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:
Apr. 27, 2021
Filed:
Sep. 16, 2019
The Toronto-dominion Bank, Toronto, CA;
The Toronto-Dominion Bank, Toronto, CA;
Abstract
A POS device receives a first authorization value from an input device, and receives from a mobile device, via a LAN interface, a user identifier and a data structure that includes an adjustment value and a structure identifier. The POS device transmits the data structure and the user identifier to a validation server, via a WAN interface. The POS device receives from the validation server, via the WAN interface, confirmation that the validation server had previously saved the structure identifier of the data structure in a database in association with the user identifier. The POS device recovers the adjustment value from the data structure, generates a second authorization value from a difference between the first authorization value and the adjustment value, and transmits an authorization request message over a payment network via the WAN interface. The authorization request message includes the second authorization value.