Transaction identification and recognition
A method of matching transaction data with a transaction receipt using one of a plurality of transaction-specific elements is described. Transaction-specific elements are determined ( 210 ) from a transaction between a payment token of a user and a terminal. Transaction identifiers are then formed ( 220 ), each from a separate transaction-specific element. At least one of the transaction identifiers is then received or generated ( 230 ) in a transaction processing system. The transaction processing system provides transaction data associated with this transaction identifier. Each of the transaction identifiers used by the transaction processing system is combined ( 240 ) to form a composite transaction identifier comprising a plurality of transaction identifier elements. Each transaction identifier is matched ( 250 ) against each transaction identifier element to identify the transaction and to associate the transaction data with a transaction receipt. This approach is particularly effective for use in providing receipts for contactless card transactions. A terminal, a mobile computing device, a receipt service and a transaction processing system are also described.
1. A method of matching transaction data with a transaction receipt using one of a plurality of transaction-specific elements, the method comprising:
determining from a transaction between a payment token and a terminal a plurality of transaction-specific elements, and forming a plurality of transaction identifiers each from a separate transaction-specific element;
receiving or generating, by a transaction processing system, at least one of the plurality of transaction identifiers, wherein the transaction processing system provides transaction data associated with said at least one of the plurality of transaction identifiers;
truncating each of the plurality of transaction identifiers used by the transaction processing system, wherein each transaction identifier element is a truncated transaction identifier;
concatenating, by the transaction processing system, the transaction identifier elements together to form a composite transaction identifier including a plurality of transaction identifier elements; and
transmitting, by the transaction processing system, the composite transaction identifier to an entity that performs a matching operation on each transaction identifier against each transaction identifier element to identify the transaction and to associate the transaction data with a transaction receipt.
2. The method as claimed in claim 1 , wherein each transaction identifier comprises an output of a hash function, wherein the transaction-specific element is an input to the hash function.
3. The method as claimed in claim 2 , wherein the hash function is an SHA256 hash function.
4. The method as claimed in claim 1 , wherein the terminal provides the at least one of the plurality of transaction-specific elements to a transaction processing system.
5. The method as claimed in claim 1 , wherein the transaction processing system forms the composite transaction identifier and transmits the composite transaction identifier to a user or to a receipt service.
6. The method as claimed in claim 1 , wherein a, or the, user has a payment device and the terminal is a merchant device.
7. The method as claimed in claim 6 , wherein the payment device is, or emulates, a contactless payment card.
8. The method as claimed in claim 7 , wherein the payment device is, or emulates, a contactless mag-stripe card.