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. 19, 2022
Filed:
Apr. 21, 2020
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, Bowmanville, 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 processor that is configured to receive an incoming authorization request that includes an original numeric value and an identification number, and locate a profile that is associated with the identification number. The located profile includes at least one adjustment criterion. The processor is configured to determine a primary numeric value and a secondary numeric value from the original numeric value and the adjustment criterion, confirm that the secondary numeric value is not greater than a balance value in a loyalty points account associated with the identification number, and reduce the balance value in the loyalty points account by the secondary numeric value. The processor is configured to, after confirming the secondary numeric value, generate a revised authorization request and transmit the revised authorization request to an authorization server. The revised authorization request includes the identification number and the primary numeric value.