The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jan. 03, 2023
Filed:
Nov. 09, 2020
The Toronto-dominion Bank, Toronto, CA;
Dino D'Agostino, Richmond Hill, CA;
Perry Aaron Jones Haldenby, Toronto, CA;
Dean Tseretopoulos, Toronto, CA;
Jeffrey Ecker, North York, CA;
Adam Douglas Mcphee, Waterloo, CA;
Milos Dunjic, Oakville, CA;
John Jong-Suk Lee, Toronto, CA;
Arun Victor Jagga, Toronto, CA;
The Toronto-Dominion Bank, Toronto, CA;
Abstract
The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data in real-time based on dynamically generated tokenized data. For example, an apparatus may receive first positional data identifying a first geographic position of a client device and based on the first positional data, the apparatus may determine a value of a parameter characterizing an exchange of data between the client device and a terminal device disposed proximate to the client device during a temporal interval. The apparatus may transmit data requesting a pre-authorization of the data exchange to a computing system, which perform operations that pre-authorize the data exchange in accordance with the parameter value and transmit a digital token representative of the pre-authorized data exchange to the terminal device. The digital token may be valid during the temporal interval and may include a cryptogram associated with the client device.