The Toronto-Dominion Bank

Derek Guan

Milos Dunjic

David Samuel Tax

Kushank Rastogi

Zainab Eniola Bello

A processor-implemented method is disclosed. The method includes: configuring, by a processor, a value transfer card to be associated with a default currency account and one or more foreign currency accounts; receiving, by the processor, input including a selection of at least one of the one or more foreign currency accounts and a card control setting to be applied for the value transfer card in connection with the selected at least one foreign currency account; detecting, by the processor, a first transaction initiated using the value transfer card, wherein the detecting includes receiving a request to process the first transaction in a first currency associated with the selected at least one foreign currency account; determining, by the processor in real-time, that the first transaction results in violation of the card control setting for the value transfer card; and in response to determining that the first transaction results in violation of the card control setting for the value transfer card: querying, by the processor in real-time, an exchange rates database to obtain a current exchange rate between the first currency associated with the selected at least one foreign currency account and a second currency associated with a second one of the currency accounts; and processing the first transaction using the second currency account and the current exchange rate.

Value transfer card management system

A processor-implemented method is disclosed. The method includes: configuring a value transfer card to be associated with a plurality of accounts, the plurality of accounts including a default currency account and one or more foreign currency accounts; receiving input from an authorized entity associated with the plurality of accounts, the input indicating a selection of at least one of the foreign currency accounts and a card control setting to be applied for the value transfer card in connection with transactions associated with the selected at least one foreign currency account; and enabling the card control setting for the value transfer card only in connection with the selected at least one foreign currency account.

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Vaughan, Canada

Derek Guan