Patent ID: 11954690
Assignee: THE TORONTO-DOMINION BANK
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 9:
10. A computer-implemented method, comprising:
obtaining, by a server device, pending purchase transaction data involving a transaction account, the pending purchase transaction data including a first tokenized transaction account maintained at a client device;
obtaining, by the server device, location data identifying prior geographic positions of the client device and geographic positions of terminal devices that processed prior purchase transactions involving the transaction account;
the server device, performing operations that:
determine that a first update condition applies to the pending purchase transaction data;
determine that at least a first subset of the prior geographic positions of the client device are inconsistent with the geographic positions of the terminal devices;
determining, by the server device, that the subset matches the geographic positions of the terminal devices;
based on the determination that the subset matches the geographic positions of the terminal devices, delaying, by the server device, the update of the first tokenized transaction account data for a predetermined time period;
detecting, by the server device, that the predetermined time period has expired; and
in response to the detection that the predetermined time period has expired, updating, by the server device, the first tokenized transaction account; and

providing, by the server device, the updated first tokenized transaction account data to the client device.