IP Library Granted Patent US 12671680
Granted Patent B2
US 12671680 · App. 17/738,564 · Granted Jun 30, 2026

Systems and methods for account session management

Inventors: Lauren Erica Miele (Toronto, CA); Adam Judson (Toronto, CA); James Wolanski (Vaughan, CA)
Assignee: The Toronto-Dominion Bank
H04L63/0815G06Q20/3821G06Q20/4014H04L63/0807
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 12671680
App. No.
17/738,564
Granted
Jun 30, 2026
Kind
B2
Abstract

A computer-implemented method includes: receiving, via a computing device, a login request for a resource account; authenticating a user associated with the login request to an account session of the resource account; receiving, via the computing device during the account session, a trade request for performing a first trading action in connection with a tradeable object; in response to receiving the trade request: granting time-limited access to an account operation for the resource account, the first account operation associated with defined first trade parameters for the first trading action; receiving user input for initiating the first account operation at a first time; validating the first account operation based on verifying eligibility of the first trading action and validity of the account session at the first time; and in response to validating the first account operation, cause the first trading action to be executed based on processing the first account operation.

Claims (54)

1 . A computing system, comprising:

a processor; and

a memory coupled to the processor, the memory storing instructions that, when executed by the processor, configure the processor to:

receive, via a first computing device, a login request for a resource account;

authenticate a user associated with the login request to an account session of the resource account;

receive, via the first computing device during the account session, a trade request for performing a first trading action in connection with a tradeable object;

in response to receiving the trade request:

grant, to the first computing device, time-limited access to a first account operation for the resource account, the first account operation associated with defined first trade parameters for the first trading action that are different from corresponding parameters of trading actions that are accessible to non-authenticated users;

in response to receiving, via the first computing device, user input for initiating the first account operation at a first time:

validate the first account operation based on verifying eligibility of the first trading action and validity of the account session at the first time; and

in response to validating the first account operation, cause the first trading action to be executed based on processing the first account operation, and

in response to determining that the user input is not received within a defined period of validity of the first account operation:

retrieve, from a remote computing server, current object data associated with the tradeable object;

generate display data comprising graphical representation of updated trade parameter values associated with a time-limited second account operation based on the current object data, the updated trade parameter values representing a real-time update of values of the first trade parameters associated with the first account operation; and

present, on the first computing device, a refreshed user interface for accessing account operations associated with the trading actions based on providing the generated display data associated with the second account operation as replacement for display data associated with the first account operation.

2 . The computing system of claim 1 , wherein the instructions, when executed, further configure the processor to:

receive, via a second computing device, a second trade request for performing a second trading action in connection with the tradeable object;

determine that the second trade request does not originate from a computing device associated with the account session;

in response to the determining, grant, to the second computing device, access to a second operation associated with second trade parameters that are different from the first trade parameters.

3 . The computing system of claim 1 , wherein the first trade parameters include a resource cost associated with obtaining the tradeable object and wherein the first account operation comprises a transfer of resources associated with the resource account.

4 . The computing system of claim 1 , wherein verifying the validity of the account session comprises verifying that an access token associated with the account session is valid at the first time.

5 . The computing system of claim 1 , wherein granting the time-limited access to the first account operation for the resource account comprises providing, via the first computing device, a user interface for accessing an interface element for initiating the first account operation during a defined first time period.

6 . The computing system of claim 5 , wherein the first time period is dependent on an object type associated with the tradeable object.

7 . The computing system of claim 1 , wherein the instructions, when executed, further configure the processor to provide a user interface for inputting the trade request, wherein the providing the user interface includes providing an indication that the first account operation is associated with the account session.

8 . The computing system of claim 1 , wherein the resource account comprises a bank account and wherein the user is authenticated to the account session based on login credentials associated with the bank account.

9 . The computing system of claim 1 , wherein the instructions, when executed, further configure the processor to:

generate a single sign-on (SSO) token responsive to authenticating the user to the account session; and

transmit the SSO token to the first computing device, wherein the first account operation is processed using the SSO token.

10 . A computer-implemented method, comprising:

receiving, via a first computing device, a login request for a resource account;

authenticating a user associated with the login request to an account session of the resource account;

receiving, via the first computing device during the account session, a trade request for performing a first trading action in connection with a tradeable object;

in response to receiving the trade request:

granting, to the first computing device, time-limited access to a first account operation for the resource account, the first account operation associated with defined first trade parameters for the first trading action that are different from corresponding parameters of trading actions that are accessible to non-authenticated users;

in response to receiving, via the first computing device, user input for initiating the first account operation at a first time:

validating the first account operation based on verifying eligibility of the first trading action and validity of the account session at the first time; and

in response to validating the first account operation, cause the first trading action to be executed based on processing the first account operation, and

in response to determining that the user input is not received within a defined period of validity of the first account operation:

retrieving, from a remote computing server, current object data associated with the tradeable object;

generating display data comprising graphical representation of updated trade parameter values associated with a time-limited second account operation based on the current object data, the updated trade parameter values representing a real-time update of values of the first trade parameters associated with the first account operation; and

presenting, on the first computing device, a refreshed user interface for accessing account operations associated with the trading actions based on providing the generated display data associated with the second account operation as replacement for display data associated with the first account operation.

11 . The method of claim 10 , further comprising:

receiving, via a second computing device, a second trade request for performing a second trading action in connection with the tradeable object;

determining that the second trade request does not originate from a computing device associated with the account session;

in response to the determining, granting, to the second computing device, access to a second operation associated with second trade parameters that are different from the first trade parameters.

12 . The method of claim 10 , wherein the first trade parameters include a resource cost associated with obtaining the tradeable object and wherein the first account operation comprises a transfer of resources associated with the resource account.

13 . The method of claim 10 , wherein verifying the validity of the account session comprises verifying that an access token associated with the account session is valid at the first time.

14 . The method of claim 10 , wherein granting the time-limited access to the first account operation for the resource account comprises providing, via the first computing device, a user interface for accessing an interface element for initiating the first account operation during a defined first time period.

15 . The method of claim 14 , wherein the first time period is dependent on an object type associated with the tradeable object.

16 . The method of claim 10 , further comprising providing a user interface for inputting the trade request, wherein the providing the user interface includes providing an indication that the first account operation is associated with the account session.

17 . The method of claim 10 , wherein the resource account comprises a bank account and wherein the user is authenticated to the account session based on login credentials associated with the bank account.

18 . The method of claim 10 , further comprising:

generating a single sign-on (SSO) token responsive to authenticating the user to the account session; and

transmitting the SSO token to the first computing device, wherein the first account operation is processed using the SSO token.