Value transfer card management system
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United States of America Patent
Stats
-
Feb 27, 2024
Grant Date -
Dec 22, 2022
app pub date -
Aug 18, 2022
filing date -
Aug 18, 2022
priority date (Note) -
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Abstract
A processor-implemented method is disclosed. The method includes: configuring, by a processor, a value transfer card to be associated with a default currency account and one or more foreign currency accounts; receiving, by the processor, input including a selection of at least one of the one or more foreign currency accounts and a card control setting to be applied for the value transfer card in connection with the selected at least one foreign currency account; detecting, by the processor, a first transaction initiated using the value transfer card, wherein the detecting includes receiving a request to process the first transaction in a first currency associated with the selected at least one foreign currency account; determining, by the processor in real-time, that the first transaction results in violation of the card control setting for the value transfer card; and in response to determining that the first transaction results in violation of the card control setting for the value transfer card: querying, by the processor in real-time, an exchange rates database to obtain a current exchange rate between the first currency associated with the selected at least one foreign currency account and a second currency associated with a second one of the currency accounts; and processing the first transaction using the second currency account and the current exchange rate.
First Claim
Family
- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
- THE TORONTO DOMINION BANK
International Classification(s)
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
---|---|---|---|
Bello, Zainab Eniola | Toronto, CA | 2 | 0 |
Dunjic, Milos | Oakville, CA | 158 | 704 |
Guan, Derek | Vaughan, CA | 2 | 0 |
Rastogi, Kushank | Toronto, CA | 26 | 18 |
Tax, David Samuel | Toronto, CA | 107 | 194 |
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