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:
Sep. 21, 2021
Filed:
Apr. 13, 2020
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 clearing network includes a server, a POS terminal, and a computer network interconnecting the server and the POS terminal. The sever is configured to receive account numbers over the computer network, determine that an occurrence of one of the account numbers in the plurality of account numbers exceeds a maximum limit, and via the computer network update the pre-authorization database with the account number. The POS terminal is configured to receive a pre-authorization request that includes an authorization amount and the account number, query the pre-authorization database with the account number, and after locating the account number in the pre-authorization database from the query (a) confirm that the authorization amount is not greater than an authorization threshold, and (b) without generating an online authorization request, save in a clearing database an authorization confirmation message that includes the account number and the authorization amount.