Batch settlement transactions system and method

摘要

Systems and methods for performing settlement of token access transactions are provided. In one embodiment, the invention provides for batch processing bank card transactions, including receiving transaction records for a plurality of bank card transactions, wherein at least some of the transaction records include encrypted token information; determining whether the transaction records contain encrypted token information; decrypting the encrypted token information for a transaction record that is determined to have encrypted token information; and providing clear text token information obtained by decrypting the encrypted token information for a transaction record for transaction settlement.

主权项

1. A method operating on a computing system for batch processing bank card transactions, comprising:
receiving a transaction batch over a bank card transaction processing network that processes unencrypted transaction records, the transaction batch comprising a plurality of transaction records for a plurality of bank card transactions, the transaction records including token information comprising a primary account number of a bank card and a transaction amount; wherein the transaction records within the transaction batch include encrypted transaction records that comprise encrypted token information and unencrypted transaction records within the transaction batch that comprise unencrypted token information and do not include encrypted token information, and further wherein the encrypted transaction records that comprise encrypted token information are in the same format as the unencrypted transaction; examining, by a computing device, transaction records in the transaction batch to determine which transaction records within the transaction batch are encrypted transaction records including encrypted token information, and which transaction records within the transaction batch are unencrypted transaction records; decrypting, by the computing device, the encrypted token information for transaction records that are determined to include encrypted token information, thereby obtaining clear text token information from the encrypted transaction records; and providing the clear text token information for transaction settlement.