# US 11,122,113 B2 · System and method for transferring value between database records > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,122,113 B2 - Document ID: US11122113B2 - Status: Granted - Kind: B2 - Application number: 16/700,175 - Filed: 2019-12-02 - Published: 2020-04-02 - Granted: 2021-09-14 - Earliest claimed: 2017-10-03 - Assignees: The Toronto-Dominion Bank - Applicants: The Toronto-Dominion Bank - Inventors: Adam Douglas McPhee; Matta Wakim; Aaron Stuart; Arun Victor Jagga - Web page: https://patentgrep.com/patent/US11122113B2 ## CPC - H04L 67/10: in which an application is distributed across nodes in the network (software deployment G06F8/60; multiprogramming arrangements G06F9/46) - G06F 16/27: Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor - G06F 16/951: Indexing; Web crawling techniques - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 40/12: Accounting - H04L 67/1097: for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS] - G06F 3/0484: for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - 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 computer system for transferring value between database records includes a memory storing instructions that, when executed by a processor, cause the computer system to: receive configuration options for configuring a particular transfer of value between database records and specifying a graphical element to be provided upon completion of the transfer and an email address; send a request to a communications server including the email address for use as a destination for a communication indicating that the transfer has been initiated including an indication of an identifier for the transfer; store an indication of the graphical element in association with the identifier; receive a request to complete the transfer indicating the identifier; retrieve the indication of the graphical element based on the identifier; confirm the transfer; and send a reply indicating completion of the transfer including an indication of the retrieved indication of the graphical element. ## Claims ### Claim 1 A computer system comprising: a processor; and a memory coupled to the processor and storing instructions that, when executed by the processor, cause the computer system to: receive, from a first remote electronic device being employed to initiate an electronic funds transfer, one or more configuration options for configuring the electronic funds transfer, the configuration options specifying a graphical element selected using the first remote electronic device for display at a second remote electronic device used to complete the electronic funds transfer upon completion of the electronic funds transfer and an address; initiate the electronic funds transfer, the initiation of the electronic funds transfer triggering a communication to the address indicating that the electronic funds transfer has been initiated; and store an indication of the graphical element in association with an identifier for the electronic funds transfer, wherein storing the indication of the graphical element in association with the identifier for the electronic funds transfer allows retrieval of the indication of the graphical element based on the identifier for signaling the second remote electronic device to display the graphical element on the second remote electronic device to indicate completion of the electronic funds transfer. ### Claim 2 (depends on 1) The computer system of claim 1, wherein the address is an email address. ### Claim 3 (depends on 1) The computer system of claim 1, wherein the instructions, when executed by the processor, further cause the computer system to identify a first financial account to act as a source for the electronic funds transfer. ### Claim 4 (depends on 3) The computer system of claim 3, wherein receiving the one or more configuration options comprises: receiving a configuration option specifying the address; and determining that the address is associated with a second financial account and that the first and second financial accounts are both associated with the same financial institution, wherein the graphical element is selected further to the determination that the address is associated with the second financial account and that the first and second financial accounts are both associated with the same financial institution. ### Claim 5 (depends on 4) The computer system of claim 4, wherein determining that the address is associated with the second financial account includes determining that the address has been specified as a configuration option in one or more previous electronic funds transfers involving the second financial account. ### Claim 6 (depends on 3) The computer system of claim 3 wherein the instructions, when executed by the processor, cause the computer system to identify a second financial account acting as a destination for the electronic funds transfer. ### Claim 7 (depends on 6) The computer system of claim 6, wherein the second financial account is identified based on a request to complete the electronic funds transfer. ### Claim 8 (depends on 1) The computer system of claim 1, wherein the graphical element includes at least one of an image and an animation. ### Claim 9 A computer-implemented method comprising: receiving, from a first remote electronic device being employed to initiate an electronic funds transfer, one or more configuration options for configuring anthe electronic funds transfer, the configuration options specifying a graphical element selected using the first remote electronic device for display at a second remote electronic device used to complete the electronic funds transfer upon completion of the electronic funds transfer and an address; initiating the electronic funds transfer, the initiation of the electronic funds transfer triggering a communication to the address indicating that the electronic funds transfer has been initiated; and storing an indication of the graphical element in association with an identifier for the electronic funds transfer, wherein storing the indication of the graphical element in association with the identifier for the electronic funds transfer allows retrieval of the indication of the graphical element based on the identifier for signaling the second remote electronic device to display the graphical element on the second remote electronic device to indicate completion of the electronic funds transfer. ### Claim 10 (depends on 9) The computer-implemented method of claim 9, wherein the address is an email address. ### Claim 11 (depends on 9) The computer-implemented method of claim 9, further comprising: identifying a first financial account to act as a source for the electronic funds transfer. ### Claim 12 (depends on 11) The computer-implemented method of claim 11, wherein receiving the one or more configuration options comprises: receiving a configuration option specifying the address; and determining that the address is associated with a second financial account and that the first and second financial accounts are both associated with the same financial institution, wherein the graphical element is selected further to the determination that the address is associated with the second financial account and that the first and second financial accounts are both associated with the same financial institution. ### Claim 13 (depends on 12) The computer-implemented method of claim 12, wherein determining that the address is associated with the second financial account includes determining that the address has been specified as a configuration option in one or more previous electronic funds transfers involving the second financial account. ### Claim 14 (depends on 11) The computer-implemented method of claim 11, further comprising: identifying a second financial account acting as a destination for the electronic funds transfer. ### Claim 15 (depends on 14) The computer-implemented method of claim 14, wherein the second financial account is identified based on a request to complete the electronic funds transfer. ### Claim 16 (depends on 9) The computer-implemented method of claim 9, wherein the graphical element includes at least one of an image and an animation. ### Claim 17 A non-transitory computer-readable storage medium storing instructions that when executed by a processor of a computer system cause the computer system to: receive, from a first remote electronic device being employed to initiate an electronic funds transfer, one or more configuration options for configuring the electronic funds transfer, the configuration options specifying a graphical element selected using the first remote electronic device for display at a second remote electronic device used to complete the electronic funds transfer upon completion of the electronic funds transfer and an address; initiate the electronic funds transfer, the initiation of the electronic funds transfer triggering a communication to the address indicating that the electronic funds transfer has been initiated; and store an indication of the graphical element in association with an identifier for the electronic funds transfer, wherein storing the indication of the graphical element in association with the identifier for the electronic funds transfer allows retrieval of the indication of the graphical element based on the identifier for signaling the second remote electronic device to display the graphical element on the second remote electronic device to indicate completion of the electronic funds transfer. ### Claim 18 (depends on 17) The computer-readable storage medium of claim 17, wherein the address is an email address. ### Claim 19 (depends on 17) The computer-readable storage medium of claim 17, wherein the instructions, when executed, further cause the computer system to identify a first financial account to act as a source for the electronic funds transfer, and wherein receiving the one or more configuration options comprises: receiving a configuration option specifying the address; and determining that the address is associated with a second financial account and that the first and second financial accounts are both associated with the same financial institution, wherein the graphical element is selected further to the determination that the address is associated with the second financial account and that the first and second financial accounts are both associated with the same financial institution. ### Claim 20 (depends on 17) The computer-readable storage medium of claim 17, wherein the graphical element includes at least one of an image and an animation.