US 12,248,933 B2
System and method for provisioning a data transfer application
Adrian Bloy, Toronto (CA); Ryan Edmund Vekeman, Ottawa (CA); Connie Maun-Fong Chan, Ottawa (CA); Sebastien Forget, Toronto (CA); Daniel Lam Tin Cheung, Richmond Hill (CA); John Jong-Suk Lee, Toronto (CA); and Arun Victor Jagga, Toronto (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on May 16, 2022, as Appl. No. 17/744,966.
Application 17/744,966 is a continuation of application No. 15/708,887, filed on Sep. 19, 2017, granted, now 11,367,070.
Prior Publication US 2022/0277297 A1, Sep. 1, 2022
Int. Cl. G06Q 20/38 (2012.01); G06F 9/54 (2006.01); G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); H04L 67/00 (2022.01); H04L 67/1097 (2022.01)
CPC G06Q 20/385 (2013.01) [G06F 9/547 (2013.01); G06Q 20/10 (2013.01); G06Q 20/32 (2013.01); G06Q 20/326 (2020.05); G06Q 20/3821 (2013.01); G06Q 20/401 (2013.01); H04L 67/34 (2013.01); G06Q 2220/00 (2013.01); H04L 67/1097 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A computer system comprising:
a processor;
a communications module, coupled to the processor, for communicating with one or more computer networks; and
a memory coupled to the processor and storing instructions that, when executed by the processor, cause the processor to:
receive, via the communications module and from a mobile device, a provisioning request for provisioning the mobile device with a data transfer method corresponding to a new data transfer account in real-time;
in response to receiving the provisioning request, send, via the communications module and through a first encrypted network connection, a first application programming interface call to an application programming interface associated with a remote server that is associated with the data transfer method, the first application programming interface call being in a first format associated with the remote server and including a request for a data transfer identifier associated with the data transfer method for the new data transfer account;
obtain, in real-time and in response to the first application programming interface call, the data transfer identifier associated with the data transfer method for the new data transfer account;
send, via the communications module and through a second encrypted network connection, a second application programming interface call to an application programming interface associated with a token service provider, the second application programming interface call being in a second format associated with the token service provider that is different than the first format and including a request for a data transfer token associated with the data transfer identifier;
receive, via the communications module and in response to the second application programming interface call, the data transfer token that includes a tokenized data transfer identifier based on the data transfer identifier;
provision the mobile device for data transfer using the data transfer method by sending, via the communications module and to the mobile device, a reply to the provisioning request that includes the data transfer token that includes the tokenized data transfer identifier based on the data transfer identifier thereby avoiding sending the data transfer identifier to the mobile device;
receive, via the communications module and from the mobile device, a request for data transfer that includes the data transfer token; and
complete the data transfer based on the received data transfer token and according to the data transfer method.