Patent ID: 11895095
Assignee: THE TORONTO-DOMINION BANK
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 13:
14. An apparatus, comprising:
a communications unit;
a storage unit storing instructions; and
at least one processor coupled to the communications unit and the storage unit, the at least one processor being configured to execute the instructions to:
receive, via the communications unit, a first cryptogram associated with an exchange of data initiated at a first device from a second device, the second device being configured to receive at least a portion of the first cryptogram from the first device;
transmit the first cryptogram to a computing system via the communications unit, the computing system being associated with an application program executed by the first device, the computing system being configured to perform operations that authorize the initiated data exchange based on a comparison of the first cryptogram and a second cryptogram, and the second cryptogram being indicative of a prior authentication of an identity of the first device by the executed application program; and
receive, via the communications unit, data indicative of the authorization of the initiated data exchange, and based on the data, perform operations consistent with the authorized data exchange.