Patent ID: 8083134

Claim:
A computerized method comprising: receiving level three data concerning a transaction into a point-of-sale device; receiving a card number of a card being used to conduct said transaction into the point-of-sale device; receiving a personal identification number (PIN) associated with said card into the point-of-sale device; combining transaction information in the point-of-sale device including said level three data, said card number, a merchant identifier, a store identifier, and a point-of-sale device identifier into an encrypted authorization request including encrypting said level three data with said PIN as an encryption key, yielding a first encrypted object and appending said card number to said first encrypted object, and encrypting said appended card number and first encrypted object with a merchant password as an encryption key, yielding a second encrypted object; and transmitting said encrypted authorization request via an open network to a remote computing system for authorization of the transaction.