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CHAPTER 16. CHASE PAYMENTECH SOLUTIONS
DIRECT/SALEM
Table 16.8: Chase Paymentech Salem - Third-Party Encrypted Electronic Checks
Auth
Deposit
Sale
Refund
Routing Number
Routing Number
Routing Number
Routing Number
Encryption Flag
Encryption Flag
Encryption Flag
Encryption Flag
BillAddress:
First Name
BillAddress:
First Name
BillAddress:
First Name
Bill Address
First Name
BillAddress:
Last Name
BillAddress:
Last Name
BillAddress:
Last Name
Bill Address
Last Name
Third-party encrypted checking account values are a secure
way for banks to provide account information to call centers without revealing a customer’s checking account number.
A bank provides these numbers, along with customer contact information. The account value is encrypted using a Public/Private Key algorithm. The bank maintains the key for encrypting the account, and Paymentech maintains the key for decrypting only. The merchant is unable to decrypt the account.
Encrypted check transactions require the same information as
normal check transactions with the addition of an ENCRYPTION
FLAG. This ENCRYPTION FLAG is provided by Paymentech and is
specific to the bank (or other entity) supplying the account numbers.
Transactions that contain the minimum information plus a
ROUTING NUMBER and ENCRYPTION FLAG are automatically identified as “encrypted electronic check” transactions.
The encrypted checking account value is sent in the ACCOUNT
field, just as it is with unencrypted check transactions.