Patent ID: 11956244
Assignee: THE TORONTO-DOMINION BANK
Field: Digital communication (Electrical engineering)
Classification: CPC H | IPC H

Claim 9:
10. A computer-implemented method comprising:
receiving, via a communications module and from a computing device, a signal representing a request to transfer a first quantity of resources via a first authentication channel that requires a first type of authentication and is associated with a first threshold, the first threshold defining a first maximum quantity of resources that may be purchased using the first authentication channel, the request including identity data;
determining, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated within a particular time period via a second authentication channel that requires a second type of authentication and is associated with a second threshold that is different than the first threshold, the second threshold defining a second maximum quantity of resources that may be purchased using the second authentication channel, the second type of authentication different than the first type of authentication; and
responsive to determining that the request to transfer the second quantity of resources has been previously initiated via the second authentication channel that is different than the first authentication channel, performing an action that includes one of initiate the transfer of the first quantity of resources, initiate a transfer of a third quantity of resources, or reject the transfer of the first quantity of resources.