公开(公告)号：EP2369526A1

公开(公告)日：2011-09-28

申请号：EP11159213.5

申请日：2011-03-22

申请人： Pochic, Sebastien ,  Maidment, Barry Alan ,  Collinge, Mehdi ,  Ates, Fikret

发明人： Pochic, Sebastien ,  Maidment, Barry Alan ,  Collinge, Mehdi ,  Ates, Fikret

IPC分类号： G06K19/07 ,  G07F7/10 ,  G06Q20/00 ,  G06Q30/00

CPC分类号： G06Q20/1085 ,  G06K19/07 ,  G06Q20/08 ,  G06Q20/105 ,  G06Q20/327 ,  G06Q20/3433 ,  G06Q20/409 ,  G06Q30/06 ,  G07F7/0806 ,  G07F7/1008 ,  G07F7/122

摘要： A transaction processing system for sending user information data to a personal device, and an associated method are provided. The system comprises: a personal device, such as a balance display card; an interface device, such as a card reader for transmitting data to and from the card; a communications network connecting to the interface device; an issuer processor connected to the communications network; and a trusted network processor (TNP) processor connected to the communications network, interposed between the interface device and the issuer processor. The TNP processor is arranged to receive a transaction request message from a card user and to transmit a response message back to the personal device, the response message typically being a transaction authorization together with information for display on the card.
The TNP processor is arranged to identify, dependent on properties of the transaction request message, whether the associated response message will require data to be sent to the user information device, and if so identified, to: route the transaction request message to the issuer processor using a standard message; receive the required data from the issuer processor using another standard message; match the received required data to the original request; generate an appropriate response message and script containing the required data; and transmit the response message back to the personal device thereby making the required information known to the user.

摘要翻译： 提供了一种用于将用户信息数据发送到个人设备的交易处理系统以及相关联的方法。 该系统包括：个人设备，例如天平显示卡; 诸如用于向/从卡发送数据的读卡器的接口设备; 连接到所述接口设备的通信网络; 连接到通信网络的发行者处理器; 以及连接到通信网络的可信网络处理器（TNP）处理器，介于接口设备和发行者处理器之间。 TNP处理器被设置为从卡用户接收交易请求消息并且将响应消息发送回个人设备，响应消息通常是交易授权以及用于在卡上显示的信息。 TNP处理器被设置为根据事务请求消息的属性来识别关联的响应消息是否需要将数据发送到用户信息设备，并且如果被识别，则：将事务请求消息路由到发布者处理器 使用标准消息; 使用另一个标准消息从发行者处理器接收所需的数据; 将接收的所需数据与原始请求相匹配; 生成包含所需数据的适当响应消息和脚本; 并将响应消息发送回个人设备，从而使得用户已知的所需信息。