Value transfer card management system

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11915227
APP PUB NO 20220405735A1
SERIAL NO

17890315

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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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.

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First Claim

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Patent Owner(s)

  • THE TORONTO DOMINION BANK

International Classification(s)

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  • [Patents Count]

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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