Patent ID: 8769275

Claim:
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.