US 12,236,417 B2
System and method for location-based token transaction processing
Edison U. Ortiz, Orlando, FL (US); Arnold Badal-Badalian, Toronto (CA); Ambica Pawan Khandavilli, Orlando, FL (US); Rasha Khayat, Montreal (CA); Iustina-Miruna Vintila, Bucharest (RO); and Nikhil Singh Shekhawat, Orlando, FL (US)
Assigned to ROYAL BANK OF CANADA, Toronto (CA)
Filed by ROYAL BANK OF CANADA, Toronto (CA)
Filed on Jun. 6, 2022, as Appl. No. 17/833,524.
Application 17/833,524 is a continuation of application No. 16/007,955, filed on Jun. 13, 2018, granted, now 11,354,651.
Application 16/007,955 is a continuation in part of application No. 15/884,847, filed on Jan. 31, 2018.
Application 15/884,847 is a continuation in part of application No. 15/201,428, filed on Jul. 2, 2016, granted, now 11,080,701, issued on Aug. 3, 2021.
Application 15/201,428 is a continuation in part of application No. 15/000,685, filed on Jan. 19, 2016, granted, now 11,080,700, issued on Aug. 3, 2021.
Claims priority of provisional application 62/559,069, filed on Sep. 15, 2017.
Claims priority of provisional application 62/557,447, filed on Sep. 12, 2017.
Claims priority of provisional application 62/542,590, filed on Aug. 8, 2017.
Claims priority of provisional application 62/534,358, filed on Jul. 19, 2017.
Claims priority of provisional application 62/518,778, filed on Jun. 13, 2017.
Claims priority of provisional application 62/452,629, filed on Jan. 31, 2017.
Claims priority of provisional application 62/200,859, filed on Aug. 4, 2015.
Claims priority of provisional application 62/188,067, filed on Jul. 2, 2015.
Claims priority of provisional application 62/105,061, filed on Jan. 19, 2015.
Prior Publication US 2022/0391883 A1, Dec. 8, 2022
Int. Cl. G06Q 20/36 (2012.01); G06Q 20/02 (2012.01); G06Q 20/10 (2012.01); G06Q 20/12 (2012.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/0226 (2023.01); G06Q 40/03 (2023.01)
CPC G06Q 20/367 (2013.01) [G06Q 20/023 (2013.01); G06Q 20/102 (2013.01); G06Q 20/12 (2013.01); G06Q 20/20 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/382 (2013.01); G06Q 20/3821 (2013.01); G06Q 20/387 (2013.01); G06Q 20/405 (2013.01); G06Q 30/0229 (2013.01); G06Q 40/03 (2023.01)] 20 Claims
OG exemplary drawing
 
1. An electronic device comprising:
at least one processor;
one or more output devices comprising at least one display screen;
a data communication interface; and
at least one persistent memory device, the at least one persistent memory device comprising stored, machine-readable data representing:
a dynamically-configurable electronic token associated with an employee account;
an identifier of a user associated with the dynamically-configurable electronic token; and
one or more sets of machine-interpretable instructions;
the at least one processor adapted, by execution of the one or more sets of machine-interpretable instructions, to:
receive transaction data from an employer system, the transaction data for a payroll transaction between the employer system and the electronic device, the transaction data including a payroll amount and an employee identifier; and
upon determining that the employee identifier corresponds with the stored identifier:
provide via the one or more output devices an output indicating that the dynamically-configurable electronic token is in a transaction-ready state; and
upon determining that a location of the electronic device corresponds to a location associated with the employee account:
select token data associated with the employee account corresponding to the location of the electronic device; and
configure the dynamically-configurable electronic token based on the token data; and
via the data communication interface:
route the dynamically-configurable electronic token, generated from the token data corresponding to the location of the electronic device, for processing by an electronic data process at a transaction processing system associated with the employee account; and
receive a confirmation that the payroll transaction has been processed.