Fixed a few things: -PB

Fixed a few things: -PB
1. Fixed a nasty bug that would clear the payinfo if the private key was not available.
2. Set the default module for encrypt/decrypt to be Crypt::OpenSSL::RSA.
3. Added a die and error message so that it doesn't just pass around plaintext if the encryption engine is broken or missing.
4. Added code so that the masked payinfo is handled correctly in the case that it is blank and it cannot be generated (encrypted payinfo)