US 11,676,115 B2
Authorization system using partial card numbers
Hisham Salama, Charlotte, NC (US); Lauren Van Heerden, Bedford, NH (US); Ian Sundberg, Charlotte, NC (US); Anand Kannan, North York (CA); and Orin Del Vecchio, Richmond Hill (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Jun. 29, 2020, as Appl. No. 16/914,660.
Application 16/914,660 is a continuation of application No. 14/301,082, filed on Jun. 10, 2014, granted, now 10,726,400.
Claims priority of provisional application 61/880,432, filed on Sep. 20, 2013.
Claims priority of provisional application 61/833,443, filed on Jun. 10, 2013.
Prior Publication US 2020/0327513 A1, Oct. 15, 2020
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/10 (2013.01) [G06Q 20/401 (2013.01); G06Q 20/4016 (2013.01)] 24 Claims
OG exemplary drawing
 
1. An authorization system comprising:
a database comprising a plurality of database records each including a card number and an account number associated with the card number, each said card number having fewer digits than the associated account number; and
at least one computer server in communication with the database and configured to:
receive a request message from a communications terminal, the request message initiating a transaction with the at least one computer server;
request an authentication credential from the communications terminal;
receive the authentication credential from the communications terminal, in the database locate the card number matching the received authentication credential, and locate the account number associated with the located card number in the database;
request authorization of a test transaction using the located account number, and receive an authorization response confirming authorization of the test transaction, the test transaction being different from the initiated transaction; and
authorize the initiated transaction in response to the authorization response.