Patent ID: 9424573
Filing Date: 2016-08-23
CPC Classification: G06F,G06Q,H04L

Claim Text:
1. A method of batch processing encrypted bank card transactions, the method comprising: receiving, at a gateway, transaction batch data from a point of sale terminal over the transaction processing network, the transaction batch data comprising a plurality of bank card transaction records for a plurality of bank card transactions, wherein the bank card transaction records within the transaction batch data include encrypted bank card transaction records that comprise encrypted token information and unencrypted bank card transaction records that comprise unencrypted token information and do not include encrypted token information wherein each of the plurality of bank card transaction records comprises a primary account number of a bank card and a transaction amount, and wherein the encrypted token information is encrypted, using a unique key associated with a merchant, by the point of sale terminal or a data capture device in communicative contact with the point of sale terminal; determining which of the plurality of bank card transaction records within the transaction batch data are encrypted bank card transaction records including encrypted token information, and which of the plurality of bank card transaction records within the transaction batch data are unencrypted bank card transaction records; in response to the determination that one or more of the plurality of bank card transaction records are encrypted bank card transaction records including encrypted token information, determining a correct decryption key for each of the encrypted bank card transaction records based on an identification of the point of sale terminal that the transaction batch data was received from or based on an identification of the merchant associated with the point of sale terminal; and decrypting, using the correct encryption key, the encrypted token information for each of the bank card transaction records that are determined to include encrypted token information, thereby obtaining clear text token information for each of the encrypted bank card transaction records.