US2022092552A1PendingUtilityA1

System and method for secure data transfer

Assignee: TORONTO DOMINION BANKPriority: Dec 18, 2018Filed: Dec 3, 2021Published: Mar 24, 2022
Est. expiryDec 18, 2038(~12.4 yrs left)· nominal 20-yr term from priority
G06Q 10/1093H04L 51/48G06Q 20/382G06Q 30/02G06Q 10/02G06Q 20/102H04L 51/046G06Q 10/1095
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Claims

Abstract

In an aspect, a method includes: providing, to a first client device, an invitation configuration interface for display on the first client device, the invitation configuration interface including a selectable option to specify a date associated with an invitation for a milestone event, a selectable option to configure a value storage account, and a selectable option to define a recipient associated with the invitation; receiving, through the invitation configuration interface, a configuration parameter for the value storage account and a messaging address for the recipient; and providing an electronic invitation to the recipient by sending a message to a recipient device using the messaging address, the electronic invitation including a selectable option to send an electronic response to the invitation and a selectable option to transfer value to the value storage account.

Claims

exact text as granted — not AI-modified
What is claimed is: 
     
         1 . A server comprising:
 a communications module;   a processor coupled to the communications module; and   a memory coupled to the processor, the memory storing instructions which, when executed, configure the processor to:   provide, via the communications module and to a first client device, an invitation configuration interface, the invitation configuration interface including a selectable option to configure a value storage account and a selectable option to define a name for display on an electronic invitation;   receive, through the invitation configuration interface and via the communications module, one or more signals identifying the value storage account and the name for display on the electronic invitation;   validate the value storage account by confirming that a name associated with the identified value storage account corresponds to the name that is configured to be displayed on the electronic invitation; and   after successful validation of the value storage account, provide an electronic invitation to a recipient.   
     
     
         2 . The server of  claim 1 , wherein the electronic invitation includes a selectable option to transfer value to the value storage account. 
     
     
         3 . The server of  claim 1 , wherein the invitation configuration interface includes a selectable option for defining a date for an event and wherein the one or more signals identify the date for the event, and wherein the selectable option to transfer value to the value storage account is configured for automatically configuring a date associated with the transfer with the date associated with the event. 
     
     
         4 . The server of  claim 3 , wherein the instructions further configure the processor to:
 after a transfer of value has been configured through selection of the selectable option to transfer value to the value storage account, determine that a current date matches the date of the event; and   in response to determining that the current date matches the date of the event, automatically send a message to a messaging address previously configured for a party associated with the event, the message notifying the party of the transfer of value.   
     
     
         5 . The server of  claim 4 , wherein the selectable option to transfer value to the value storage account, when selected, causes a selectable option to select a visual element to be provided by the server, and wherein the instructions further configure the processor to receive a signal representing a selection of a visual element, and wherein the message includes a selected visual element. 
     
     
         6 . The server of  claim 1 , wherein the instructions further configure the processor to: after determining that the selectable option to transfer value to the value storage account has been selected, send an electronic card configuration interface to the first client device, the electronic card configuration interface allowing for configuration of an electronic card to be sent to a party associated with the electronic invitation. 
     
     
         7 . The server of  claim 6 , wherein the instructions further configure the processor to:
 send via the communications module and to a messaging address previously configured for the party associated with the electronic invitation, a message configured for accessing the electronic card;   detect that the electronic card has been accessed; and   in response to detecting that the electronic card has been accessed, initiate a transfer of value.   
     
     
         8 . The server of  claim 6 , wherein the invitation configuration interface includes a selectable option for defining a date for an event and wherein the one or more signals identify the date for the event, and wherein the instructions further configure the processor to:
 determine that a current date matches the date of the event; and   in response to determining that the current date matches the date of the event, automatically send a message to a messaging address previously configured for the party associated with the event, the message configured for accessing the electronic card.   
     
     
         9 . The server of  claim 1 , wherein the instructions further configure the processor to:
 determine a suggested quantum of value to be transferred based on historical data for previously configured transfers of value; and   after selection of the selectable option to transfer value to the value storage account, causing a recipient device to display the suggested quantum of value to be transferred.   
     
     
         10 . The server of  claim 9 , wherein the suggested quantum of value to be transferred is determined based on a geographic region associated with an event. 
     
     
         11 . The server of  claim 9 , wherein the suggested quantum of value to be transferred is determined based on historical data for other recipients of invitations to the event. 
     
     
         12 . The server of  claim 9 , wherein the suggested quantum of value to be transferred is determined based on historical data for other recipients of invitations to other events of a same type as the event. 
     
     
         13 . The server of  claim 9 , wherein the instructions further configure the processor to:
 receive, via the communication module, an indication of an event type associated with the event,   and wherein the suggested quantum of value to be transferred is determined based on historical data for events having an event type corresponding to the event type specified in the received indication.   
     
     
         14 . The server of  claim 9 , wherein the invitation configuration interface includes a selectable option to configure a number of guests associated with the invitation and wherein the instructions further cause the processor to:
 receive, through the invitation configuration interface and via the communications module, an indication of the number of guests associated with the invitation,   and wherein the suggested quantum of value to be transferred is determined based on the indication of the number of guests associated with the invitation.   
     
     
         15 . A computer-implemented method comprising:
 providing, to a first client device, an invitation configuration, the invitation configuration interface including a selectable option to configure a value storage account and a selectable option to define a name for display on an electronic invitation;   receiving, through the invitation configuration interface, an indication of the value storage account and the name for display on the electronic invitation;   validating the value storage account by confirming that a name associated with the identified value storage account corresponds to the name that is configured to be displayed on the electronic invitation; and   after successful validation of the value storage account, providing an electronic invitation to a recipient.   
     
     
         16 . The computer-implemented method of  claim 15 , wherein the electronic invitation includes a selectable option to transfer value to the storage account. 
     
     
         17 . The computer-implemented method of  claim 15 , wherein the invitation configuration interface includes a selectable option for defining a date for an event and wherein the one or more signals identify the date for the event, and wherein the selectable option to transfer value to the value storage account is further configured for automatically configuring a date associated with the transfer with the date associated with the event. 
     
     
         18 . The computer-implemented method of  claim 17 , further comprising:
 after a transfer of value has been configured through selection of the selectable option to transfer value to the value storage account, determining that a current date matches the date of the event; and   in response to determining that the current date matches the date of the event, automatically sending a message to a messaging address previously configured for a party associated with the event, the message notifying the party of the transfer of value.   
     
     
         19 . The computer-implemented method of  claim 18 , wherein the selectable option to transfer value to the value storage account, when selected, causes a selectable option to select a visual element to be provided, and wherein the method further comprises:
 receiving a representing a selection of a visual element, and wherein the message includes the selected visual element.   
     
     
         20 . A non-transitory computer-readable storage medium comprising computer-executable instructions which, when executed, configure a processor to:
 provide invitation configuration interface that includes a selectable option to configure a value storage account and a selectable option to define a name for display on an electronic invitation;   receive, through the invitation configuration interface, one or more signals identifying the value storage account and the name for display on the electronic invitation;   validate the value storage account by confirming that a name associated with the identified value storage account corresponds to the name that is configured to be displayed on the electronic invitation; and   after successful validation of the value storage account, provide an electronic invitation to a recipient.

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