The Toronto-dominion Bank

Pitney Bowes Inc.

Anand Kannan

Orin Del Vecchio

Lauren Van Heerden

Hisham I Salama

Ian Sundberg

Andrew Kane

An authorization system includes a database, and at least one computer server in communication with the database. The database includes a plurality of database records, each including an account number and an associated card number. Each card number has fewer digits than the associated account number. The server is configured to receive, from a communications terminal, a request message that initiates a transaction with the server. The server is configured to request an authentication credential from the terminal, and in the database locate the card number that matches the received authentication credential and locate the account number that is associated with the located card number. The server is configured to request authorization of a test transaction using the account number, receive an authorization response confirming authorization of the test transaction, and authorize the initiated transaction in response to the authorization response. The test transaction is different from the initiated transaction.

Authorization system using partial card numbers

A method of authorizing a transaction involves a computer server authenticating a payment cardholder from a cardholder credential, and receiving a request from a communications terminal to initiate an online transaction with the server. The server communicates with a database of clusters, each uniquely associated with a respective cardholder and identifying an authentication card and a partial payment card number. The server requests an authentication credential from the terminal in response to determining that the requested transaction possesses a high risk of fraud. The server receives the requested authentication credential, and uses the cardholder and authentication credentials to locate the authentication card uniquely associated with the cardholder and the authentication credential in the database. The authentication credential has fewer digits than the account number of the located authentication card. The server authorizes the transaction in response to authenticating the cardholder using the account number of the located authentication card.

High fraud risk transaction authorization

An improved method is provided for determining whether a sample point is within a defined geographic area. Indexes for the geographic area of interest are generated in advance. Such indexes complement the traditional spatial indexing techniques such as quad tree and r-tree. The geographic area, as defined by an outer boundary, is subdivided into some regular geometric shape, preferably a rectangle, encoded into a suitable form, and indexed. Then, a simplified comparison of the sample point to the indexed regular shapes is made.

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North York, Canada

Anand Kannan