Check out futurepay from worldpay. The basic flow is:

Customer buys something. Goes to the PSP like any other shop, however
you tell the PSP this is *futurepay* agreement and the card details are
stored. Next time the customer buys something, you just use a callback
to Worldpay with the customer's FuturePay agreement ID, and they're
billed. All this is explained on WP's pages, or you can talk to a
representative who will be more than happy to convince you that FP is
what you need ;-)

I'm vaguely aware that a similar service is provided by SecPay and
PayPal, but I've never personally integrated it.

-Rob

PS. You'd give a private key to a *client* ?! What are you thinking!!!
You just know he's going to intricately print it onto a post-it note and
stick it on his monitor :-P

citizenkahn wrote:
> Actually, I'm a little confused.  Clearly the storage of this kind of
> personal information is a bad thing.  The workflow should either
> eliminate it at best or minimize it/protect it at worst.  In this
> situation, the order placement and order processing will be shifted in
> time because order fulfillment will be a manual task.  In this work
> flow the card number must be kept somewhere between the time of receipt
> and processing.  I assume that PSPs allow for this kind of time
> shifting of processing and store the number in a protected fashion.
> 
> If they do not, I cannot find an all-in-one processor for real store
> and online store together or I cannot convince my store-owner that such
> a thing is the right solution can someone explain why the following is
> so dangerous:
> 
> With public/private key encryption the public key is necessary for the
> encryption and decryption requires the private key.  If I force the
> store owner to authenticate once on to the store's admin interface
> connecting via SSL I should be able to be assured that the all data
> passed on the connection is protected.  Therefore, if I then require
> that the owner provide the private key in order to process each
> transaction and the private key is never stored on the server, then
> isn't all server based data encrypted with the public key safe?
> Further more, once the order has been processed I could void out all
> but the last 4 digits.
> 
> In this way wouldn't I be limiting the lifecycle for this data and
> protecting it while it does exist?  Wouldn't this be similar to the
> method of the PSPs?
> 
> That being said, the choice of who protects the date a PSP with a
> security staff or me would favor the PSP so this is somewhat academic.
> 
> 
> 

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