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:
May. 31, 2022
Filed:
Jun. 15, 2018
The Toronto-dominion Bank, Toronto, CA;
Bryan Michael Gleeson, Bowmanville, CA;
Igor Elkhinovich, Toronto, CA;
Jeffrey Aaron Ecker, North York, CA;
Adam Douglas McPhee, Waterloo, CA;
Matta Wakim, Petersburg, CA;
Kyryll Odobetskiy, Waterloo, CA;
Dmitri Rabinovich, Richmond Hill, CA;
John Jong-Suk Lee, Toronto, CA;
Arun Victor Jagga, Toronto, CA;
The Toronto-Dominion Bank, Toronto, CA;
Abstract
An EMV-session data network includes a POS terminal and at least one computer server. The POS terminal is configured to receive ledger data and a cryptogram from a communications appliance, extract an account identifier from the ledger data, and transmit to the server an authorization request message that includes the account identifier, the authorization value and the cryptogram. The server is configured to transmit to the POS terminal an authorization response message that confirms that the cryptogram was generated by the communications appliance from the account identifier and the authorization value. The POS terminal is further configured to extract a token from the ledger data and to transmit to the server a loyalty rewards request message that includes the token. The server is further configured to initiate a points reward to an account that is associated with the token.