IP Library › Granted Patent US 12,430,629
Granted Patent B2
US 12,430,629 · App. 18/306,504 · Granted Sep 30, 2025

Initiating split data transfers at a terminal

Inventors: David Samuel Tax (Toronto, CA); Milos Dunjic (Oakville, CA); Derek Richard Castell (Hamilton, CA); Anthony Haituyen Nguyen (Toronto, CA); Bryan Michael Gleeson (Bowmanville, CA); Jeffrey Aaron Ecker (North York, CA)
Assignee: The Toronto-Dominion Bank
G06Q20/204G06Q20/325G06Q20/3276G06Q20/405
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Quick Facts
Patent No.
US 12,430,629
App. No.
18/306,504
Granted
Sep 30, 2025
Kind
B2
Abstract

A method may include: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address; in response to receiving the request, causing the device that scanned the machine-readable code to output an interface; receiving, through the interface, an input of an indication to separate the transaction into multiple transaction parts and one or more parameters indicating how the transaction is to be separated; and sending, to the point-of-sale terminal, a message that configures the point-of-sale terminal to separate the transaction in accordance with the one or more parameters. The parameters may include an image captured at the device that scanned the machine-readable code. The server may determine a number of transaction parts from the image using image recognition having facial recognition.

Claims (27)

1. A server comprising:

a communications module;

a processor coupled with the communications module; and

a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the server to:

receive an indication to separate a transaction at a point-of-sale terminal that displays a machine-readable code into multiple transaction parts and one or more parameters indicating how the transaction is to be separated, the one or more parameters including a plurality of identifiers for respective ones of the transaction parts, the plurality of identifiers are defined at a device that scanned the machine-readable code; and

in response to receiving the indication to separate the transaction at the point-of-sale terminal that displays a machine-readable code into multiple transaction parts, configure the point-of-sale terminal to output iterative prompts on the point-of-sale terminal for input of a physical token associated with respective transaction parts using the plurality of identifiers, wherein the iterative prompts are displayed one after another on the same point-of-sale terminal and wherein each of the iterative prompts displays separate one of the plurality of identifiers.

2. The server of claim 1 , wherein the machine-readable code encodes a base amount of the transaction.

3. The server of claim 1 , wherein the point-of-sale terminal processing the transaction displays a machine-readable code that encodes a transaction identifier.

4. The server of claim 1 , wherein the one or more parameters include an image captured at the device that scanned the machine-readable code displayed on the point-of-sale terminal, the image purporting to be of a plurality of individuals, each individual associated with a respective one of the transaction parts of the multiple transaction parts, and wherein the instructions configure the server to determine a number of the transaction parts from the image.

5. The server of claim 1 , wherein the plurality of identifiers includes a plurality of names.

6. The server of claim 1 , wherein the one or more parameters further include an indicator defining a respective size of each of the multiple transaction parts and wherein the iterative prompts each indicate a size of an associated one of the multiple transaction parts as defined by or determined from the indicator defining the respective size.

7. The server of claim 6 , wherein the indicator defining the respective size indicates that the transaction parts are to be equal parts.

8. The server of claim 6 , wherein the indicator defining the respective size associates each item that is related to the transaction with a respective one of the transaction parts.

9. The server of claim 8 , wherein the indicator defining the respective size associates items that are related to the transaction with respective transaction parts using an associated name.

10. The server of claim 6 , wherein the indicator defining the respective size indicates that the transaction parts are to be unequal parts.

11. The server of claim 4 , wherein the determining the number of the transaction parts from the image includes using image recognition, wherein the image recognition includes using facial recognition.

12. A method comprising:

receiving an indication to separate a transaction at a point-of-sale terminal that displays a machine-readable code into multiple transaction parts and one or more parameters indicating how the transaction is to be separated, the one or more parameters including a plurality of identifiers for respective ones of the transaction parts, the plurality of identifiers are defined at a device that scanned the machine-readable code;

in response to receiving the indication to separate the transaction at the point-of-sale terminal that displays a machine-readable code into multiple transaction parts, configuring the point-of-sale terminal to output iterative prompts on the point-of-sale terminal for input of a physical token associated with respective transaction parts using the plurality of identifiers, wherein the iterative prompts are displayed one after another on the same point-of-sale terminal and wherein each of the iterative prompts displays a separate one of the plurality of identifiers.

13. The method of claim 12 , wherein the machine-readable code encodes a base amount of the transaction.

14. The method of claim 12 , wherein the point-of-sale terminal processing the transaction displays a machine-readable code that encodes a transaction identifier.

15. The method of claim 12 , wherein the one or more parameters include an image captured at the device that scanned the machine-readable code displayed on the point-of-sale terminal, the image purporting to be of a plurality of individuals, each individual associated with a respective one of the transaction parts of the multiple transaction parts, and wherein the method further includes determining a number of the transaction parts from the image.

16. The method of claim 12 , wherein the plurality of identifiers includes a plurality of names.

17. The method of claim 12 , wherein the one or more parameters further include an indicator defining a respective size of each of the multiple transaction parts and wherein the iterative prompts each indicate a size of an associated one of the multiple transaction parts as defined by or determined from the indicator defining the respective size.

18. The method of claim 17 , wherein the indicator defining the respective size indicates that the transaction parts are to be equal parts.

19. The method of claim 17 , wherein the indicator defining the respective size associates each item that is related to the transaction with a respective one of the transaction parts.

20. The method of claim 17 , wherein the indicator defining the respective size indicates that the transaction parts are to be unequal parts.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 25, 2023
From: TAX, DAVID SAMUEL; DUNJIC, MILOS; CASTELL, DEREK RICHARD; NGUYEN, ANTHONY HAITUYEN; GLEESON, BRYAN MICHAEL; ECKER, JEFFREY AARON
To: THE TORONTO-DOMINION BANK
Reel/Frame 063432/0454 →
Continuity (2)
Continuation 17144599 · Jan 8, 2021
Related Publication 20230306400A1 · Sep 28, 2023
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