# US 2019/0172038 A1 · Real-time delegated approval of initiated data exchanges by network-connected devices

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- Number: US 2019/0172038 A1
- Document ID: US20190172038A1
- Status: Published application
- Kind: A1
- Application number: 15/831,149
- Filed: 2017-12-04
- Published: 2019-06-06
- Earliest claimed: 2017-12-04
- Assignees: The Toronto-Dominion Bank
- Applicants: The Toronto-Dominion Bank
- Inventors: Milos Dunjic; Perry Aaron Jones Haldenby; Arthur Carroll Chow; David Samuel Tax; John Jong-Suk Lee; Arun Victor Jagga
- Web page: https://patentgrep.com/patent/US20190172038A1

## CPC

- G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR}
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/229: {Hierarchy of users of accounts}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/405: {Establishing or using transaction specific rules}
- 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

The disclosed embodiments include computer-implemented systems, apparatuses, and processes that perform a real-time delegated approval of initiated data exchanges by network-connected devices. For example, an apparatus determines determine a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange, and generates and transmits a first signal to a communications device associated with a second data type available for use in the data exchange and associated with the first data type. The apparatus receives, from the communications device, a second signal that includes information indicative of an approval of the second data type for use in the data exchange, and in response to the received approval, the apparatus performs the data exchange using the second data type and in accordance with the parameter value.

## Claims

### Claim 1

An apparatus, comprising:
a communications unit;
a storage unit storing instructions; and
at least one processor coupled to the communications unit and the storage unit, the at least one processor being configured to execute the instructions to:
determine a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange;
generate and transmit, via the communications unit, a first signal to a communications device associated with a second data type available for use in the data exchange, the second data type being associated with the first data type;
receive a second signal from the communications device via the communications unit, the second signal comprising information indicative of an approval of the second data type for use in the data exchange; and
in response to the received approval, perform the data exchange using the second data type and in accordance with the parameter value.

### Claim 2 (depends on 1)

The apparatus of claim 1, wherein the at least one processor is further configured to:
access and load, from the storage unit, eligibility data associated with the first data type; and
based on portions of the eligibility data, generate and transmit the first signal to the communications device associated with the second data type.

### Claim 3 (depends on 2)

The apparatus of claim 2, wherein the at least one processor is further configured to:
determine an inconsistency between the parameter value that characterizes the data exchange and a delegation criterion associated with the first data type; and
in response to the determined inconsistency, generate and transmit, via the communications unit, the first signal to the communications device associated with the second data type.

### Claim 4 (depends on 2)

The apparatus of claim 2, wherein the at least one processor is further configured to:
determine a consistency between the parameter value that characterizes the data exchange and a delegation criterion associated with the first data type; and
in response to the determined consistency, perform the data exchange using the first data type and in accordance with the parameter value.

### Claim 5 (depends on 2)

The apparatus of claim 2, wherein the eligibility data comprises a delegation criterion associated with the first data type.

### Claim 6 (depends on 2)

The apparatus of claim 2, wherein the at least one processor is further configured to:
receive, via the communications unit, a third signal comprising a portion of the eligibility data, the third signal being received through a programmatic interface; and
store the portion of the eligibility data within the storage unit.

### Claim 7 (depends on 1)

The apparatus of claim 1, wherein the at least one processor is further configured to receive, via the communications unit, a third signal comprising further information characterizing the data exchange, the further information comprising the parameter value.

### Claim 8 (depends on 1)

The apparatus of claim 1, wherein:
the data exchange is initiated at a terminal device; and
the at least one processor is further configured to generate and transmit a third signal to the terminal device via the communications unit, the third signal comprising status data that reflects a pending performance of the data exchange using the second data type.

### Claim 9 (depends on 8)

The apparatus of claim 8, wherein the at least one processor is further configured to generate and transmit, via the communications unit, a fourth signal to the terminal device that includes modified status data, the modified status data reflecting the performance of the initiated data exchange using the second data type.

