System and method for deriving a primary numeric value and a secondary numeric value from an authorized request

US11308467B2 · kind B2 · utility

Assignee

• The Toronto-Dominion Bank · CA

Inventors

• Robert Hayhow · Burlington, CA
• Giovanna Borsella · Mississauga, CA
• Milos Dunjic · Oakville, CA
• Jeffrey Aaron Ecker · Toronto, CA
• Bryan Michael Gleeson · Toronto, CA
• Arthur Carroll Chow · Markham, CA
• Anthony Haituyen Nguyen · Toronto, CA
• John Jong-Suk Lee · Toronto, CA
• Rakesh Thomas Jethwa · Toronto, CA

Key dates

• Filing date: Apr 21, 2020
• Grant date: Apr 19, 2022
• Expiry date: Jun 9, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/401
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A computer server includes a processor that is configured to receive an incoming authorization request that includes an original numeric value and an identification number, and locate a profile that is associated with the identification number. The located profile includes at least one adjustment criterion. The processor is configured to determine a primary numeric value and a secondary numeric value from the original numeric value and the adjustment criterion, confirm that the secondary numeric value is not greater than a balance value in a loyalty points account associated with the identification number, and reduce the balance value in the loyalty points account by the secondary numeric value. The processor is configured to, after confirming the secondary numeric value, generate a revised authorization request and transmit the revised authorization request to an authorization server. The revised authorization request includes the identification number and the primary numeric value.