System and method for location-based token transaction processing

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO 12236417
APP PUB NO 20220391883A1
SERIAL NO

17833524

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

Systems, methods, and machine-executable data structures for the processing of data for the secure creation, administration, manipulation, processing, and storage of electronic data useful in the processing of electronic payment transactions. Aspects of such methods, systems, and data structures include providing at an electronic device, an output indicating that a dynamically-configured electronic token is in a transaction-ready state, where the dynamically-configured electronic token is associated with a plurality of loyalty accounts; in response to one or more signals providing information regarding a location of the electronic device, obtaining token data associated with a loyalty account of the plurality of loyalty accounts corresponding to the location of the electronic device; and via a data communication interface, route a token, generated from the token data, for processing at a transaction processing system.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddress
ROYAL BANK OF CANADA200 BAY STREET 6TH FLOOR SOUTH TOWER ROYAL BANK PLAZA TORONTO M5J2J5

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Badal-Badalian, Arnold Toronto, CA 19 243
Khandavilli, Ambica Pawan Orlando, US 14 216
Khayat, Rasha Montreal, CA 2 92
Ortiz, Edison U Orlando, US 70 1983
Shekhawat, Nikhil Singh Orlando, US 2 92
Vintila, Iustina-Miruna Bucharest, RO 32 945

Cited Art Landscape

Load Citation

Patent Citation Ranking

Forward Cite Landscape

Load Citation

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Aug 25, 2028
7.5 Year Payment $3600.00 $1800.00 $900.00 Aug 25, 2032
11.5 Year Payment $7400.00 $3700.00 $1850.00 Aug 25, 2036
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00