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:
Jun. 02, 2020
Filed:
Sep. 08, 2017
The Toronto-dominion Bank, Toronto, CA;
Robert Hayhow, Burlington, CA;
Giovanna Borsella, Etobicoke, CA;
Milos Dunjic, Oakville, CA;
Jeffrey Aaron Ecker, Toronto, CA;
Bryan Michael Gleeson, Toronto, CA;
Arthur Carroll Chow, Toronto, CA;
Anthony Haituyen Nguyen, Toronto, CA;
John Jong-Suk Lee, Toronto, CA;
Rakesh Thomas Jethwa, Toronto, CA;
The Toronto-Dominion Bank, Toronto, CA;
Abstract
A computer server includes a transaction processor that is configured to receive from a POS terminal an incoming authorization request that includes an original numeric value, a token cryptogram and an identification number identifying an identity token; confirm that the token cryptogram was generated from the original numeric value and a cryptographic key associated with the token; determine primary and secondary numeric values from the original numeric value and a user profile associated with the identification number; confirm that the secondary numeric value is not greater than the balance in a loyalty points account associated with the identification number; transmit to an authorization server a revised authorization request that includes the identification number and the primary numeric value; and receive from the authorization server a confirmation message confirming that the primary numeric value is not greater than the balance in a payment account associated with the identification number.