Systems and methods for encryption and decryption service for electronic transaction monitoring and reporting
A method for electronic transaction monitoring and reporting includes: determining whether the received transaction request is encrypted, upon determining that the received transaction request is not encrypted, sending a failure alert to the merchant, determining a receiving acquirer processor for the transaction request, and transmitting the transaction request to the determined acquirer processor.
1 . A computer-implemented method for validating encryption of electronic transactions using a decryption service system, the method comprising:
receiving, by one or more processors, a plurality of transaction requests from one or more point-of-sale (POS) devices;
determining, by the one or more processors, that a first transaction request of the plurality of transaction requests is one of clear data or corrupted;
in response to determining that the first transaction request is one of clear data or corrupted, transmitting, by the one or more processors, a failure alert to the one or more POS devices, the failure alert associated with the first transaction request and including a number of point-to-point encryption failures, each point-to-point encryption failure of the number of point-to-point encryption failures categorized by one of malformed message received, clear data received, or invalid card;
determining, by the one or more processors, that a second transaction request of the plurality of transaction requests is encrypted;
in response to determining that the second transaction request is encrypted, decrypting, by the one or more processors, the second transaction request;
determining, by the one or more processors, a recipient acquirer processor for payment authorization using decrypted data of the second transaction request;
re-encrypting, by the one or more processors, the second transaction request using an encryption key associated with the decryption service system;
receiving, by the one or more processors, an encrypted result for the second transaction request from the recipient acquirer processor; and
transmitting, by the one or more processors, the encrypted result for the second transaction request to the one or more POS devices.
2 . The computer-implemented method of claim 1 , wherein the failure alert is transmitted to a reporting portal.
3 . The computer-implemented method of claim 1 , further comprising:
assigning, by the one or more processors, a level of severity to the first transaction request based on one or more aspects of the failure alert, wherein the level of severity is higher for transaction requests associated with one of category clear data or category corrupted; and
determining, by the one or more processors, a reporting frequency for the failure alert based on the assigned level of severity.
4 . The computer-implemented method of claim 1 , wherein a failure alert report is reported to the one or more POS devices based on a scheduled basis or upon an accumulation of a pre-determined number of failure alerts of a pre-determined severity level.
5 . The computer-implemented method of claim 4 , further comprising:
generating, by the one or more processors, a presentation of a dashboard in a user interface of a device associated with the user for viewing the failure report, wherein the dashboard includes search criterion, search values, date ranges, and failure codes for searching a database for detailed information on point-to-point encryption (P2PE) failures.
6 . The computer-implemented method of claim 1 , wherein a corrupted transaction request indicates a mismatch between the encryption key and a registered decryption key associated with a user.
7 . The computer-implemented method of claim 1 , wherein a corrupted transaction request indicates a failure in decrypting a transaction request due to one of an error in the transaction request or an internal processing error within the decryption service system.
8 . A decryption service system for validating encryption of electronic transactions comprising:
one or more processors; and
at least one non-transitory computer readable medium storing instructions which, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
receiving, by one or more processors, a plurality of transaction requests from one or more point-of-sale (POS) devices;
determining, by the one or more processors, that a first transaction request of the plurality of transaction requests is one of clear data or corrupted;
in response to determining that the first transaction request is one of clear data or corrupted, transmitting, by the one or more processors, a failure alert to the one or more POS devices, the failure alert associated with the first transaction request and including a number of point-to-point encryption failures, each point-to-point encryption failure of the number of point-to-point encryption failures categorized by one of malformed message received, clear data received, or invalid card;
determining, by the one or more processors, that a second transaction request of the plurality of transaction requests is encrypted;
in response to determining that the second transaction request is encrypted, decrypting, by the one or more processors, the second transaction request;
determining, by the one or more processors, a recipient acquirer processor for payment authorization using decrypted data of the second transaction request;
re-encrypting, by the one or more processors, the second transaction request using an encryption key associated with the decryption service system;
receiving, by the one or more processors, an encrypted result for the second transaction request from the recipient acquirer processor; and
transmitting, by the one or more processors, the encrypted result for the second transaction request to the one or more POS devices.
9 . The decryption service system of claim 8 , wherein the failure alert is transmitted to a reporting portal.
10 . The decryption service system of claim 8 , the operations further comprising:
assigning, by the one or more processors, a level of severity to the first transaction request based on one or more aspects of the failure alert, wherein the level of severity is higher for transaction requests associated with one of category clear data or category corrupted; and
determining, by the one or more processors, a reporting frequency for the failure alert based on the assigned level of severity.
11 . The decryption service system of claim 8 , wherein a failure alert report is reported to the one or more POS devices based on a scheduled basis or upon an accumulation of a pre-determined number of failure alerts of a pre-determined severity level.
12 . The decryption service system of claim 8 , wherein a corrupted transaction request indicates a mismatch between the encryption key and a registered decryption key associated with a user.
13 . The decryption service system of claim 8 , wherein the corrupted transaction request indicates a failure in decrypting the corrupted transaction request due to an error in the corrupted transaction request or an internal processing error within the decryption service system.
14 . A non-transitory computer readable medium for validating encryption of electronic transactions using a decryption service system, the non-transitory computer readable medium storing instructions which, when executed by one or more processors, cause the one or more processors to perform operations comprising:
receiving, by one or more processors, a plurality of transaction requests from one or more point-of-sale (POS) devices;
determining, by the one or more processors, that a first transaction request of the plurality of transaction requests is one of clear data or corrupted;
in response to determining that the first transaction request is one of clear data or corrupted, transmitting, by the one or more processors, a failure alert to the one or more POS devices, the failure alert associated with the first transaction request and including a number of point-to-point encryption failures, each point-to-point encryption failure of the number of point-to-point encryption failures categorized by one of malformed message received, clear data received, or invalid card;
determining, by the one or more processors, that a second transaction request of the plurality of transaction requests is encrypted;
in response to determining that the second transaction request is encrypted, decrypting, by the one or more processors, the second transaction request;
determining, by the one or more processors, a recipient acquirer processor for payment authorization using decrypted data of the second transaction request;
re-encrypting, by the one or more processors, the second transaction request using an encryption key associated with the decryption service system;
receiving, by the one or more processors, an encrypted result for the second transaction request from the recipient acquirer processor; and
transmitting, by the one or more processors, the encrypted result for the second transaction request to the one or more POS devices.
15 . The non-transitory computer readable medium of claim 14 , wherein the failure alert is transmitted to a reporting portal.
16 . The non-transitory computer readable medium of claim 14 , further comprising:
assigning, by the one or more processors, a level of severity to the first transaction request based on one or more aspects of the failure alert, wherein the level of severity is higher for transaction requests associated with one of category clear data or category corrupted; and
determining, by the one or more processors, a reporting frequency for the failure alert based on the assigned level of severity.
17 . The non-transitory computer readable medium of claim 14 , wherein a corrupted transaction request indicates a mismatch between the encryption key and a registered decryption key associated with a user, or indicates a failure in decrypting the corrupted transaction request due to an error in the corrupted transaction request or an internal processing error within the decryption service system.