The Toronto-Dominion Bank
SESSION DATA NETWORK AND METHOD OF PROCESSING SESSION DATA

Abstract:

A session data processing network includes a POS terminal and at least one computer server. The POS terminal is configured to establish a secure communications session with a communications appliance, receive session data from the communications appliance via the communications session, extract a ledger identifier and a token from the session data, transmit an authorization request message and a rewards request message to the server. The authorization request message includes the ledger identifier and an authorization value. The rewards request message includes the token and requests a reward of loyalty points to a secondary ledger associated with the token. The server is configured to receive the authorization request message and the loyalty rewards request message, confirm authorization of a transaction in an amount equal to the authorization value from an account associated with the ledger identifier, and transmit to the POS terminal an authorization response message confirming the authorization.