公开(公告)号：US11308461B2

公开(公告)日：2022-04-19

申请号：US14936833

申请日：2015-11-10

Applicant: The Toronto-Dominion Bank

Inventor： Perry Aaron Jones Haldenby ,  Rajan Mahadevan ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Orin Del Vecchio

IPC: G06Q20/06 ,  G06Q20/36 ,  G06Q10/06 ,  G06Q10/10 ,  G06Q50/08 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q50/18 ,  G06Q10/08 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/08 ,  G06Q20/38 ,  G06F21/64 ,  H04N5/913 ,  G06F21/62 ,  H04L9/08 ,  H04L9/32 ,  H04L29/06

Abstract: The disclosed embodiments include computerized systems and methods that generate secured blockchain-based ledger structures that facilitate event-based control of tracked assets. In one embodiment, an apparatus associated with a centralized authority of the secured blockchain-based ledger may detect an occurrence of an event, and may access and decrypt a set of rules hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule and involving at least one of assets tracked within the secured blockchain-based ledger or an owner of a portion of the tracked assets. By way of example, the detected event may triggering a sale, transfer, and/or re-allocation of an ownership interest in a tracked asset, and the identified rule may specify a distribution of proceeds derived from the sale, transfer, and/or re-allocation.

公开(公告)号：US11282137B2

公开(公告)日：2022-03-22

申请号：US15287815

申请日：2016-10-07

Applicant: The Toronto-Dominion Bank

Inventor： Ian James McDonald ,  Adam Douglas McPhee ,  Perry Aaron Jones Haldenby ,  Paul Mon-Wah Chan ,  John Jong Suk Lee

IPC: G06Q40/04 ,  G06Q20/06 ,  G06Q20/20 ,  G06Q20/40

Abstract: A device has a secure element including a memory that stores at least one address, a set of rules, and a state of an asset. A processor is configured for receiving a request to change the state of the asset associated with the address, validating the request in the case where changing the state of the asset according to the request complies with the set of rules, and invalidating the request in the case where changing the state of the asset according to the request violates the set of rules. A communications module is coupled to the secure element for transmitting information responsive to the request to a distributed network of peer processors for recording a change in the state of the asset in a distributed electronic ledger in the case where the secure element validates the request.

公开(公告)号：US11270293B2

公开(公告)日：2022-03-08

申请号：US16682301

申请日：2019-11-13

Applicant: The Toronto-Dominion Bank

Inventor： Hisham I. Salama ,  Edward Lounsbury ,  Paul Mon-Wah Chan

IPC: G06Q20/30 ,  G06Q20/36 ,  G06Q20/32

Abstract: The disclosed embodiments include computerized methods and systems that enable users to delegate a functionality of a mobile application through pre-loaded tokens. In one aspect, the disclosed embodiments may temporarily delegate or “loan” financial products loaded into a mobile wallet of a user to other eligible users. For example, the disclosed embodiments may receive, from a first user, a request to delegate a financial product to a second user to complete purchase transactions. In response to the received request, the disclosed embodiments may identify one or more temporal or financial conditions on the delegation, and may generate a corresponding mobile wallet token for transmission to a second user device. The second user device may, for example, process the mobile wallet token and establish the delegated financial provide in the second user's mobile wallet in accordance with the at least one of the temporal or financial conditions.

公开(公告)号：US11188884B2

公开(公告)日：2021-11-30

申请号：US16740671

申请日：2020-01-13

Applicant: The Toronto-Dominion Bank

Inventor： Paul Mon-Wah Chan ,  Perry Aaron Jones Haldenby ,  John Jong Suk Lee

IPC: G06Q20/06 ,  G06Q20/20 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q40/06 ,  G06Q20/02

Abstract: A system comprises a non-transitory machine readable storage medium storing instructions and a database identifying a plurality of assets and a state of each asset. The instructions configure a processor for receiving updates to a distributed electronic ledger managed by plural peer processors. Each update includes an event or change affecting one of the assets. The peer processors verify portions of the ledger describing each event or change. At least one of the updates has not yet been recorded in the ledger at a time of the receiving. The processor computes a state of each asset, based on the updates, receives a request for a state of one of the assets; and responds to the request, reflecting each event and change affecting that asset. The response is performed without waiting for the peer processors to verify an update that has not yet been recorded in the ledger.

公开(公告)号：US11144898B2

公开(公告)日：2021-10-12

申请号：US16847937

申请日：2020-04-14

Applicant: The Toronto-Dominion Bank

Inventor： Kevin Ricardo Mari ,  Evan Zachary Cohen ,  Jonathan K. Barnett ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Orin Del Vecchio

IPC: G06Q20/20 ,  G06F16/23 ,  G06F16/21 ,  G06Q10/00

Abstract: An event monitoring processor includes a processor and at least one memory. The memory stores a database of cohort definitions. Each cohort definition defines a respective cohort. The processor is configured to receive particulars of a member event initiated by a member of one of the cohorts, generate an additional cohort definition from the particulars of the member event, and save the additional cohort definition in the cohort definitions database. The processor is also configured to receive member data associated with the cohort member, select one of the cohorts in the cohort definitions database from a correlation between the member data and the cohort definitions, and save in a cohort member database a member record that identifies a correlation between the member event and an event defined in the selected one cohort.

