Patent ID: 11972421
Assignee: THE TORONTO-DOMINION BANK
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A computing system for effecting a secure event, the computing system comprising:
a delivery entity computing system associated with a delivery entity, a delivery entity identifier, and a delivery entity geographic location;
a memory storing first computer-executable instructions; and
a processing device coupled to the memory, the first computer-executable instructions when executed by the processing device causing the processing device to perform operations comprising:
receiving, over a network, a transaction request to receive at least one payload from a requesting entity computing system associated with a requestor entity, the transaction request comprising a requesting entity identifier, a requestor geographic location identifier, at least one transaction payload attribute, and at least one transaction attribute;
transmitting, over the network, the transaction request to the delivery entity computing system;
generating an encryption key, a random number and a unique request identifier;
receiving, over the network, a delivery transaction confirmation from the delivery entity computing system;
in response to receiving the delivery transaction confirmation, verifying the secure event;
receiving, over the network, a requestor transaction confirmation from the requesting entity computing system, the requestor transaction confirmation indicating a verified transfer of the at least one payload from the delivery entity to the requestor entity;
after receipt of the requestor transaction confirmation, transferring a payload reimbursement from a requestor transaction account associated with the requestor entity to a delivery transaction account associated with the delivery entity;
prior to the receipt of the transaction request:
generating a requestor account profile in response to receiving a registration request from the requesting entity computing system, wherein the registration request comprises at least one payment method, and
verifying the at least one payment method and program eligibility of the requestor entity;

after the receipt of the delivery transaction confirmation:
splitting the encryption key into a requestor entity key portion and a delivery entity key portion;
splitting the random number into a requestor entity number portion and a delivery entity number portion;
generating a requestor matrix code, the requestor matrix code comprising the requestor entity number portion, the unique request identifier, the requesting entity identifier, and the requestor entity key portion;
generating a delivery matrix code, the delivery matrix code comprising the delivery entity number portion, the unique request identifier, the delivery entity identifier, and the delivery entity key portion; and
transmitting, over the network, the requestor matrix code to the requesting entity computing system and the delivery matrix code to the delivery entity computing system;

wherein the delivery entity computing system comprises a delivery entity memory storing second computer-executable instructions and a delivery entity processing device coupled to the delivery entity memory, the second computer-executable instructions when executed by the delivery entity processing device causing the delivery entity processing device to perform operations comprising:
when the requesting entity computing system and the delivery entity computing system are geographically proximate, in accordance with the requestor geographic location identifier;
reading the requestor matrix code to obtain the requestor entity key portion and the requestor entity number portion;
combining the obtained requesting entity key portion with the delivery entity key portion to obtain a complete delivery encryption key and combining the requestor entity number portion with the delivery entity number portion to obtain a complete delivery random number;
generating a delivery cryptogram based on the complete delivery entity encryption key, the complete delivery random number, the unique request identifier, the requesting entity identifier, the at least one transaction payload attribute and the at least one transaction attribute, wherein the delivery transaction confirmation comprises the delivery cryptogram; and
transmitting, over the network, the delivery cryptogram to the processing device of the computing system for effecting the secure event; and

wherein in verifying the transaction, the first computer-executable instructions when executed by the processing device of the computing system for effecting the secure event further cause the processing device to perform operations comprising:
generating a verification cryptogram based on the encryption key, the random number, the unique request identifier, the requesting entity identifier, the delivery entity identifier, the at least one transaction payload attribute and the at least one transaction attribute;
using the encryption key, decrypting both the received delivery cryptogram, thereby generating a delivery cryptogram result, and the verification cryptogram, thereby generating a verification cryptogram result;
comparing the delivery cryptogram result with the verification cryptogram result;
when the delivery cryptogram result matches the verification cryptogram result, transmitting a transaction verification confirmation to the delivery entity computing system; and
when the delivery cryptogram result does not match the verification cryptogram result, transmitting a decline transaction notification to the delivery entity computing system.