a first public-private key pair. The encrypted first key may include a hash of at least a portion of sensitive data. The method may include decrypting, by the first computing system, the encrypted first key using a private key of the first public-private key pair to access a first key. The method may include validating, by the first computing system, the first key. The method may include re-encrypting, by the first computing system, the first key using a symmetric key to generate a re-encrypted key. The method may include transmitting, by the first computing system, the re-encrypted key to the second computing system such that the sensitive data may be decrypted.

Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the use of a virtual terminal for transfer of data, encryption of the data, and rewrapping the data. A virtual terminal receives virtual terminal kernel configuration data, configuring the terminal with a first public encryption key. The virtual terminal generates a second encryption key only known by the virtual terminal. The virtual terminal encrypts the second encryption key with the first public encryption key. The second encryption key is used to encrypt data for data transfer. The virtual terminal is associated with a secure element of a device that is outside the normal processor of the device. The secure element is designed for encryption.

Abstract: A method may include receiving, by an application executed on a user device, sensitive data associated with one or more data exchanges. The method may include generating, by a background application executed on the user device, validation data. The method may include retrieving, by the application executed on the user device, the validation data from the background application. The method may include transmitting, by the application executed on the user device, the validation data, and the sensitive data to a first computing system. The method may include receiving, by a second computing system, the validation data from the first computing system. The method may include generating, by the second computing system, the token, digitally signed by the second computing system. The method may include transmitting, by the second computing system, the token to the first computing system. The method may include receiving the token from the first computing system.

Abstract: A method may include receiving, by an application executed on a user device, sensitive data associated with one or more data exchanges. The method may include generating, by a background application executed on the user device, validation data. The method may include retrieving, by the application executed on the user device, the validation data from the background application. The method may include transmitting, by the application executed on the user device, the validation data, and the sensitive data to a first computing system. The method may include receiving, by a second computing system, the validation data from the first computing system. The method may include generating, by the second computing system, the token, digitally signed by the second computing system. The method may include transmitting, by the second computing system, the token to the first computing system. The method may include receiving the token from the first computing system.

Abstract: A method may include receiving, by a first computing system and from a second computing system, an encrypted first key encrypted with a first public-private key pair. The encrypted first key may include a hash of at least a portion of sensitive data. The method may include decrypting, by the first computing system, the encrypted first key using a private key of the first public-private key pair to access a first key. The method may include validating, by the first computing system, the first key. The method may include re-encrypting, by the first computing system, the first key using a symmetric key to generate a re-encrypted key. The method may include transmitting, by the first computing system, the re-encrypted key to the second computing system such that the sensitive data may be decrypted.

Abstract: A method may include receiving, by a first computing system and from a second computing system, an encrypted first key encrypted with a first public-private key pair. The encrypted first key may include a hash of at least a portion of sensitive data. The method May include decrypting, by the first computing system, the encrypted first key using a private key of the first public-private key pair to access a first key. The method may include validating, by the first computing system, the first key. The method may include re-encrypting, by the first computing system, the first key using a symmetric key to generate a re-encrypted key. The method may include transmitting, by the first computing system, the re-encrypted key to the second computing system such that the sensitive data may be decrypted.

Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the configuring of a virtual terminal for transfer of data, encryption of the data, and rewrapping the data. A server transmits virtual terminal kernel configuration data to the virtual terminal, configuring the terminal with a first public encryption key used to encrypt a second encryption key only known by the terminal. The second encryption key is used to encrypt data for data transfer. The server device is able to decrypt the second encryption key by using a third private encryption key that corresponds to the first public encryption key.

Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the use of a virtual terminal for transfer of data, encryption of the data, and rewrapping the data. A virtual terminal receives virtual terminal kernel configuration data, configuring the terminal with a first public encryption key. The virtual terminal generates a second encryption key only known by the virtual terminal. The virtual terminal encrypts the second encryption key with the first public encryption key. The second encryption key is used to encrypt data for data transfer. The virtual terminal is associated with a secure element of a device that is outside the normal processor of the device. The secure element is designed for encryption.

Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the configuring of a virtual terminal for transfer of data, encryption of the data, and rewrapping the data. A server transmits virtual terminal kernel configuration data to the virtual terminal, configuring the terminal with a first public encryption key used to encrypt a second encryption key only known by the terminal. The second encryption key is used to encrypt data for data transfer. The server device is able to decrypt the second encryption key by using a third private encryption key that corresponds to the first public encryption key.

Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the establishing of a virtual terminal for touchless transfer of data, encryption of the data, and rewrapping the data in a way to protect the personal information of a user on the device and in transfer, while still providing the information to a server for further processing.

Abstract: Techniques for using a virtual terminal on a device to process a data transfer are described herein. These techniques provide the use of a virtual terminal for transfer of data, encryption of the data, and rewrapping the data. A virtual terminal receives virtual terminal kernel configuration data, configuring the terminal with a first public encryption key. The virtual terminal generates a second encryption key only known by the virtual terminal. The virtual terminal encrypts the second encryption key with the first public encryption key. The second encryption key is used to encrypt data for data transfer. The virtual terminal is associated with a secure element of a device that is outside the normal processor of the device. The secure element is designed for encryption.