公开(公告)号：US20220067137A1

公开(公告)日：2022-03-03

申请号：US17004543

申请日：2020-08-27

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel TAX ,  Harjot Singh PANAG ,  Kevin Wayne FARAGHER ,  Milos DUNJIC

IPC: G06F21/36 ,  G06F21/62 ,  G06F3/0482 ,  H04L9/06

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to receive, via the communications module and from a computing device, a signal representing a request to add an authorized user to an account of an entity hosted by a first institution associated with the server; send, via the communications module and to a second server associated with a second institution hosting an account of the authorized user, a signal that includes a unique key and an identifier of the entity, the signal causing the second server to store the unique key and the identifier in memory and associating the unique key and the identifier with the account of the authorized user; receive a signal representing a request to perform an operation for the entity; in response to receiving the request to perform the operation, send, via the communications module and to a digital identity network, a request for a unique key associated with the entity; receive, via the communications module and from the digital identity network, the unique key; and in response to receiving the unique key, perform the operation.

公开(公告)号：US20210374708A1

公开(公告)日：2021-12-02

申请号：US17399150

申请日：2021-08-11

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  Perry Aaron Jones HALDENBY ,  Arthur Carroll CHOW ,  David Samuel TAX ,  John Jong-Suk LEE ,  Arun Victor JAGGA

IPC: G06Q20/20 ,  G06Q20/10 ,  G06Q20/40 ,  G06Q20/22

Abstract: The disclosed embodiments include computer-implemented systems, apparatuses, and processes that perform a real-time delegated approval of initiated data exchanges by network-connected devices. For example, an apparatus determines determine a value of a parameter that characterizes an exchange of data and a first data type involved in the data exchange, and generates and transmits a first signal to a communications device associated with a second data type available for use in the data exchange and associated with the first data type. The apparatus receives, from the communications device, a second signal that includes information indicative of an approval of the second data type for use in the data exchange, and in response to the received approval, the apparatus performs the data exchange using the second data type and in accordance with the parameter value.

公开(公告)号：US20210365583A1

公开(公告)日：2021-11-25

申请号：US16881088

申请日：2020-05-22

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  David Samuel TAX ,  Kevin Wayne FARAGHER ,  Harjot Singh PANAG

IPC: G06F21/62 ,  G06F21/34 ,  H04L29/06

Abstract: A system and method for managing access to entity identity data are described. The system comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a remote device as being associated with an entity; receive, via the communications module and from the remote device, pre-consent data identifying one or more third parties permitted to access entity identity data for the entity; store, in the memory, the pre-consent data in association with the entity; receive, via the communications module and from a digital identity network, a signal representing a request to release the entity identity data to the third party; determine, based on the pre-consent data, that the entity identity data is to be released to the third party; and initiate release of the entity identity data to a computing device associated with the third party.

公开(公告)号：US20210319137A1

公开(公告)日：2021-10-14

申请号：US17354589

申请日：2021-06-22

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  Arthur Carroll CHOW ,  David Samuel TAX ,  Armon ROUHANI ,  Asad JOHEB ,  Sara HATHERLY ,  Keith Sanjay AJMANI ,  Lionel JOHNSON ,  Yubing LIU

IPC: G06F21/64 ,  H04L9/32 ,  H04L9/00 ,  G06F16/18 ,  G06F16/182

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that manage cryptographically secure exchanges of data using a permissioned distributed ledger. For example, an apparatus obtains parameter values characterizing an exchange of data and transmits the parameter values to a first computing system, which executed instructions included within a distributed ledger. The executed additional instructions cause the first computing system to access rules data recorded onto the distributed ledger and establish a consistency between the parameter values and at least a portion of the accessed rules data. The apparatus receives, from the first computing system, confirmation data indicative of the established consistency, and based on the confirmation data, transmit a request to execute the data exchange in accordance with at least the portion of the parameter values to a second computing system.

公开(公告)号：US20210240778A1

公开(公告)日：2021-08-05

申请号：US17239233

申请日：2021-04-23

Applicant: THE TORONTO-DOMINION BANK

Inventor： Milos DUNJIC ,  Martin Albert LOZON ,  David Samuel TAX ,  Arthur Carroll CHOW ,  Peter Glen NAIRN ,  Edward James HOOD ,  John Jong-Suk LEE ,  Arun Victor JAGGA

IPC: G06F16/9032 ,  G06F9/54 ,  G10L15/06 ,  G06N20/00 ,  G06F16/33

Abstract: Systems and methods are provided that use a trained process to reply to a request comprising query data defining a query and context data defining contextual factors for the query from a device. The query is answered by one or more selected APIs of a plurality of APIs that invoke respective services to prepare a response. The trained process determines an execution plan responsive to the query data and the context data and is configured using training to define execution plans comprising selected APIs where a particular API is selected for the plan if it answers at least a portion of the query and the selected APIs together prepare the response optimized for the device according to the context data. The plan is provided to an execution component to execute the plan using the selected APIs and send the response to the requesting device.

