公开(公告)号：US11157908B2

公开(公告)日：2021-10-26

申请号：US15650180

申请日：2017-07-14

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Perry Aaron Jones Haldenby ,  Arthur Carroll Chow ,  Het Anand Patel ,  Casey Lyn Doyle ,  Yubing Liu ,  Anthony Haituyen Nguyen ,  David Samuel Tax ,  Arun Victor Jagga ,  John Jong-Suk Lee

IPC: G06Q20/40 ,  G06Q20/34 ,  G06Q20/36 ,  G06K7/00 ,  G06K19/073 ,  G06Q30/00 ,  G06Q40/02

Abstract: The disclosure generally describes computer-implemented methods, software, and systems, including a method for placing a card into an alert state. An alert detection indication is received during an attempted data exchange using a permanent account number (PAN) associated with a card. The alert detection indication is received by an electronic controller embedded in the card and is received through an interface. The alert detection indication indicates that the PAN has an alert state identified for the PAN by an entity that issued the card. An operational mode of the card is modified into the alert state by the electronic controller and is based on receipt of the alert detection indication. An electronic display indicating that the card is in the alert state is displayed by the electronic controller.

公开(公告)号：US10956905B2

公开(公告)日：2021-03-23

申请号：US15725689

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: G06Q20/38 ,  G06Q20/36 ,  G06Q20/32 ,  H04L9/08 ,  H04L9/32

Abstract: Computer-implemented methods and systems reliant on establishing a common session key between an electronic device and a computer server are disclosed. The method and systems may be for processing de-tokenization requests in payment transaction processing and for preparing an electronic device to perform payment transactions. During such a transaction, the server may perform a method that includes receiving a de-tokenization request including a payment token and a cryptogram generated by the electronic device using a session key generated by the electronic device based on a fingerprint of the electronic device, a secret value previously shared with the electronic device, the payment token, and a transaction counter; retrieving the fingerprint, the secret value, and the transaction counter and generating the session key based on the same; verifying the cryptogram using the session key; retrieving an associated account number; and sending response to the request including the account number.

公开(公告)号：US20210084070A1

公开(公告)日：2021-03-18

申请号：US16571394

申请日：2019-09-16

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Arthur Carroll Chow ,  David Samuel Tax ,  Gregory Albert Kliewer ,  Anthony Haituyen Nguyen

IPC: H04L29/06 ,  G06Q40/02 ,  G06F11/34

Abstract: A method for evaluating security of third-party application is disclosed. The method includes: in an automated test environment: launching a test instance of a first application; and obtaining a data access signature of the first application based on identifying at least one application state of the first application and account data retrieved by the first application from a user account at a protected data resource in the at least one application state; receiving, from a client device associated with the user account, an indication of access permissions for the first application to access the user account for retrieving account data; detecting a change in the data access signature of the first application; and in response to detecting the change in the data access signature of the first application, notifying the user of the detected change.

公开(公告)号：US20200272767A1

公开(公告)日：2020-08-27

申请号：US16288867

申请日：2019-02-28

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 ,  G06F16/182 ,  H04L9/00 ,  G06F16/18

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：US20200090181A1

公开(公告)日：2020-03-19

申请号：US16132308

申请日：2018-09-14

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Arun Victor Jagga

IPC: G06Q20/40 ,  G06Q20/38 ,  G06Q20/20

Abstract: A server includes a processor that receives, from a first device, initiation message(s) each including a service identifier and a service value and, for each initiation message, saves in a database a record comprising the service identifier in association with the service value. The processor receives, from a second device, authorization message(s) each including one of the service identifiers and an authorization value, and for each authorization message, validates one of the initiation messages by (i) locating in the database the record comprising the one service identifier, and (ii) confirming that the service value in the located database record matches the authorization value. The processor updates a journal with an entry identifying a transfer between a first ledger and a second ledger in an amount equal to a sum of the service values of the validated initiation messages, and provides the first device with a message confirming the transfer.

