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. 17, 2023
Applicant:

The Toronto-dominion Bank, Toronto, CA;

Inventors:

Robert Hayhow, Burlington, CA;

Jeffrey Aaron Ecker, North York, CA;

Igor Elkhinovich, Thornhill, CA;

Keith Willard, Toronto, CA;

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/3829 (2013.01); G06Q 20/20 (2013.01); G06Q 20/326 (2020.05); G06Q 20/40 (2013.01); G06Q 20/401 (2013.01); G06Q 2220/00 (2013.01);
Abstract

An on-boarding server is configured to receive a data set and a manufacturer identifier from a communications device, validate an identity of an entity from the data set, and locate a first terminal cryptographic key associated with the manufacturer identifier in a terminal database. The on-boarding server is configured to confirm, using the located first terminal cryptographic key, that the manufacturer identifier received from the communications device was signed with a second terminal cryptographic key. The located first terminal cryptographic key and the second terminal cryptographic key are an asymmetric cryptographic key pair. The on-boarding server is configured to determine an acquirer server from the data set, and authorize the entity to effect electronic payments by providing the communications device with a merchant identifier and transmitting the merchant identifier to the acquirer server.


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