# US 12,008,541 B2 · Method and system for performing an operation > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,008,541 B2 - Document ID: US12008541B2 - Status: Granted - Kind: B2 - Application number: 18/076,864 - Filed: 2022-12-07 - Published: 2023-03-30 - Granted: 2024-06-11 - Earliest claimed: 2020-10-15 - Assignees: The Toronto-Dominion Bank - Applicants: The Toronto-Dominion Bank - Inventors: Robert Kyle Miller; Kevin Wayne Faragher; Malcolm Dinyar Jussawalla; Tomasz Pawelkiewicz; Karandeep Puri - Web page: https://patentgrep.com/patent/US12008541B2 ## CPC - G06Q 20/3221: {Access to banking information through M-devices} - G06Q 20/3265: {characterised by personalisation for use} - G06Q 20/108: {Remote banking, e.g. home banking} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/3821: {Electronic credentials} - G06Q 20/4014: {Identity check for transactions} - 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 server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to perform an operation from a user; determine that the user does not have a persistent account; and when it is determined that the user does not have a persistent account: obtain, via the communications module and from a digital identity network, a signal including verified identity data of the user; generate a temporary data record and associate the temporary data record with the verified identity data of the user; receive a value transfer based on the requested operation and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record. ## Claims ### Claim 1 A server comprising: a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to: send, via the communications module and to a computing device, a graphical user interface for display on the computing device that includes a toggle that is selectable via touch input to toggle between a first mode of operation that requires a persistent account and a second mode of operation that does not require the persistent account; receive, via the communications module and from the computing device, an indication of selection of the second mode of operation; and responsive to receiving the indication of selection of the second mode of operation, send, via the communications module and to the computing device, a graphical user interface for display on the computing device for requesting that the server perform one or more operations without requiring the persistent account. ### Claim 2 (depends on 1) The server of claim 1, wherein the instructions, when executed by the processor, further configure the processor to: receive, via the communication module and from the computing device, a request for the server to perform an operation without requiring the persistent account; and perform the operation without requiring the persistent account. ### Claim 3 (depends on 2) The server of claim 2, wherein the instructions, when executed by the processor, further configure the processor to: generate a temporary data record; receive a value transfer and store the received value in the temporary data record; and perform the operation using the stored value in the temporary data record. ### Claim 4 (depends on 3) The server of claim 3, wherein the instructions, when executed by the processor, further configure the processor to: obtain, via the communications module, verified identity data; and associate the temporary data record with the verified identity data. ### Claim 5 (depends on 4) The server of claim 4, wherein the verified identity data is obtained from a digital identity network. ### Claim 6 (depends on 3) The server of claim 3, wherein the instructions, when executed by the processor, further configure the processor to: in response to performing the operation, deactivate the temporary data record. ### Claim 7 (depends on 3) The server of claim 3, wherein the temporary data record is a single use data record. ### Claim 8 (depends on 2) The server of claim 2, wherein when performing the operation without requiring the persistent account the instructions, when executed by the processor, further configure the processor to: obtain account information of an account hosted by a third-party server; and send, via the communications module and to the third-party server, a request for a value transfer required to perform the operation. ### Claim 9 (depends on 8) The server of claim 8, wherein the account information is obtained, via the communications module, from a digital identity network. ### Claim 10 (depends on 1) The server of claim 1, wherein the instructions, when executed by the processor, further configure the processor to: determine that one or more of the operations includes a value transfer request greater than a threshold amount; and send, via the communications module and to the computing device, a graphical user interface for display on the computing device for requesting creation of the persistent account. ### Claim 11 (depends on 1) The server of claim 1, wherein the instructions, when executed by the processor, further configure the processor to: receive, via the communications module and from the computing device, an indication of selection of the first mode of operation; and responsive to receiving the indication of selection of the first mode of operation, send, via the communications module and to the computing device, a graphical user interface for display on the computing device for requesting login credentials for accessing the persistent account. ### Claim 12 (depends on 1) The server of claim 1, wherein the one or more operations without requiring the persistent account include at least one banking operation. ### Claim 13 A computer-implemented method comprising: sending, via a communications module and to a computing device, a graphical user interface for display on the computing device that includes a toggle that is selectable via touch input to toggle between a first mode of operation that requires a persistent account and a second mode of operation that does not require the persistent account; receiving, via the communications module and from the computing device, an indication of selection of the second mode of operation; and responsive to receiving the indication of selection of the second mode of operation, sending, via the communications module and to the computing device, a graphical user interface for display on the computing device for requesting that a server perform one or more operations without requiring the persistent account. ### Claim 14 (depends on 13) The computer-implemented method of claim 13, further comprising: receiving, via the communication module and from the computing device, a request for the server to perform an operation without requiring the persistent account; and performing the operation without requiring the persistent account. ### Claim 15 (depends on 14) The computer-implemented method of claim 14, further comprising: generating a temporary data record; receiving a value transfer and store the received value in the temporary data record; and performing the operation using the stored value in the temporary data record. ### Claim 16 (depends on 15) The computer-implemented method of claim 15, further comprising: obtaining, via the communications module, verified identity data; and associating the temporary data record with the verified identity data. ### Claim 17 (depends on 16) The computer-implemented method of claim 16, wherein the verified identity data is obtained from a digital identity network. ### Claim 18 (depends on 15) The computer-implemented method of claim 15, further comprising: in response to performing the operation, deactivating the temporary data record. ### Claim 19 (depends on 15) The computer-implemented method of claim 15, wherein the temporary data record is a single use data record. ### Claim 20 (depends on 14) The computer-implemented method of claim 14, wherein when performing the operation without requiring the persistent account the instructions, the method further comprises: obtaining account information of an account hosted by a third-party server; and sending, via the communications module and to the third-party server, a request for a value transfer required to perform the operation. ### Claim 21 (depends on 20) The computer-implemented method of claim 20, wherein the account information is obtained, via the communications module, from a digital identity network. ### Claim 22 (depends on 13) The computer-implemented method of claim 13, further comprising: determining that one or more of the operations includes a value transfer request greater than a threshold amount; and sending, via the communications module and to the computing device, a graphical user interface for display on the computing device for requesting creation of the persistent account. ### Claim 23 (depends on 13) The computer-implemented method of claim 13, further comprising: receiving, via the communications module and from the computing device, an indication of selection of the first mode of operation; and responsive to receiving the indication of selection of the first mode of operation, sending, via the communications module and to the computing device, a graphical user interface for display on the computing device for requesting login credentials for accessing the persistent account. ### Claim 24 (depends on 13) The computer-implemented method of claim 13, wherein the one or more operations without requiring the persistent account include at least one banking operation. ### Claim 25 A non-transitory computer readable storage medium comprising computer-executable instructions which, when executed, configure a processor of a server to: send, via a communications module and to a computing device, a graphical user interface for display on the computing device that includes a toggle that is selectable via touch input to toggle between a first mode of operation that requires a persistent account and a second mode of operation that does not require the persistent account; receive, via the communications module and from the computing device, an indication of selection of the second mode of operation; and responsive to receiving the indication of selection of the second mode of operation, send, via the communications module and to the computing device, a graphical user interface for display on the computing device for requesting that the server perform one or more operations without requiring the persistent account.