EMV-session data network and method of processing EMV-session data

US11348103B2 · kind B2 · utility

Assignee

• The Toronto-Dominion Bank · CA

Inventors

• Bryan Michael Gleeson · Toronto, CA
• Igor Elkhinovich · Thornhill, CA
• Jeffrey Aaron Ecker · Toronto, CA
• Adam Douglas McPhee · Waterloo, CA
• Matta Wakim · Petersburg, CA
• Kyryll Odobetskiy · Waterloo, CA
• Dmitri Rabinovich · King City, CA
• John Jong-Suk Lee · Toronto, CA
• Arun Victor Jagga · Toronto, CA

Key dates

• Filing date: Jun 15, 2018
• Grant date: May 31, 2022
• Expiry date: Jun 25, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

An EMV-session data network includes a POS terminal and at least one computer server. The POS terminal is configured to receive ledger data and a cryptogram from a communications appliance, extract an account identifier from the ledger data, and transmit to the server an authorization request message that includes the account identifier, the authorization value and the cryptogram. The server is configured to transmit to the POS terminal an authorization response message that confirms that the cryptogram was generated by the communications appliance from the account identifier and the authorization value. The POS terminal is further configured to extract a token from the ledger data and to transmit to the server a loyalty rewards request message that includes the token. The server is further configured to initiate a points reward to an account that is associated with the token.