Patent ID: 11900132
Assignee: THE TORONTO-DOMINION BANK
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 18:
19. The method of claim 12, wherein:
the first data exchange comprises a first payment transaction;
the second data exchange comprises a second payment transaction;
the first and second payment transactions comprise a bill-payment transaction that funds an outstanding invoice or a peer-to-peer transaction;
the expected parameter values comprise: (i) an expected transaction date or time for the second payment transaction; (ii) a range of expected transaction dates or times for the second payment transaction; or (iii) an expected location for the second payment transaction, the expected parameter values being determined based on prior payment transactions involving the device;
the expected parameter values further comprise expected values of transaction parameters that characterize the second payment transaction, the expected transaction parameters comprising an expected transaction amount, a source financial services account that funs the second payment transaction, or a second financial services account designated to receive funds consistent with the expected transaction amount; and
the at least one processor further performs operations that, in response to the received input data, initiate the second payment transaction in accordance with the expected values of the transaction parameters.