Abstract: Systems and methods for updating a transactional device having a reader is provided. In one embodiment, the method includes: reading data on a command token, wherein the data is stored in a memory device; identifying the token as a command token based on the data; generating transaction data that include an instruction based on the token data and a code identifying the instruction as a command data; and transmitting the transaction data to a remote device for command execution.

Abstract: Systems and methods for performing token transactions are provided. In one embodiment, the invention provides for processing token transactions, including receiving an encrypted password for a debit card transaction, wherein the password was secured using encrypted debit-card information, decrypting the password using encrypted debit-card information for the debit card, recreating the password using actual debit-card information for the debit card, and forwarding the recreated password for subsequent transaction processing. The invention is suitable for implementation with other types of tokens in addition to debit-card tokens as well. The invention can be implemented in a scenario where the password includes a PIN block that is created by combining a clear or encrypted PIN for the token with token information.

Abstract: Systems and methods for performing a secure transaction provided. In one embodiment, the method for encrypting data is provided, comprising: selecting clear text data; selecting a symbol set corresponding to the clear text data; encrypting the clear text data using a key, the encrypting comprising the operations of: defining a first portion and a second portion of the clear text data, encrypting the second portion using the key to generate an encryption mask, and encrypting the clear text data by applying the encryption mask to the first portion using a modulus operation while preserving the second portion as unencrypted, thereby resulting in encrypted data comprising an encrypted first portion and an unencrypted second portion; and wherein the encrypted data has the same format as the clear text data, has the same length as the clear text data, and uses the symbol set of the clear text data.

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.

Abstract: Systems and methods for performing a secure transaction provided. In one embodiment, the method includes: reading data on a command token, reading data on a token; encrypting the token data with a key; encrypting an authentication data with a clear text token data; and transmitting the encrypted authentication data with the encrypted token data to a remote device.

Abstract: Systems and methods for performing a secure transaction provided. In one embodiment, the method for encrypting data is provided, comprising: selecting clear text data; selecting a symbol set corresponding to the clear text data; encrypting the clear text data using a key, the encrypting comprising the operations of: defining a first portion and a second portion of the clear text data, encrypting the second portion using the key to generate an encryption mask, and encrypting the clear text data by applying the encryption mask to the first portion using a modulus operation while preserving the second portion as unencrypted, thereby resulting in encrypted data comprising an encrypted first portion and an unencrypted second portion; and wherein the encrypted data has the same format as the clear text data, has the same length as the clear text data, and uses the symbol set of the clear text data.

Abstract: Systems and methods for performing a secure transaction provided. In one embodiment, the method includes: reading data on a command token, reading data on a token; encrypting the token data with a key; encrypting an authentication data with a clear text token data; and transmitting the encrypted authentication data with the encrypted token data to a remote device.

Abstract: Systems and methods for updating a transactional device having a reader is provided. In one embodiment, the method includes: reading data on a command token, wherein the data is stored in a memory device; identifying the token as a command token based on the data; generating transaction data that include an instruction based on the token data and a code identifying the instruction as a command data; and transmitting the transaction data to a remote device for command execution.

Abstract: Systems and methods for performing token transactions are provided. In one embodiment, the invention provides for processing token transactions, including receiving an encrypted password for a debit card transaction, wherein the password was secured using encrypted debit-card information, decrypting the password using encrypted debit-card information for the debit card, recreating the password using actual debit-card information for the debit card, and forwarding the recreated password for subsequent transaction processing. The invention is suitable for implementation with other types of tokens in addition to debit-card tokens as well. The invention can be implemented in a scenario where the password includes a PIN block that is created by combining a clear or encrypted PIN for the token with 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.