公开(公告)号：US20200302440A1

公开(公告)日：2020-09-24

申请号：US16895570

申请日：2020-06-08

申请人： THE TORONTO-DOMINION BANK

发明人： Robert Hayhow ,  Jeffrey Aaron Ecker ,  Igor Elkhinovich ,  Keith Willard

IPC分类号： G06Q20/38 ,  G06Q20/40 ,  G06Q20/20 ,  G06Q20/32

摘要： A terminal configuration server is configured to associate a terminal identifier with a cryptographic key set, and to provide a communications device with the terminal identifier and the cryptographic key set. The terminal configuration server is configured to receive the terminal identifier from the communications device via a communications network, and establish an encrypted tunnel with a terminal via the communications device and the cryptographic key set. The encrypted tunnel is encrypted end-to-end between the terminal configuration server and the terminal. The terminal configuration server is configured to receive a payload request from the terminal via the encrypted tunnel, locate a payload that is associated with the terminal identifier in the payload database, and download the located payload to the terminal via the encrypted tunnel.

公开(公告)号：US20200242601A1

公开(公告)日：2020-07-30

申请号：US16847075

申请日：2020-04-13

申请人： The Toronto-Dominion Bank

发明人： Jeffrey Aaron Ecker ,  Bryan Michael Gleeson ,  Igor Elkhinovich ,  Dmitri Rabinovich ,  Adam Douglas McPhee ,  Matta Wakim ,  Kyryll Odobetskiy ,  Arun Victor Jagga ,  John Jong-Suk Lee ,  Rakesh Thomas Jethwa

IPC分类号： G06Q20/40 ,  G06Q20/02 ,  G06F16/903 ,  G06Q20/20

摘要： A clearing network includes a server, a POS terminal, and a computer network interconnecting the server and the POS terminal. The sever is configured to receive account numbers over the computer network, determine that an occurrence of one of the account numbers in the plurality of account numbers exceeds a maximum limit, and via the computer network update the pre-authorization database with the account number. The POS terminal is configured to receive a pre-authorization request that includes an authorization amount and the account number, query the pre-authorization database with the account number, and after locating the account number in the pre-authorization database from the query (a) confirm that the authorization amount is not greater than an authorization threshold, and (b) without generating an online authorization request, save in a clearing database an authorization confirmation message that includes the account number and the authorization amount.

公开(公告)号：US20200082427A1

公开(公告)日：2020-03-12

申请号：US16126227

申请日：2018-09-10

申请人： The Toronto-Dominion Bank

发明人： Bryan Michael Gleeson ,  Jeffrey Aaron Ecker ,  Adam Douglas McPhee ,  Matta Wakim ,  Kyryll Odobetskiy ,  John Jong-Suk Lee

IPC分类号： G06Q30/02

摘要： The present disclosure involves systems, software, and computer implemented methods for performing loyalty analyses and offers at point-of-sales (POSs). One example POS terminal includes a communications module, an interface, a display, and memory storing instructions and a plurality of preloaded bank identification numbers (BINs). The instructions instruct the terminal to receive credentials associated with a single instrument associated with a particular customer and used in a current data exchange. A BIN associated with the single instrument is identified and a determination is made as to whether it is included in the plurality of BINs. If included, an analysis is initiated comprising transmitting customer identification information and a set of current data exchange information to the institution associated with the particular BIN, the information used to identify an offer associated with the current data exchange. An offer is received from the institution, and can be presented to the display.