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.

Date of Patent:
Feb. 13, 2024

Filed:

Aug. 11, 2021
Applicant:

The Toronto-dominion Bank, Toronto, CA;

Inventors:

Milos Dunjic, Oakville, CA;

Perry Aaron Jones Haldenby, Toronto, CA;

John Jong-Suk Lee, Toronto, CA;

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/02 (2012.01); G06Q 20/32 (2012.01); G06Q 20/20 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/204 (2013.01); G06Q 20/20 (2013.01); G06Q 20/3223 (2013.01);
Abstract

The disclosed embodiments include computer-implemented systems and processes that perform operations that initiate, approve, and execute exchanges of data between network-connected systems, apparatuses, and devices in a computing environment. For example, a network-connected apparatus may receive a first value of a parameter that characterizes an exchange of data initiated at a terminal device, identify a second value of the parameter allocated to the client device. In response to a determination that the first parameter value exceeds the second parameter value, the apparatus may request, and receive, parameter data from an application program executed by the at least one processor. The parameter data may identify a third value of the parameter allocated to the client device by the executed application program, and the apparatus may authorize, based on the second and third parameter values, a performance of the initiated data exchange in accordance with the first parameter value.


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