The Toronto-dominion Bank

Ruby Walia

John Jong-Suk Lee

Milos Dunjic

Arun Victor Jagga

Dino Paul D'Agostino

Vipul Kishore Lalka

Denny Devasia Kuruvilla

Robert Alexander McCarter

Paige Elyse Dickie

Nadia Moretti

Dean Tseretopoulos

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically authorize pre-stages data exchanges based on contextual data. For example, an apparatus may receive first data characterizing an initiation of a first exchange of data between a client device and a terminal device. Based on the first data, the apparatus may obtain second data that characterizes an expected initiation of a second exchange of data during a corresponding temporal interval, which may be specified relative to an initiation time of the first data exchange. The apparatus may generate and transmit, to a computing system, pre-authorization data that requests a pre-authorization of the second data exchange to a computing system. The pre-authorization data may include a portion of the second data and may instruct the computing system to pre-authorize the second data exchange in accordance with the second data.

Dynamic authorization of pre-staged data exchanges based on contextual data

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Demarest, NJ, United States of America

Ruby Walia