US 12,206,656 B2
Method and apparatus with provider information access authorization
Ashraf Magdi Metwalli, Toronto (CA); Ashleigh Anne Mansfield Blain, London (CA); Mahendra Chhotubhai Rawal, London (CA); Joseph Matthew Capern, Toronto (CA); and Xiang Shen, Mississauga (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Sep. 9, 2022, as Appl. No. 17/941,670.
Application 17/941,670 is a continuation of application No. 16/839,191, filed on Apr. 3, 2020, granted, now 11,470,073.
Prior Publication US 2023/0006992 A1, Jan. 5, 2023
Int. Cl. H04L 9/40 (2022.01); G06F 21/62 (2013.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01)
CPC H04L 63/0815 (2013.01) [G06F 21/62 (2013.01); G06Q 20/385 (2013.01); G06Q 20/40145 (2013.01); H04L 63/0272 (2013.01)] 19 Claims
OG exemplary drawing
 
1. An apparatus, comprising:
a communications interface;
a memory storing instructions; and
at least one processor coupled to the communications interface and the memory, the at least one processor being configured to execute the instructions to:
transmit, via the communications interface, a digital token to a computing system, the computing system maintaining user information, the digital token being associated with a device operable by a user, and the digital token being indicative of a prior authorization of the apparatus to access a subset of the user information maintained by the computing system;
request and receive, via the communications interface, the subset of the user information based on the transmitted digital token; and
perform operations that execute an exchange of data initiated by the device based on a determined consistency between the subset of the user information and one or more execution conditions associated with data exchange.