Trusted Network Processor Routing for Personal Device Data Delivery
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Solution Overview
Problem
Current systems burden issuer servers with increased data traffic when providing additional information flows alongside standard EMV transaction processes, leading to significant load and inefficiency.
Innovation Solution
A transaction processing system that includes a personal device with an integrated circuit element, a user information device, an interface device, and a trusted network processor (TNP) to route and manage transaction requests and responses, allowing for the efficient delivery of user information without impacting existing authorization systems.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If additional information flows are processed alongside standard EMV authorization flows, then enhanced functionality and user information delivery are improved, but issuer server load and data traffic increase significantly
Solution Approach 1:
A Trusted Network Processor (TNP) is introduced as an intermediary between the personal device and the issuer server. The TNP receives authorization requests from the personal device, extracts information delivery requirements, and selectively forwards only necessary data to the issuer server. This mediator architecture enables enhanced functionality while preventing direct burdening of the issuer server with all information flows.
Solution Approach 2:
The information flow processing is segmented into separate functional components: the TNP handles authorization request routing and information extraction, while the issuer server processes only essential authorization data. This segmentation allows the system to provide enhanced functionality through the TNP without proportionally increasing server load.
2Loss of information
If additional information flows are processed alongside standard EMV authorization flows, then user information delivery is improved, but transaction processing time increases
Solution Approach 1:
The TNP performs preliminary actions by pre-processing authorization requests, extracting information delivery requirements, and preparing data packets before forwarding to the issuer server. This preliminary processing enables the system to deliver comprehensive user information without adding significant time to the core authorization transaction flow.
Solution Approach 2:
The TNP acts as an intermediary that optimizes data transmission by selectively packaging and routing only necessary information to the issuer server, reducing the time required for information delivery while maintaining complete user information availability.
3Adaptability or versatility
If standard message flows are used for information delivery, then system compatibility is maintained, but information processing efficiency decreases
Solution Approach 1:
The TNP is designed to handle multiple functions within a universal framework: it processes standard EMV authorization flows, extracts information delivery requirements, and formats data for efficient transmission. This multi-functionality allows the system to maintain compatibility with existing standards while achieving improved processing efficiency through integrated handling of multiple tasks.
Data Source
AI summary
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.