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Table of Contents

Lead Story

Transportation payments in transition


Industry Update

Financial reform bill passes Senate, interchange targeted

Why won't Apple take cash for iPads?

PCI SSC unveils new PTS requirements

Trade Association News

Selling Prepaid

Prepaid in brief

Prepaid's role in monetizing social media

A new benefits option for Floridians


The drive to innovate

Scott Henry
VeriFone Inc.

Canada: An untapped marketplace

Jeffrey Shavitz
Charge Card Systems Inc.


Street SmartsSM:
What does a merchant get for a PCI fee? - Part 1

Ken Musante
Eureka Payments LLC

The art of cross-marketing: How to maximize existing client relationships and boost sales

Peggy Bekavac Olson
Strategic Marketing

Consult your way to success

Tom Hennigan
Retail Cloud

Digging into PCI - Part 12: Maintain a policy that addresses information security for employees and contractors

Tim Cranny
Panoptic Security Inc.

A primer on accountability

Jeff Fortney
Clearent LLC

How to use technology to redefine today's economy

Daniel Burrus
Burrus Research Associates Inc.

Company Profile

NETSURION (formerly Vendor Safe Technologies)

New Products

Skimming alert system

VeriFone PED Authentication Service
Verifone Inc.

End-to-end bulwark

E3 Secure
Heartland Payment Systems Inc.


Change - it never changes



Resource Guide


A Bigger Thing

The Green Sheet Online Edition

June 14, 2010  •  Issue 10:06:01

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New Products

End-to-end bulwark

Product: E3 Secure

When it was revealed, in early 2009, that Heartland Payment Systems Inc. had suffered a major data breach, the future of the processing giant was very much in question. But the breach prompted Heartland to take a leading role in revamping the payments industry's data security approach.

Heartland co-founder and Chief Executive Officer Robert O. Carr helped steer the formation of the Payments Processing Information Sharing Council, a forum for exchanging ideas in the fight against data theft. Carr also led the charge in Heartland's development of E3 Secure, Heartland's end-to-end encryption network for card accepting merchants, which was launched commercially in May 2010.

Advanced encryption and automated encryption key changes

The technology is designed to encrypt card information from the moment it enters a merchant's POS system (when it is swiped) up through its delivery to the payment processor to which the merchant is connected. The encryption employed, known as the Advanced Encryption Standard, is reputedly among the most sophisticated encryption formulas in use today.

"Centuries ago, cities across the world gave up on trying to protect themselves by making walls higher and thicker and more distant with motes," Carr said. "The enemy was always finding new ways to destroy the walls or circumvent the security efforts with Trojan horse attacks. We believe it is important to make card data indiscernible as it enters the payment cycle so, if the firewalls are too weak, the enemy gains nothing of commercial value. We believe this is the enhanced security method the payment industry requires in today's world."

The E3 features a layering of software and tamper resistant hardware that's designed to prevent skimming and other rogue modifications. The E3 also automatically changes the network's encryption keys at regular intervals. Heartland has pledged that merchants who use E3 Secure are insured against all breach related fines in the event that the network's security bulwark is thwarted by a hacker.

Heartland Payment Systems Inc.

Notice to readers: These are archived articles. Contact names or information may be out of date. We regret any inconvenience.

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Spotlight Innovators:

North American Bancard | Simpay | USAePay | Impact Paysystems | Board Studios