# US 11,308,467 B2 · System and method for deriving a primary numeric value and a secondary numeric value from an authorized request

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- Number: US 11,308,467 B2
- Document ID: US11308467B2
- Status: Granted
- Kind: B2
- Application number: 16/854,446
- Filed: 2020-04-21
- Published: 2020-08-06
- Granted: 2022-04-19
- Earliest claimed: 2011-11-23
- Assignees: The Toronto-Dominion Bank
- Applicants: The Toronto-Dominion Bank
- Inventors: Robert Hayhow; Giovanna Borsella; Milos Dunjic; Jeffrey Aaron Ecker; Bryan Michael Gleeson; Arthur Carroll Chow; Anthony Haituyen Nguyen; John Jong-Suk Lee; Rakesh Thomas Jethwa
- Web page: https://patentgrep.com/patent/US11308467B2

## CPC

- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/027: {involving a payment switch or gateway}
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights}
- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/401: {Transaction verification}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## 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.

## Claims

### Claim 1

A computer server comprising:
a network interface;
a memory; and
a processor coupled to the network interface and the memory, the memory storing processing instructions which, when executed by the processor, cause the processor to:
receive an incoming authorization request via the network interface, the incoming authorization request including an original numeric value and an identification number;
locate a user profile associated with the identification number in a token database, the located user profile including at least one preferred adjustment criterion;
determine a primary numeric value and a secondary numeric value from the original numeric value and the at least one preferred 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; and
after confirming the secondary numeric value, generate a revised authorization request and transmit the revised authorization request to an authorization server via the network interface, the revised authorization request including the identification number and the primary numeric value.

### Claim 2 (depends on 1)

The computer server according to claim 1, wherein the processing instructions cause the processor to locate at least one adjustment factor in an adjustment database, and to determine the primary numeric value and the secondary numeric value by evaluating the at least one located adjustment factor using the at least one preferred adjustment criterion, wherein each said adjustment factor in the adjustment database includes at least one evaluation condition, and the processing instructions cause the server to locate the at least one adjustment factor by querying the evaluation conditions with the transaction adjustment request.

### Claim 3 (depends on 2)

The computer server according to claim 2, wherein the processing instructions cause the processor to determine the primary numeric value and the secondary numeric value from the located at least one adjustment factor and the original numeric value.

### Claim 4 (depends on 2)

The computer server according to claim 2, wherein the at least one preferred adjustment criterion specifies one of a preference for a maximum outcome of the primary numeric value and a preference for a maximum outcome of the secondary numeric value, and the processing instructions cause the processor to evaluate the at least one located adjustment factor using the one preference.

### Claim 5 (depends on 1)

The computer server according to claim 1, wherein the incoming authorization request includes a token cryptogram, and the processing instructions cause the processor to, prior to transmitting the revised authorization request, confirm that the token cryptogram was generated from the original numeric value and from a token cryptographic key uniquely associated with the identification number.

### Claim 6 (depends on 5)

The computer server according to claim 5, wherein the processing instructions cause the processor to generate an authorization request cryptogram from the primary numeric value and the token cryptographic key, and to incorporate the authorization request cryptogram into the revised authorization request.

### Claim 7 (depends on 6)

The computer server according to claim 6, wherein the processing instructions cause the processor to:
receive the incoming authorization request from a terminal;
receive an authorization response from the authorization server via the network interface in response to the revised authorization request;
generate an authorization response cryptogram from the authorization response and the token cryptographic key; and
transmit the authorization response and the authorization response cryptogram to the terminal via the network interface in response to the incoming authorization request.

### Claim 8

A tangible non-transient computer-readable medium comprising computer processing instructions stored thereon, the computer processing instructions, when executed by a computer, cause the computer to:
receive an incoming authorization request from a terminal, the incoming authorization request including an original numeric value and an identification number;
locate a user profile associated with the identification number in a token database, the located user profile including at least one preferred adjustment criterion;
determine a primary numeric value and a secondary numeric value from the original numeric value and the at least one preferred 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; and
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 including the identification number and the primary numeric value.