公开(公告)号：US11126975B2

公开(公告)日：2021-09-21

申请号：US14935829

申请日：2015-11-09

Applicant: The Toronto-Dominion Bank

Inventor： Perry Aaron Jones Haldenby ,  Rajan Mahadevan ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Orin Del Vecchio

IPC: G06Q20/38 ,  G06Q20/06 ,  G06F21/64 ,  H04N5/913 ,  G06Q20/36 ,  G06Q10/06 ,  G06Q10/10 ,  G06Q50/08 ,  G06Q20/10 ,  G06Q20/40 ,  G06F21/62 ,  H04L9/08 ,  G06Q50/18 ,  H04L9/32 ,  H04L29/06 ,  G06Q10/08 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/08

Abstract: The disclosed embodiments include computerized systems and methods for generating secured blockchain-based ledger data structures that track an ownership and usage of one or more assets, such as Internet-connected devices. In one instance, an apparatus associated with a rules authority of the secured blockchain-based ledger may detect an occurrence of a triggering event, and may access and decrypt a set of rules hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule, including a determination of metrics indicative of a care, risk, and/or valuation of one or more of the Internet-connected devices, and additionally or alternatively, a modification of an operational or communicative functionality of the Internet-connected devices.

公开(公告)号：US11010049B2

公开(公告)日：2021-05-18

申请号：US16834341

申请日：2020-03-30

Applicant: THE TORONTO-DOMINION BANK

Inventor： Edwin Van Damme ,  Perry Aaron Jones Haldenby ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

IPC: G06F3/0488 ,  G06F3/0484 ,  G06F3/0486 ,  G06Q20/32 ,  G06Q10/10 ,  G06Q20/02 ,  G06F3/0482 ,  G06Q20/40 ,  G06Q20/38 ,  G06Q20/20 ,  G06F17/00

Abstract: There is provided a gesture-based GUI (system, method, etc.) to facilitate input of numerical data using a continuous swipe gesture. A gesture-based I/O device displays a GUI presenting a gross number and a gross number control to initially define a specific number for further defining with specificity. In response to a first gesture (hard click or pause) interacting with the gross number control, the specific number is initially defined as the gross number and a finer number control is presented to refine the specific number. In response to a continuous swipe gesture continuing from the first gesture and interacting with the finer number control, the interface further defines the specific number with finer specificity where a quantum varies in response to a direction and distance of the continuous swipe. Successive finer number controls may be also be presented to refine the specific number by continuing the swipe.

公开(公告)号：US10558955B2

公开(公告)日：2020-02-11

申请号：US15232100

申请日：2016-08-09

Applicant: The Toronto-Dominion Bank

Inventor： Perry Aaron Jones Haldenby ,  Paul Mon-Wah Chan ,  John Jong Suk Lee ,  Yaniv Nathan

IPC: G06Q20/06 ,  G06F21/64 ,  H04N5/913 ,  G06Q20/36 ,  G06Q10/06 ,  G06Q10/10 ,  G06Q50/08 ,  G06Q20/10 ,  G06Q20/40 ,  G06F21/62 ,  H04L9/08 ,  G06Q50/18 ,  H04L9/32 ,  H04L29/06 ,  G06Q10/08 ,  G06Q30/02 ,  G06Q40/00 ,  G06Q40/08 ,  G06Q20/38

Abstract: A processor receives a signal representing data including event information detailing an event involving an entity having a registered ownership interest in a product and loads a portion of a distributed electronic ledger for tracking ownership information associated with the product. The distributed electronic ledger includes, within a block thereof and associated with the product, an event trigger list including entity data associated with each entity having a registered ownership interest in the product and a rules engine including rules associated with event triggers in the event trigger list. The processor determines whether a triggering event corresponding to the event is stored in the event trigger list and, when the event has a corresponding triggering event, determines the associated rule within the rules engine. The processor updates and saves the distributed electronic ledger by performing an action specified by the determined associated rule.

公开(公告)号：US20200042961A1

公开(公告)日：2020-02-06

申请号：US16565737

申请日：2019-09-10

Applicant: The Toronto-Dominion Bank

Inventor： Ian James McDonald ,  Adam Douglas McPhee ,  Perry Aaron Jones Haldenby ,  Paul Mon-Wah Chan ,  John Jong Suk Lee

IPC: G06Q20/06 ,  G06Q20/36 ,  G06Q20/38 ,  G06Q20/20

Abstract: An apparatus for use in a digital asset tracking system includes a storage device and a processor coupled to the storage device. The storage device stores software instructions for controlling the processor that when executed by the processor configure the processor to receive a signal representing a request comprising a first transfer from a first digital container associated with a first client to a second digital container associated with a second client. A value of the first transfer is compared to a total value in one or more accounts associated with the first client. At least one of the one or more accounts associated with the first client has a value in a first currency. A first draft is generated from a first account to an account associated with the second client. The first draft comprises a value in a second currency equivalent to the value of the first transfer.

公开(公告)号：US10540075B2

公开(公告)日：2020-01-21

申请号：US15267930

申请日：2016-09-16

Applicant: THE TORONTO-DOMINION BANK

Inventor： Paul Mon-Wah Chan ,  John Jong Suk Lee ,  Perry Aaron Jones Haldenby

IPC: G06F3/0484 ,  G06F9/50

Abstract: A system, method and computer readable medium provide a gesture-based graphical user interface to determine allocation information to instruct an allocation. A gesture-based I/O device displays a graphical user interface having: an amount region configured to define an allocation amount; a plurality of source regions each configured to define an allocation source; and a plurality of destination regions each configured to define an allocation destination. Input is received via the gesture-based I/O device as a swipe gesture having at least two directions, the swipe gesture interacting with the amount region to define the allocation amount and interacting with at least one of a source region of the plurality of source regions and a destination region of the plurality of destination regions to define an allocation source and an allocation destination for the allocation amount.