The document discusses end-to-end encryption as a proposed solution following the 2008-2009 Heartland Payment Systems data breach that compromised over 100 million credit and debit cards. It provides an overview of the traditional credit card transaction process, Heartland's approach to implementing end-to-end encryption involving encrypting data at terminals using AES encryption and tokenization, and challenges with fully implementing end-to-end encryption across the entire transaction process. It also discusses other companies' approaches and the limitations of smartcards and encryption.

1. END TO END ENCRYPTION Heartland’s Silver Lining?

5. The Credit Debit Process

6. The Credit Debit Process

7. The Credit Debit Process Loyalty Programs

8. The Credit Debit Process Loyalty Programs