Abstract: Systems and methods for performing financial transactions are provided. In one embodiment, the invention provides for method for bank card transactions, including: reading the token information at the point of swipe for traditional and non-traditional POS platforms; performing a low-security task on the token information using a first microprocessor, wherein the non-security task includes one or more tasks from the group of encryption determination, encryption-decryption request, key management, token information delivery, or transactional data delivery; and performing a security-related task on the token information using a second microprocessor based on a request from the first microprocessor, wherein the security-related task includes one or more tasks from the group of token information authentication, token information decryption, or token information encryption. Formatting the encrypted information such that it is compatible with the format of the current POS system.

Abstract: Systems and methods for enciphering data are provided. In one embodiment, information is enciphered using a variable block length cipher that returns the encrypted symbol set in any defined symbol set with a radix greater than or equal to the plaintext format. The cipher can be based on DES, AES or other block ciphers. In one example implementation a method for enciphering token information the invention provides for enciphering token information by constructing a tweak of a defined length using token information; converting the tweak to a bit string of a defined size to form a first parameter; converting a number of digits of plaintext to a byte string of a defined size to form a second parameter, wherein the number of digits converted varies; defining a data encryption standard key; applying the data encryption standard key to the first and second parameters; computing a specified number of encryption rounds; and receiving enciphered token information.

Abstract: 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.