This article appears in the Aug. 27, 2009, edition of ISO&Agent Weekly. As card-security breaches continue to hamper the payments industry, the parties involved in the transaction process are ...

A formula used to turn ordinary data, or "plaintext," into a secret coded message known as "ciphertext." The ciphertext can reside in storage or travel over unsecure networks without its contents ...

Encrypting data before storing on third-party servers. Also called "zero-knowledge encryption," zero-access encryption ensures that a user's data stored on OneDrive, Google Drive or other cloud ...