Invention Grant
- Patent Title: Point-of-sale device and method for generating a discounted authorization request
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Application No.: US17217955Application Date: 2021-03-30
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Publication No.: US11605063B2Publication Date: 2023-03-14
- Inventor: Buturab Rizvi , Alexandra Tsourkis , Ki Nam Choi
- Applicant: The Toronto-Dominion Bank
- Applicant Address: CA Toronto
- Assignee: The Toronto-Dominion Bank
- Current Assignee: The Toronto-Dominion Bank
- Current Assignee Address: CA Toronto
- Agency: Graham Patent Law
- Main IPC: G06Q20/20
- IPC: G06Q20/20 ; G06Q20/40

Abstract:
A computer server receives from a mobile device, via a first network, a data structure request that includes a user identifier; associates a data structure with a user profile; and transmits the data structure to the mobile device. The user profile includes the user identifier and a current balance value. The server receives from a POS device, via a second network, a balance update request that includes an updated balance value, and a validation request that includes the user identifier and the data structure. The server determines that, prior to receiving the validation request, the server had associated the data structure with the user profile. The server replaces the current balance value in the user profile with the updated balance value; and transmits to the mobile device, via the first network, a balance update confirmation confirming that the server had updated the user profile with the updated balance value.
Public/Granted literature
- US20210216987A1 POINT-OF-SALE DEVICE AND METHOD FOR GENERATING A DISCOUNTED AUTHORIZATION REQUEST Public/Granted day:2021-07-15
Information query