System and method for downloading an electronic product to a pin-pad terminal after validating an electronic shopping basket entry

US9152957B2 · kind B2 · utility

Assignee

• The Toronto-Dominion Bank · CA

Inventors

• Bryan Michael Gleeson · Toronto, CA
• Robert Hayhow · Burlington, CA
• John Henry Dunstan · Bolton, CA

Key dates

• Filing date: Feb 27, 2015
• Grant date: Oct 6, 2015
• Expiry date: Feb 27, 2035

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0633
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method of downloading an electronic product to a pin-pad terminal involves the terminal transmitting to a network gateway a transaction proposal for an electronic product from a network device, and receiving from the gateway a transaction proposal response generated by the gateway in response to the transaction proposal. The transaction proposal response includes a transaction pointer associated with the electronic product. An electronic cash register receives an indication of a proposed payment amount for the electronic product. The pin-pad terminal receives from the electronic cash register confirmation of entry of the electronic product in an electronic shopping basket maintained by the electronic cash register. The terminal validates the confirmation of entry of the electronic product from a comparison with the transaction proposal response, and transmits the transaction pointer to the network device via the gateway. The terminal receives the electronic product from the network device via the gateway.