I have a checkout process for a shopping cart that is currently storing credit card data in the session for retrieval once the user finalizes the purchase. The purchase process
What country is this based in and what credit card companies are involved? The entire approach of actually sending full credit card numbers back to the client (in whatever form) makes this sound like you have not dealt with professional credit card handling (please don't take that as an insult).
Is your client willing to run afoul of Visa/MasterCard/AMC/Discover's collective rules for online credit card processing (PCI DSS)? Your client could end being barred by the major credit card companies from doing transactions with them. In general it is a very bad idea to try rolling your own online credit card handling solution - it's worse then rolling your own cryptographic algorithm, as there can be serious fines applied to your client (fine print in their merchant agreement). A true PCI DSS solution requires tens of thousands of dollars in certifications and audits to ensure it handles credit card data in a truly secure fashion - this is why almost everyone uses an existing online processor.