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

Claim 0:
1. A system, comprising:
a communications interface;
at least one processor coupled to the communications interface;
a memory having computer executable instructions stored thereon that, when executed by the at least one processor, causes the at least one processor to perform the steps of:
obtaining 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 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;
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;
determine that at least a second subset of the prior geographic positions of the client device matches at least a portion of the geographic positions of the terminal devices;
based on the determination that the second subset matches at least the portion of the geographic positions of the terminal devices, delay an update of the first tokenized transaction account data for a predetermined time period;
detect that the predetermined time period has expired; and
in response to the detection that the predetermined time period has expired, perform the update of the first tokenized transaction account; and
providing the updated first tokenized transaction account data to the client device via the communications interface.