公开(公告)号：US20190311364A1

公开(公告)日：2019-10-10

申请号：US15946132

申请日：2018-04-05

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  Arthur Caroll Chow ,  Anthony Haituyen Nguyen ,  Casey Lyn Doyle ,  Yubing Liu ,  Het Anand Patel ,  Stephen John McCann ,  Perry Aaron Jones Haldenby ,  David Samuel Tax ,  John Jong-Suk Lee ,  Arun Victor Jagga

IPC: G06Q20/40 ,  G06Q20/32 ,  G06N99/00

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, generate and provision digital tokens based on dynamically obtained contextual data. For example, an apparatus may receive first information that characterizes an exchange of data initiated by a first application program executed by the apparatus, and may generate and transmit a signal to a computing system through a programmatic interface associated with a second application program executed by the apparatus. In some instances, the first signal may include the first information and data that instructs the computing system to obtain a digital token representative of a data type available for use in the data exchange. The apparatus may also receive a second signal that includes the digital token and based on the digital token, perform operations that present second information characterizing the available data type on an interface.

公开(公告)号：US12131361B2

公开(公告)日：2024-10-29

申请号：US17824165

申请日：2022-05-25

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Kushank Rastogi ,  Jonathan Joseph Prendergast

IPC: G06Q30/06 ,  G06Q30/0601 ,  G06Q50/26

CPC classification number: G06Q30/0609 ,  G06Q50/265

Abstract: According to an aspect there is provided an ambient commerce system. The ambient commerce system may include a sensor at an ambient commerce premises, a communication module, and a processor coupled to the sensor and the communication module. The ambient commerce system further includes a memory coupled to the processor. The memory stores processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, an unauthenticated entity at an ambient commerce premises; receive, from a first independent trusted system and via the communication module, an indication that authentication has been performed by the first independent trusted system for the unauthenticated entity using a first authentication parameter; determine that the entity is an authenticated entity based on the indication that the authentication has been performed and at least a second authentication parameter; and perform an ambient commerce operation for the authenticated entity.

公开(公告)号：US12063168B1

公开(公告)日：2024-08-13

申请号：US18303164

申请日：2023-04-19

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel Tax ,  Milos Dunjic ,  Vipul Kishore Lalka ,  Jonathan Joseph Prendergast ,  Hitesh Bajaj ,  Susan Elizabeth Hawkins

IPC: H04L47/70 ,  H04L47/83

CPC classification number: H04L47/822 ,  H04L47/821 ,  H04L47/83

Abstract: Methods and computer systems for optimization of computing resources. Obtaining one or more parameters of a resource demand, the one or more parameters including at least a defined date. Identifying, based on a projected demand for a computing resource, a resource optimization opportunity prior to the defined date. Generating a message based on the identification of the resource optimization opportunity. Identifying a second computer system based on the resource demand. Facilitating access to the computing resource prior to the defined date by a transmitting the generated message to the identified second computer system prior to the defined date.

公开(公告)号：US11995207B2

公开(公告)日：2024-05-28

申请号：US17410532

申请日：2021-08-24

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Anthony Haituyen Nguyen ,  Gregory Albert Kliewer ,  David Samuel Tax ,  Sairam Srinivasa Poguluru ,  Shishir Dattatraya Bhat

IPC: G06F21/62 ,  H04L9/40

CPC classification number: G06F21/6245 ,  H04L63/08 ,  H04L63/102

Abstract: In an aspect, the present application may describe a method. The method may include: receiving, from a remote computing device, a first indication of consent for an authenticated entity to share data with a first third party server, the first indication of consent associated with a first sharing permission defining a first sharing scope; in response to receiving the first indication of consent: configuring a server to share data for the authenticated entity with the first third party server based on the sharing permission; identifying a first safety score, the first safety score associated with the first third party server; and updating a risk score for the authenticated entity based on the first safety score and the first sharing permission; and sending the updated risk score for the authenticated entity to the remote computing device for display thereon.

公开(公告)号：US11989278B2

公开(公告)日：2024-05-21

申请号：US18179517

申请日：2023-03-07

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel Tax ,  Harjot Singh Panag ,  Kevin Wayne Faragher ,  Milos Dunjic

IPC: G06F21/36 ,  G06F3/0482 ,  G06F21/62 ,  H04L9/06 ,  H04L9/00

CPC classification number: G06F21/36 ,  G06F3/0482 ,  G06F21/6209 ,  H04L9/0643 ,  H04L9/50

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.