The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 19, 2020
Filed:
Oct. 03, 2017
The Toronto-dominion Bank, Toronto, CA;
Jeffrey Aaron Ecker, Toronto, CA;
Bryan Michael Gleeson, Bowmanville, CA;
Igor Elkhinovich, Toronto, CA;
Dmitri Rabinovich, Richmond Hill, CA;
Adam Douglas McPhee, Waterloo, CA;
Matta Wakim, Petersburg, CA;
Kyryll Odobetskiy, Waterloo, CA;
Arun Victor Jagga, Toronto, CA;
John Jong-Suk Lee, Toronto, CA;
Rakesh Thomas Jethwa, Toronto, CA;
The Toronto-Dominion Bank, Toronto, CA;
Abstract
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.