The Toronto-Dominion Bank
POINT-OF-SALE DEVICE AND METHOD FOR GENERATING A DISCOUNTED AUTHORIZATION REQUEST

Abstract:

A POS device receives a first authorization value from an input device, and receives from a mobile device, via a LAN interface, a user identifier and a data structure that includes an adjustment value and a structure identifier. The POS device transmits the data structure and the user identifier to a validation server, via a WAN interface. The POS device receives from the validation server, via the WAN interface, confirmation that the validation server had previously saved the structure identifier of the data structure in a database in association with the user identifier. The POS device recovers the adjustment value from the data structure, generates a second authorization value from a difference between the first authorization value and the adjustment value, and transmits an authorization request message over a payment network via the WAN interface. The authorization request message includes the second authorization value.