# US 10,503,394 B2 · System and method for facilitating access to electronic data > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,503,394 B2 - Document ID: US10503394B2 - Status: Granted - Kind: B2 - Application number: 15/286,479 - Filed: 2016-10-05 - Published: 2018-04-05 - Granted: 2019-12-10 - Earliest claimed: 2016-10-05 - Assignees: The Toronto-Dominion Bank - Applicants: The Toronto-Dominion Bank - Inventors: Garima Aggarwal; Hisham Ibrahim Salama; Rakesh Thomas Jethwa; Paul Mon-Wah Chan; John Jong Suk Lee; Dean C. N. Tseretopoulos; Amber Rose Cossitt - Web page: https://patentgrep.com/patent/US10503394B2 ## CPC - G06F 3/04883: for inputting data by handwriting, e.g. gesture or text - G06F 21/31: User authentication - G06Q 20/108: {Remote banking, e.g. home banking} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/326: {Payment applications installed on the mobile devices} - G06Q 20/403: {Solvency checks} - G06Q 20/405: {Establishing or using transaction specific rules} - G06F 2203/04105: Pressure sensors for measuring the pressure or force exerted on the touch surface without providing the touch position - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received. ## Claims ### Claim 1 A computing device for facilitating access to electronic data, the computing device comprising a processor coupled to a memory, a communications module and an input device, the memory storing computer executable instructions that when executed by the processor cause the processor to: receive a first input from the input device representing a request from a request initiator to access funds for use in a transaction; request and receive, via the communications module, financial health data associated with the request initiator; determine a second input for accessing the funds, the second input to be received from the input device and having a complexity of completion via the input device that is dependent on the financial health data; enable the input device to receive the second input according to the determined complexity; and facilitate access to the funds when the second input is completed. ### Claim 2 (depends on 1) The computing device of claim 1, wherein the financial health data comprises budgeting data, and the complexity of the second input is dependent on whether use of the funds meets the budgeting data. ### Claim 3 (depends on 1) The computing device of claim 1, wherein the computer executable instructions further cause the processor to obtain context data of the transaction, and the complexity of the second input is further dependent on the context data. ### Claim 4 (depends on 1) The computing device of claim 1, wherein the input device comprises a touch-sensitive display, the second input comprises a gesture on the touch-sensitive display, and the complexity of the second input comprises at least one of: a frequency of taps, a degree of force of the gesture, a duration of the gesture, and a pattern of the gesture. ### Claim 5 (depends on 4) The computing device of claim 4, wherein receiving the second input comprises: receiving the gesture from a capacitive touch-sensitive overlay of the touch-sensitive display; evaluating a property of the gesture used in defining the complexity of the second input; and determining the property of the gesture satisfies the complexity of the second input. ### Claim 6 (depends on 1) The computing device of claim 1, wherein the second input comprises a movement of the computing device. ### Claim 7 (depends on 6) The computing device of claim 6 further comprising an accelerometer, and wherein receiving the second input comprises: receiving a signal generated by the accelerometer in response to detecting the movement of the computing device; and determining from the signal that the movement satisfies the complexity of the second input. ### Claim 8 (depends on 1) The computing device of claim 1, wherein requesting and receiving the financial health data comprises: sending a request for the financial health data to a server, the request comprising information on the transaction; and receiving a response from the server comprising the financial health data, the financial health data incorporating a result of using the requested funds in the transaction. ### Claim 9 A method of facilitating access to electronic data, the method being executed by a processor of a computing device, the computing device comprising the processor coupled to a memory, a communications module, and an input device, the method comprising: receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction; requesting and receiving, via the communications module, financial health data associated with the request initiator; determining a second input for accessing the funds, the second input to be received from the input device and having a complexity of completion via the input device that is dependent on the financial health data; enabling the input device to receive the second input according to the determined complexity; and facilitating access to the funds when the second input is completed. ### Claim 10 (depends on 9) The method of claim 9, wherein the financial health data comprises budgeting data, and the complexity of the second input is dependent on whether use of the funds meets the budgeting data. ### Claim 11 (depends on 9) The method of claim 9 further comprising obtaining context data of the transaction, and wherein the complexity of the second input is further dependent on the context data. ### Claim 12 (depends on 9) The method of claim 9, wherein the input device comprises a touch-sensitive display, the second input comprises a gesture on the touch-sensitive display, and the complexity of the second input comprises at least one of: a frequency of taps, a degree of force of the gesture, a duration of the gesture, and a pattern of the gesture. ### Claim 13 (depends on 12) The method of claim 12, wherein receiving the second input comprises: receiving the gesture from a capacitive touch-sensitive overlay of the touch-sensitive display; evaluating a property of the gesture used in defining the complexity of the second input; and determining the property of the gesture satisfies the complexity of the second input. ### Claim 14 (depends on 9) The method of claim 9, wherein the second input comprises a movement of the computing device. ### Claim 15 (depends on 14) The method of claim 14, wherein the computing device further comprises an accelerometer, and receiving the second input comprises: receiving a signal generated by the accelerometer in response to detecting the movement of the computing device; and determining from the signal that the movement satisfies the complexity of the second input. ### Claim 16 (depends on 9) The method of claim 9, wherein requesting and receiving the financial health data comprises: sending a request for the financial health data to a server, the request comprising information on the transaction; and receiving a response from the server comprising the financial health data, the financial health data incorporating a result of using the requested funds in the transaction. ### Claim 17 A non-transitory computer readable medium for facilitating access to electronic data, the computer readable medium comprising computer executable instructions for: receiving a first input from an input device representing a request from a request initiator to access funds for use in a transaction; requesting and receiving financial health data associated with the request initiator; determining a second input for accessing the funds, the second input to be received from the input device and having a complexity of completion via the input device that is dependent on the financial health data; enabling the input device to receive the second input according to the determined complexity; and facilitating access to the funds when the second input is completed. ### Claim 18 (depends on 17) The non-transitory computer readable medium of claim 17, wherein the financial health data comprises budgeting data, and the complexity of the second input is dependent on whether use of the funds meets the budgeting data. ### Claim 19 (depends on 17) The non-transitory computer readable medium of claim 17 further comprising computer executable instructions for obtaining context data of the transaction, and wherein the complexity of the second input is further dependent on the context data. ### Claim 20 (depends on 17) The non-transitory computer readable medium of claim 17, wherein the input device comprises a touch-sensitive display, the second input comprises a gesture on the touch-sensitive display, and the complexity of the second input comprises at least one of: a frequency of taps, a degree of force of the gesture, a duration of the gesture, and a pattern of the gesture.