Could you expand on how you are storing the keys?
Is there only one key for all of the the users?
If you create a new key each time a user submits a CC# then you can store the key in the final submit form in a hidden field. Now you can only decypt the CC# that is in the database when the final form is submitted.
As for the database entry I would have an order AND a cancel button on the web page, so that the user can delete the CC# from the database if they want. You should also expire (delete) the CC# in the database after some (relativly short) amount of time.
A picture is worth a thousand words, but takes 200K.
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