### Claim 10 (depends on 1)

The apparatus of claim 1, wherein the first signal comprises the parameter value of the data exchange, the second data type, and information that instructs an application program executed by the communications device to present the parameter value and the second data type on a corresponding interface.

### Claim 11

A computer-implemented method, comprising:
determining, by at least one processor, a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange;
generating and transmitting, by the at least one processor, a first signal to a communications device associated with a second data type available for use in the data exchange, the second data type being associated with the first data type;
receiving, by the at least one processor, a second signal from the communications device, the second signal comprising information indicative of an approval of the second data type for use in the data exchange; and
in response to the received approval, performing, by the at least one processor, the data exchange using the second data type and in accordance with the parameter value.

### Claim 12 (depends on 11)

The computer-implemented method of claim 11, wherein:
the data exchange is initiated at a terminal device; and
the method further comprises:
generating and transmitting a third signal to the terminal device, the third signal comprising status data that reflects a pending performance of the data exchange using the second data type; and
generating and transmitting a fourth signal to the terminal device that includes modified status data, the modified status data reflecting the performance of the initiated data exchange using the second data type.

### Claim 13

An apparatus, comprising:
a communications unit;
a storage unit storing instructions; and
at least one processor coupled to the communications unit and the storage unit, the at least one processor being configured to execute the instructions to:
determine a first data type involved in a data exchange initiated at a terminal device;
generate and transmit a first signal to the terminal device via the communications unit, the first signal comprising status data that reflects a pending performance of the data exchange using a second data type, the second data type available for use in the data exchange and being associated with the first data type;
receive, via the communications unit, a second signal from a communications device associated with the second data type, the second signal comprising information indicative of an approval of the second data type for use in the data exchange; and
in response to the received approval, generate and transmit a third signal to the terminal device via the communications unit, the third signal comprising modified status data reflecting a performance of the initiated data exchange using the second data type, and the third signal further comprising further information that instructs the terminal device to modify local status data to reflect the modified status data.

### Claim 14 (depends on 13)

The apparatus of claim 13, wherein the at least one processor is further configured to:
determine a value of a parameter that characterizes the data exchange; and
in response to the received approval, perform the data exchange using the second data type and in accordance with the parameter value.

### Claim 15 (depends on 13)

The apparatus of claim 13, wherein the at least one processor is further configured to generate and transmit, via the communications unit, a third signal to the communications device associated with the second data type, the third signal comprising the parameter value and the second data type.

### Claim 16 (depends on 15)

The apparatus of claim 15, wherein the third signal further comprises information that instructs an application program executed by the communications device to present the parameter value on a corresponding interface.

### Claim 17 (depends on 15)

The apparatus of claim 15, wherein the at least one processor is further configured to:
access and load, from the storage unit, eligibility data associated with the first data type; and
based on portions of the eligibility data, generate and transmit the third signal to the communications device associated with the second data type via the communications unit.

### Claim 18 (depends on 17)

The apparatus of claim 17, wherein the at least one processor is further configured to:
determine an inconsistency between the parameter value that characterizes the data exchange and a delegation criterion associated with the first data type; and
in response to the determined inconsistency, generate and transmit, via the communications unit, the third signal to the communications device associated with a second data type.

### Claim 19 (depends on 17)

The apparatus of claim 17, wherein the at least one processor is further configured to:
determine a consistency between the parameter value that characterizes the data exchange and a delegation criterion associated with the first data type; and
in response to the determined consistency, perform the data exchange using the first data type and in accordance with the parameter value.

### Claim 20 (depends on 17)

The apparatus of claim 17, wherein:
the eligibility data comprises a delegation criterion associated with the first data type; and
the at least one processor is further configured to:
receive, via the communications unit, a fourth signal comprising a portion of the eligibility data, the fourth signal being received through a programmatic interface; and
store the portion of the eligibility data within the storage unit.