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

Claim 11:
12. The method of claim 11 further comprising:
when the requesting entity computing system and the delivery entity computing system are geographically proximate, in accordance with the requestor geographic location identifier, via a third processing device of the plurality of processing devices:
reading the delivery matrix code to obtain the delivery entity key portion, the delivery entity number portion and the delivery entity identifier,
combining the obtained delivery entity key portion with the requestor entity key portion to obtain a complete requestor encryption key and combine the obtained delivery entity number portion with the requestor number portion to obtain a complete requestor random number,
generating a requestor cryptogram based on the complete requestor entity encryption key, the complete requestor random number, the unique request identifier, the delivery entity identifier, the requesting entity identifier, the at least one transaction payload attribute and the at least one transaction attribute, and
transmitting, over the network, the requestor transaction confirmation to the first processing device, wherein the requestor transaction confirmation comprises the requestor cryptogram; and

via the first processing device, the method further comprises:
 using the encryption key, decrypting the requestor cryptogram, thereby generating a requestor cryptogram result;
 comparing the requestor cryptogram result with the verification cryptogram result; and
 when the requestor cryptogram result matches the verification cryptogram result, transferring the payload reimbursement from the requestor transaction account to the delivery transaction account.