公开(公告)号：US20210075793A1

公开(公告)日：2021-03-11

申请号：US16561147

申请日：2019-09-05

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  David Samuel TAX ,  Gregory Albert KLIEWER

IPC: H04L29/06

Abstract: A method for controlling third-party access of a protected resource is disclosed. The method includes: receiving, from a client device associated with a user account at a protected resource, an indication of access permissions for a first application to access the user account, the access permissions defining at least one permission level and one or more permitted user account operations that are associated with the at least one permission level; receiving a request for the first application to access the user account for performing a first access operation; determining that the first access operation is not among the one or more permitted user account operations; in response to determining that the first access operation is not among the one or more permitted user account operations: providing, to the client device, a request for a one-time authorization for the first application to access the user account for performing the first access operation; receiving, from the client device, an indication of the requested one-time authorization; and granting, to the first application access to the user account.

公开(公告)号：US20210036854A1

公开(公告)日：2021-02-04

申请号：US16528164

申请日：2019-07-31

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  Arthur Carroll CHOW ,  David Samuel TAX ,  Armon ROUHANI ,  Keith Sanjay AJMANI ,  Gregory Albert KLIEWER ,  Anthony Haituyen NGUYEN ,  Martin Albert LOZON ,  Kareem EL-ONSI ,  Ashkan ALAVI-HARATl ,  Arun Victor JAGGA

IPC: H04L9/32 ,  H04L9/06

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically implement and manage hash-based consent and permissioning protocols. By way of example, an apparatus may obtain consent data that identifies one or more elements of data accessible to an application program executed by a device. The apparatus may generate a consent document for the application program based on at least a portion of the consent data, and may compute a consent hash value representative of the consent document. The apparatus may also generate and transmit permissioning data that includes at least the consent hash value to the device. The permissioning data may, for example, include information that instructs the executed application program to store the consent hash value within a local memory of the device and to associate the consent hash value with an access token of the executed application program.

公开(公告)号：US20190110188A1

公开(公告)日：2019-04-11

申请号：US15726560

申请日：2017-10-06

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  Perry Aaron Jones HALDENBY ,  Arthur Carroll CHOW ,  Anthony Haituyen NGUYEN ,  Het Anand PATEL ,  Casey Lyn DOYLE ,  Yubing LIU ,  John Jong-Suk LEE ,  David Samuel TAX ,  Arun Victor JAGGA

IPC: H04W8/20 ,  G06Q20/08 ,  G06Q20/38 ,  G06F17/30 ,  G06F13/14

Abstract: A computer system for selectively enabling a data transfer method is disclosed. The computer system includes a processor, a communications module, and a memory. The memory stores instructions that, when executed by the processor, cause the computer system to: receive a signal from a remote electronic device via a network using the communications module, the received signal representing information including a context for a transfer of value between a database record associated with a data sender and a database record associated with a data receiver, the context including an identifier for the data receiver; obtain a condition to be satisfied in performing the transfer of value based on the identifier for the data receiver; determine that the condition is satisfied by performing the transfer of value using a particular data transfer method; and enable the transfer of value using the particular data transfer method.

公开(公告)号：US20190107936A1

公开(公告)日：2019-04-11

申请号：US15726000

申请日：2017-10-05

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  Perry Aaron Jones HALDENBY ,  Arthur Carroll CHOW ,  Anthony Haituyen NGUYEN ,  Het Anand PATEL ,  Casey Lyn DOYLE ,  Yubing LIU ,  John Jong-Suk LEE ,  David Samuel TAX ,  Arun Victor JAGGA

IPC: G06F3/0481 ,  G06F3/0486 ,  G06F3/0485 ,  G06Q40/00

Abstract: A computer system provides a user interface efficient in its use of screen space allowing values to be provided for attributes. The computer system comprises a processor and a display, an input interface, and a memory coupled to the processor. The memory stores instructions that, when executed by the processor, cause the computer system to: display, within a first region of the display, a plurality of icons corresponding to a plurality of attributes; receive, via the input interface, input corresponding to a drag-and-drop operation wherein a particular one of the plurality of icons is dragged to and then dropped at a drop position within a second region of the display; and assign a value to an attribute corresponding to the particular one of the plurality of icons based on a location of the drop position within the second region. Related methods and computer-readable media are also disclosed.