The Toronto-dominion Bank

William Joseph McLellan

Rajeev Kumar Gandhi

Richard Titus Szvath

Liliya Kaminskaya

Jennifer Amaral

Noemi Colmenar-Miranda

Danielle Marie Pinnock

Danielle Pinnock

An authorization control network includes a limit profile database and at least one computer server. The server(s) receives an account identifier and a datum from a communications device, and associates the datum with the account identifier in a limit profile record of the limit profile database. The server(s) also receives the account identifier and a transaction limit, and associates the transaction limit with the account identifier in the limit profile record. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization amount. If the server(s) confirms that the authorization amount does not exceed the transaction limit that is associated with the account identifier in the limit profile record and does not exceed an available credit limit that is associated with the account identifier, the server(s) transmits to the POS device an authorization response that confirms authorization of the authorization amount.

Authorization control network and method of validating an authorization request

An authorization control network includes at least one computer server. The server(s) receives a cardholder credential and a profile modification request from a communications device, and determines an account attribute by querying a profile database with an account identifier. The server(s) rejects the modification request if the server determines from the account attribute that a limit profile associated with the account identifier is linked to a cardholder credential other than the received cardholder credential. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization value. If the server(s) determines that the authorization value does not exceed a limit value saved in the limit profile and does not exceed a credit amount associated with the account identifier in a transactions database, the server(s) generates an authorization response confirming authorization of the authorization value, and transmits the authorization response to the POS device.

An authorization control network includes an attribute control server and an authorization server. The attribute control server is configured to receive from a communications device a credential and a modification request that includes an account identifier, determine a cardholder attribute from the credential, determine an account attribute associated with the account identifier in a card profile database, determine that the cardholder attribute matches the account attribute, and transmit the modification request to the authorization server. The authorization server is configured to update a limit value with the account identifier in a limit profile database, receive from a POS device an authorization request that includes the account identifier and an authorization value, determine the limit value associated with the account identifier in the limit profile database, generate an authorization response indicating whether the authorization value exceeds the limit value, and transmit the authorization response to the POS device.

Growing community of inventors

Rodney, Canada

William Joseph McLellan