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:
Oct. 20, 2026

Filed:

Jan. 14, 2025
Applicant:

The Toronto-dominion Bank, Toronto, CA;

Inventors:

David Samuel Tax, Toronto, CA;

Milos Dunjic, Oakville, CA;

Kushank Rastogi, Toronto, CA;

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/22 (2012.01); G06Q 20/34 (2012.01); H04L 9/40 (2022.01);
U.S. Cl.
CPC ...
G06Q 20/405 (2013.01); G06Q 20/1085 (2013.01); G06Q 20/204 (2013.01); G06Q 20/206 (2013.01); G06Q 20/227 (2013.01); G06Q 20/346 (2013.01); G06Q 20/4012 (2013.01); H04L 63/083 (2013.01); H04L 63/0853 (2013.01); G06Q 2220/00 (2013.01);
Abstract

A computer-implemented method is disclosed. The method includes: detecting a transaction initiated at a terminal device using the value transfer card; receiving, via the terminal device, input of a first authentication password associated with the value transfer card during a card session that begins when the value transfer card is inserted into the terminal device; identifying at least one first card control setting associated with the first authentication password that defines one or more transaction restrictions; in response to determining that the transaction is not permitted based on the at least one first card control setting: receiving, via the terminal device, input of a second override password associated with the value transfer card during the card session; determining that at least one second card control setting associated with the second override password defines an override condition for disabling the at least one first card control setting for the card session; and processing the transaction based on disabling the at least one first card control setting.


Find Patent Forward Citations

Tax, David. (2026). Value transfer card management system (U.S. Patent No. 12770151). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/12770151

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

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