Patent ID: 8595508

Claim:
A method of encrypting plaintext information securely in a credit card, the method comprising: selecting, from a server/database record, a plaintext P based on user information when a user applies for an account; generating, by the server/database record a first key, a second key and a controllable plaintext stream according to requirements of the user and/or a company providing the credit card; using, by the server/database record, the plaintext P, the first key, the second key, and the controllable plaintext stream to provide a secure encryption scheme to perform encryption to produce a ciphertext C; sending the first key to a cardholder; inserting the ciphertext C into the credit card and sending the credit card to the cardholder; inserting the plaintext P, the second key, and the controllable plaintext stream into a cardholder database record; decrypting the ciphertext C using the first key, the second key, and the controllable plaintext stream to produce a decrypted plaintext; comparing the decrypted plaintext to the plaintext P; authorizing a transaction of the user if the decrypted plaintext is equal to the plaintext P; denying the transaction of the user if the decrypted plaintext is not equal to the plaintext P and reporting that the card may have been duplicated; generating a new controllable plaintext stream and storing the new controllable plaintext stream into the cardholder database record; encrypting the plaintext P using the new controllable plaintext stream, the first key, and the second key to produce a new ciphertext C; and inserting the new ciphertext C into the credit card.