US 12,293,343 B2
Immediate release of resource for data transfer
Christopher Mark Jones, Villanova, PA (US); and Marc Samuel Chalifoux, Toronto (CA)
Assigned to The Toronto-Dominion Bank, Toronto (CA)
Filed by The Toronto-Dominion Bank, Toronto (CA)
Filed on Jul. 12, 2023, as Appl. No. 18/350,903.
Application 18/350,903 is a continuation of application No. 17/381,321, filed on Jul. 21, 2021, granted, now 11,763,279.
Application 17/381,321 is a continuation of application No. 16/431,796, filed on Jun. 5, 2019, granted, now 11,100,480, issued on Aug. 24, 2021.
Prior Publication US 2023/0360013 A1, Nov. 9, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01); G07F 19/00 (2006.01)
CPC G06Q 20/1085 (2013.01) [G07F 19/202 (2013.01); G07F 19/203 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer system comprising:
a communications module;
a processor coupled to the communications module; and
a memory coupled to the processor storing instructions that, when executed by the computer system, cause the computer system to:
receive, without authentication with a user and from a computing device and via the communications module and during a session initiated without requiring authentication, an indication of a deposit by the user;
save, in the memory, a retention instruction including an associated temporal period, the retention instruction preventing withdrawal corresponding to an amount of the deposit;
receive, via the communications module, an instruction to process a payment to a recipient, the payment to the recipient accessing at least a portion of the deposit; and
process the payment to the recipient during the temporal period using at least the portion of the deposit.