### Claim 9 (depends on 8)

The computer-readable medium according to claim 8, wherein the computer processing instructions cause the computer to locate at least one adjustment factor in an adjustment database, and to determine the primary numeric value and the secondary numeric value by evaluating the at least one located adjustment factor using the at least one preferred adjustment criterion, wherein each said adjustment factor in the adjustment database includes at least one evaluation condition, and the computer processing instructions cause the server to locate the at least one adjustment factor by querying the evaluation conditions with the transaction adjustment request.

### Claim 10 (depends on 9)

The computer-readable medium according to claim 9, wherein the computer processing instructions cause the computer to determine the primary numeric value and the secondary numeric value from the located at least one adjustment factor and the original numeric value.

### Claim 11 (depends on 9)

The computer-readable medium according to claim 9, wherein the at least one preferred adjustment criterion specifies one of a preference for a maximum outcome of the primary numeric value and a preference for a maximum outcome of the secondary numeric value, and the computer processing instructions cause the computer to evaluate the at least one located adjustment factor using the one preference.

### Claim 12 (depends on 8)

The computer-readable medium according to claim 8, wherein the incoming authorization request includes a token cryptogram, and the computer processing instructions cause the computer to, prior to transmitting the revised authorization request, confirm that the token cryptogram was generated from the original numeric value and from a token cryptographic key uniquely associated with the identification number.

### Claim 13 (depends on 12)

The computer-readable medium according to claim 12, wherein the computer processing instructions cause the computer to generate an authorization request cryptogram from the primary numeric value and the token cryptographic key, and to incorporate the authorization request cryptogram into the revised authorization request.

### Claim 14 (depends on 13)

The computer-readable medium according to claim 13, wherein the computer processing instructions cause the computer to:
receive an authorization response from the authorization server in response to the revised authorization request;
generate an authorization response cryptogram from the authorization response and the token cryptographic key; and
transmit the authorization response and the authorization response cryptogram to the terminal in response to the incoming authorization request.

### Claim 15

A method of processing an authorization request comprising:
a computer server receiving an incoming authorization request from a terminal, the incoming authorization request including an original numeric value and an identification number;
the computer server locating a user profile associated with the identification number in a token database, the located user profile including at least one preferred adjustment criterion;
the computer server determining a primary numeric value and a secondary numeric value from the original numeric value and the at least one preferred adjustment criterion;
the computer server confirming 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; and
after confirming the secondary numeric value, the computer server generating a revised authorization request and transmit the revised authorization request to an authorization server, the revised authorization request including the identification number and the primary numeric value.

### Claim 16 (depends on 15)

The method according to claim 15, wherein the determining comprises the computer server locating at least one adjustment factor in an adjustment database, and evaluating the at least one located adjustment factor using the at least one preferred adjustment criterion, wherein each said adjustment factor in the adjustment database includes at least one evaluation condition, and the locating the at least one adjustment factor comprises the computer server querying the evaluation conditions with the transaction adjustment request.

### Claim 17 (depends on 16)

The method according to claim 16, wherein the determining comprises the computer server generating the primary numeric value and the secondary numeric value from the located at least one adjustment factor and the original numeric value.

### Claim 18 (depends on 16)

The method according to claim 16, wherein the at least one preferred adjustment criterion specifies one of a preference for a maximum outcome of the primary numeric value and a preference for a maximum outcome of the secondary numeric value, and the evaluating comprises the computer server evaluating the at least one located adjustment factor using the one preference.

### Claim 19 (depends on 15)

The method according to claim 15, wherein the incoming authorization request includes a token cryptogram, and the locating a user profile comprises the computer server confirming that the token cryptogram was generated from the original numeric value and from a token cryptographic key uniquely associated with the identification number.

### Claim 20 (depends on 19)

The method according to claim 19, further comprising the computer server generating an authorization request cryptogram from the primary numeric value and the token cryptographic key, and incorporating the authorization request cryptogram into the revised authorization request.

### Claim 21 (depends on 20)

The method according to claim 20, further comprising the computer server:
receiving an authorization response from the authorization server in response to the revised authorization request;
generating an authorization response cryptogram from the authorization response and the token cryptographic key; and
transmitting the authorization response and the authorization response cryptogram to the terminal in response to the incoming authorization request.