The Toronto-dominion Bank

Dmitri Rabinovich

John Jong-Suk Lee

Arun Victor Jagga

Adam Douglas McPhee

Jeffrey Aaron Ecker

Bryan Michael Gleeson

Kyryll Odobetskiy

Matta Wakim

Igor Elkhinovich

Rakesh Thomas Jethwa

Robert Bruce MacKinnon

Robert Bruce Mackinnon

A session data processing network includes a POS terminal and at least one computer server. The POS terminal is configured to establish a secure communications session with a communications appliance, receive session data from the communications appliance via the communications session, extract a ledger identifier and a token from the session data, transmit an authorization request message and a rewards request message to the server. The authorization request message includes the ledger identifier and an authorization value. The rewards request message includes the token and requests a reward of loyalty points to a secondary ledger associated with the token. The server is configured to receive the authorization request message and the loyalty rewards request message, confirm authorization of a transaction in an amount equal to the authorization value from an account associated with the ledger identifier, and transmit to the POS terminal an authorization response message confirming the authorization.

Session data network and method of processing session data

An EMV-session data network includes a POS terminal and at least one computer server. The POS terminal is configured to receive ledger data and a cryptogram from a communications appliance, extract an account identifier from the ledger data, and transmit to the server an authorization request message that includes the account identifier, the authorization value and the cryptogram. The server is configured to transmit to the POS terminal an authorization response message that confirms that the cryptogram was generated by the communications appliance from the account identifier and the authorization value. The POS terminal is further configured to extract a token from the ledger data and to transmit to the server a loyalty rewards request message that includes the token. The server is further configured to initiate a points reward to an account that is associated with the token.

EMV-session data network and method of processing EMV-session data

A clearing network includes a server, a POS terminal, and a computer network interconnecting the server and the POS terminal. The sever is configured to receive account numbers over the computer network, determine that an occurrence of one of the account numbers in the plurality of account numbers exceeds a maximum limit, and via the computer network update the pre-authorization database with the account number. The POS terminal is configured to receive a pre-authorization request that includes an authorization amount and the account number, query the pre-authorization database with the account number, and after locating the account number in the pre-authorization database from the query (a) confirm that the authorization amount is not greater than an authorization threshold, and (b) without generating an online authorization request, save in a clearing database an authorization confirmation message that includes the account number and the authorization amount.

Network and method for clearing point-of-sale terminal pre-authorizations

A card reader tampering detector includes at least one sensor and a detector circuit coupled to the sensor(s). The detector circuit is configured to receive a sensor output from the sensor(s) when the sensor is inserted into a smartcard reader. The detector circuit is further configured to detect, from the sensor output, the presence of an unauthorized device within the smartcard reader, and provide an output signal indicative of the presence of the unauthorized device within the smartcard reader.

Card reader tampering detector

A point-of-sale terminal includes a card interface, and is configured to receive a plurality of pre-authorization requests, each comprising an authorization and further comprising an account number received from the card interface. The terminal is further configured, in response to each said pre-authorization request, to locate in a pre-authorization database a database record associated with the respective account number, confirm that the respective authorization amount is not greater than an offline authorization threshold, generate an authorization confirmation message comprising the respective account number and the respective authorization amount, and save the authorization confirmation message in a clearing database. The terminal is further configured to generate a clearing payload comprising the plurality of saved authorization confirmation messages, and transmit the clearing payload over a computer network.

System and method for clearing point-of-sale terminal pre-authorizations

A card reader tampering detector includes a substrate, a detector circuit, and at least one sensor disposed on the substrate and configured for communication with the detector circuit. The substrate is dimensioned to facilitate at least partial insertion of the tampering detector in a smartcard reader. The sensor is positioned on the substrate such that, when the tampering detector is at least partially inserted in the smartcard reader, the sensor aligns with a region of the reader normally occupied by a smartcard when the smartcard is inserted in the reader. The detector circuit is configured to receive a sensor output from the at least one sensor, from the sensor output detect a presence of an unauthorized device within the smartcard reader when the tampering detector is at least partially inserted in the reader, and provide an output signal indicative of the presence of the unauthorized device within the smartcard reader.

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Richmond Hill, Canada

Dmitri Rabinovich