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Point to Point Encryption
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Point to Point Encryption : ウィキペディア英語版
Point to Point Encryption

Maximizing security for credit card information in an increasingly complex regulatory environment is a critical challenge for merchants today. Point-to-point encryption (P2PE), which differs from end-to-end encryption, is a payment security solution that instantaneously converts confidential credit card data and information into indecipherable code at the swipe of the card to prevent hacking and fraud.
== How It Works ==

After a credit card is swiped through a P2PE PCI certified card reading device at the merchant location or point of sale, the device immediately encrypts the card information. The PCI certified device uses an algorithmic calculation to encrypt the confidential credit card data in a tamper resistant module, known as the Point of interaction(POI). From the POI, the encrypted, indecipherable codes are sent to the payment gateway or processor for decryption. The keys for encryption and decryption are never available to the merchant, making card data entirely invisible to the retailer. Once the encrypted codes are within the secure data zone of the payment processor, the codes are decrypted to the original card numbers and then passed to the bank for reading and authorization. The bank either passes or rejects the transaction, depending upon the card holders credit account. The merchant is then notified if the payment is accepted or rejected to complete the process. This process, from the encryption at the point of interaction to decryption at the P2PE solution provider's location, occurs under the span of one second.

抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)
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