The Toronto-dominion Bank

Keith Willard

Jeffrey Aaron Ecker

Robert Hayhow

Igor Elkhinovich

An on-boarding server is configured to receive a data set and a manufacturer identifier from a communications device, validate an identity of an entity from the data set, and locate a first terminal cryptographic key associated with the manufacturer identifier in a terminal database. The on-boarding server is configured to confirm, using the located first terminal cryptographic key, that the manufacturer identifier received from the communications device was signed with a second terminal cryptographic key. The located first terminal cryptographic key and the second terminal cryptographic key are an asymmetric cryptographic key pair. The on-boarding server is configured to determine an acquirer server from the data set, and authorize the entity to effect electronic payments by providing the communications device with a merchant identifier and transmitting the merchant identifier to the acquirer server.

On-boarding server for authorizing an entity to effect electronic payments

An on-boarding server is configured to receive a data set and a manufacturer identifier from a communications device, validate an identity from the data set, and locate a first terminal cryptographic key associated with the manufacturer identifier in a terminal database. The on-boarding server is configured to confirm, using the located first terminal cryptographic key, that the manufacturer identifier received from the communications device was signed with a second terminal cryptographic key. The located first terminal cryptographic key and the second terminal cryptographic key are an asymmetric cryptographic key pair. The on-boarding server is configured to determine an acquirer server from the data set, provide the acquirer server with a merchant identifier, and download to the communications device a payload that includes the merchant identifier.

On-boarding server for remotely authorizing use of a terminal

A terminal configuration server is configured to associate a terminal identifier with a cryptographic key set, and to provide a communications device with the terminal identifier and the cryptographic key set. The terminal configuration server is configured to receive the terminal identifier from the communications device via a communications network, and establish an encrypted tunnel with a terminal via the communications device and the cryptographic key set. The encrypted tunnel is encrypted end-to-end between the terminal configuration server and the terminal. The terminal configuration server is configured to receive a payload request from the terminal via the encrypted tunnel, locate a payload that is associated with the terminal identifier in the payload database, and download the located payload to the terminal via the encrypted tunnel.

Terminal configuration server for the remote configuration of terminals

A terminal configuration server is configured to save a manufacturer identifier in a terminal database, in association with a merchant identifier. The manufacturer identifier identifies a terminal. The terminal configuration server is configured to transmit the merchant identifier to a communications device via a communications network, and to receive from the communications device via the communications network, a terminal identifier request that includes the manufacturer identifier and the merchant identifier. The terminal configuration server is configured to verify that the manufacturer identifier, included in the terminal identifier request, is associated with the merchant identifier in the terminal database, and to download a payload to the terminal via the communications device after verifying the manufacturer identifier.

A terminal configuration apparatus is configured to receive a merchant identifier and a manufacturer identifier from a communications device, and to locate a first terminal cryptographic key that is associated with the manufacturer identifier in a terminal database. The terminal configuration apparatus is configured to confirm, using the located first terminal cryptographic key, that the merchant identifier was signed with a second terminal cryptographic key, and to download a payload to a terminal via the communications device. The located first terminal cryptographic key and the second terminal cryptographic key are an asymmetric cryptographic key pair.

Terminal configuration apparatus for the remote configuration of terminals

A method of remotely configuring a pin-pad terminal involves a computer server receiving a merchant identifier over a network from a communications device associated with the pin-pad terminal. The computer server confirms from the merchant identifier that an entity associated with the communications device is authorized to use the pin-pad terminal, and authenticates the pin-pad terminal from a cryptographically-signed datum received from the communications device. The computer server then transmits to the pin-pad terminal via the communications device a configuration payload for installation in the pin-pad terminal. The configuration payload includes at least a payment symmetric cryptographic key set uniquely associated with the pin-pad terminal. The payment symmetric key set configures the pin-pad terminal to effect secure electronic payment via the communications device.

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Toronto, Canada

Keith Willard