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.

Date of Patent:
Jan. 12, 2021

Filed:

Jul. 24, 2014
Applicant:

The Toronto Dominion Bank, Mississauga, CA;

Inventors:

Robert Hayhow, Burlington, CA;

Bryan Michael Gleeson, Toronto, CA;

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06Q 20/02 (2012.01); G06Q 20/34 (2012.01); G06Q 20/20 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/38215 (2013.01); G06Q 20/02 (2013.01); G06Q 20/027 (2013.01); G06Q 20/20 (2013.01); G06Q 20/341 (2013.01); G06Q 20/3821 (2013.01); G06Q 20/3829 (2013.01);
Abstract

A method of authenticating a payment terminal to a computer server involves the terminal generating a terminal activation request from a private key uniquely associated with the terminal, and from a credential uniquely associated with the terminal. The activation request includes a public key that the payment terminal generates from the private key. The private key is both provided to and uniquely associated with the terminal by an entity other than the terminal prior to the terminal generating the activation request. The terminal transmits the activation request to a certificate server, and receives a digital certificate in response. The terminal initiates a transaction with a network client by authenticating to the computer server using the digital certificate. The computer server is in communication with the network client via a communications network. The terminal effects payment for the transaction via an acquirer network distinct from the communications network.


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