Invention Grant
- Patent Title: Real-time authorization of initiated data exchanges based on tokenized data having limited temporal or geographic validity
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Application No.: US17147535Application Date: 2021-01-13
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Publication No.: US11544694B2Publication Date: 2023-01-03
- Inventor: Dino D'Agostino , Perry Aaron Jones Haldenby , Dean C. N. Tseretopoulos , Jeffrey Aaron Ecker , Adam Douglas McPhee , Milos Dunjic , John Jong-Suk Lee , Arun Victor Jagga
- Applicant: The Toronto-Dominion Bank
- Applicant Address: CA Toronto
- Assignee: The Toronto-Dominion Bank
- Current Assignee: The Toronto-Dominion Bank
- Current Assignee Address: CA Toronto
- Agency: Duane Morris LLP
- Main IPC: G06Q20/32
- IPC: G06Q20/32 ; H04W12/64 ; G06Q20/38 ; G06Q20/40 ; H04W4/02

Abstract:
The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.
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