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:
Jun. 11, 2024

Filed:

Apr. 27, 2022
Applicant:

The Toronto-dominion Bank, Toronto, CA;

Inventors:

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;

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/00 (2012.01); G06Q 20/20 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0238 (2023.01);
U.S. Cl.
CPC ...
G06Q 20/38215 (2013.01); G06Q 20/204 (2013.01); G06Q 20/401 (2013.01); G06Q 30/0238 (2013.01); G06Q 2220/00 (2013.01);
Abstract

A session data processing network includes a POS terminal and at least one computer server. The POS terminal is configured to establish a secure communications session with a communications appliance, receive session data from the communications appliance via the communications session, extract a ledger identifier and a token from the session data, transmit an authorization request message and a rewards request message to the server. The authorization request message includes the ledger identifier and an authorization value. The rewards request message includes the token and requests a reward of loyalty points to a secondary ledger associated with the token. The server is configured to receive the authorization request message and the loyalty rewards request message, confirm authorization of a transaction in an amount equal to the authorization value from an account associated with the ledger identifier, and transmit to the POS terminal an authorization response message confirming the authorization.


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