Patent ID: 11888854
Assignee: THE TORONTO-DOMINION BANK
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 10:
11. A computer-implemented method, comprising:
receiving an authentication request to authenticate a first entity with a first service;
in response to receiving the authentication request:
identifying an access-restricted first data record associated with the first entity;
generating a message associated with a first transfer of resources between the first data record and a designated second data record, the message identifying one of the first and second data records as a recipient data record for the first transfer and defining a first quantity of resources to transfer; and
transmitting the message to a first server associated with the first entity, the first server requiring user authentication to access the message;

determining a completion status of the first transfer; and
generating a response to the authentication request based on the completion status of the first transfer.