公开(公告)号：US11734684B2

公开(公告)日：2023-08-22

申请号：US17400794

申请日：2021-08-12

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar Gandhi ,  Noemi Colmenar-Miranda ,  Danielle Pinnock ,  William Joseph McLellan ,  Richard Titus Szvath ,  Liliya Kaminskaya ,  Jennifer Amaral

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/24 ,  G06Q40/02 ,  G06Q40/03 ,  G06F16/16

CPC classification number: G06Q20/40 ,  G06Q20/24 ,  G06Q20/354 ,  G06Q20/4093 ,  G06Q40/02 ,  G06Q40/03 ,  G06F16/162

Abstract: An authorization control network includes at least one computer server. The server(s) receives a cardholder credential and a profile modification request from a communications device, and determines an account attribute by querying a profile database with an account identifier. The server(s) rejects the modification request if the server determines from the account attribute that a limit profile associated with the account identifier is linked to a cardholder credential other than the received cardholder credential. The server(s) then receives from a POS device an authorization request that includes the account identifier and an authorization value. If the server(s) determines that the authorization value does not exceed a limit value saved in the limit profile and does not exceed a credit amount associated with the account identifier in a transactions database, the server(s) generates an authorization response confirming authorization of the authorization value, and transmits the authorization response to the POS device.

公开(公告)号：US11120447B2

公开(公告)日：2021-09-14

申请号：US16593579

申请日：2019-10-04

Applicant: THE TORONTO-DOMINION BANK

Inventor： Rajeev Kumar Gandhi ,  Noemi Colmenar-Miranda ,  Danielle Marie Pinnock ,  William Joseph McLellan ,  Richard Titus Szvath ,  Liliya Kaminskaya ,  Jennifer Amaral

IPC: G06Q40/02 ,  G06Q20/24 ,  G06Q20/40 ,  G06Q20/34 ,  G06F16/16

Abstract: An authorization control network includes an attribute control server and an authorization server. The attribute control server is configured to receive from a communications device a credential and a modification request that includes an account identifier, determine a cardholder attribute from the credential, determine an account attribute associated with the account identifier in a card profile database, determine that the cardholder attribute matches the account attribute, and transmit the modification request to the authorization server. The authorization server is configured to update a limit value with the account identifier in a limit profile database, receive from a POS device an authorization request that includes the account identifier and an authorization value, determine the limit value associated with the account identifier in the limit profile database, generate an authorization response indicating whether the authorization value exceeds the limit value, and transmit the authorization response to the POS device.