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    SYSTEM AND METHOD FOR MAINTAINING A SEGREGATED DATABASE IN A MULTIPLE DISTRIBUTED LEDGER SYSTEM
    11.
    发明申请
    SYSTEM AND METHOD FOR MAINTAINING A SEGREGATED DATABASE IN A MULTIPLE DISTRIBUTED LEDGER SYSTEM 审中-公开

    公开(公告)号：US20180068130A1

    公开(公告)日：2018-03-08

    申请号：US15255236

    申请日：2016-09-02

    Applicant: The Toronto-Dominion Bank

    Inventor： Paul Mon-Wah CHAN ,  Perry Aaron Jones HALDENBY ,  John Jong Suk LEE

    IPC: G06F21/62 ,  G06Q40/00 ,  G06F21/60

    CPC classification number: G06F21/6245 ,  G06F21/606 ,  G06F21/6227 ,  G06F21/64 ,  G06Q40/00 ,  H04L9/3239 ,  H04L2209/38

    Abstract: An apparatus maintains a segregated database in a multiple distributed ledger system. The apparatus includes a storage device that stores software instructions for controlling a processor that when executed by the processor configure the processor to: create distributed ledgers, each created distributed ledger being associated with a respective individual profile; maintain a segregated database apart from the distributed ledgers including, for each individual profile, profile balance data; and process a data exchange between exchanging profiles. To process the data exchange, the processor is configured to receive data exchange data regarding parameters of the data exchange; approve the data exchange based on a check of the data exchange data against profile balance data in the database; access the distributed ledgers associated with the exchanging profiles; and cause a distributed ledger data exchange corresponding to the data exchange to be added to the accessed distributed ledgers when the data exchange is approved.

    SYSTEMS AND METHODS FOR CONTEXT-BASED EVENT DETECTION AND DETERMINATION
    12.
    发明申请
    SYSTEMS AND METHODS FOR CONTEXT-BASED EVENT DETECTION AND DETERMINATION 审中-公开

    公开(公告)号：US20170124642A1

    公开(公告)日：2017-05-04

    申请号：US15285539

    申请日：2016-10-05

    Applicant: The Toronto-Dominion Bank

    Inventor： Jonathan K. Barnett ,  Paul Mon-Wah CHAN ,  Roisin Lara FRITZ ,  John Jong Suk LEE ,  Michael GROUIOS ,  Joe MOGHAIZEL

    IPC: G06Q40/02 ,  G06Q30/02

    CPC classification number: G06Q40/02 ,  G06Q30/0269 ,  G06Q30/0631

    Abstract: The disclosed embodiments include methods and systems for providing context-based event determination and/or context-based event triggered financial product offerings. Scenario modeling data is maintained for a plurality of personal event scenarios. Personal event data representing a personal spike for a user of a client device is received from one or more computer systems over a network where the personal spike comprises an instance of personal event data that deviates from a baseline of personal event data determined for the user. Contextual data related to the personal event data is collected from one or more computers. Using the scenario modeling data, contextual data and the personal event data identifying the at least one personal spike, likely personal event scenarios consistent with the contextual data are identified. Methods and systems to establish a personal baseline from instances of personal event data are also described.

    AUTOMATED IMPLEMENTATION OF PROVISIONED SERVICES BASED ON CAPTURED SENSOR DATA
    13.
    发明申请
    AUTOMATED IMPLEMENTATION OF PROVISIONED SERVICES BASED ON CAPTURED SENSOR DATA 审中-公开
    基于捕获的传感器数据自动执行提供的服务

    公开(公告)号：US20170046669A1

    公开(公告)日：2017-02-16

    申请号：US15281558

    申请日：2016-09-30

    Applicant: The Toronto-Dominion Bank

    Inventor： Arthur Carroll Chow ,  Paul Mon-Wah CHAN ,  Perry Aaron Jones HALDENBY ,  Rakesh Thomas JETHWA ,  Eddie Cheuk Long LAW ,  John Jong Suk LEE ,  Stephen John MCCANN ,  Haituyen Anthony NGUYEN

    IPC: G06Q20/10 ,  G06Q30/02

    Abstract: The disclosed embodiments include computer-implemented systems and processes that perform operations consistent with services provisioned to a device based on real-time sensor data indicative of and characterizing a user's operation of the device and additionally or alternatively, a system or apparatus that includes the device. For example, the device may obtain stored data identifying a provisioned service, and may obtain sensor data captured by an on-board or external sensor during an operation of the device. Based on the sensor data, the device may generate a usage parameter that characterizes the operation of the device during a temporal period, and perform an operation consistent with the provisioned service in accordance with the generated usage parameter.

    Abstract translation: 所公开的实施例包括基于实时传感器数据执行与提供给设备的服务一致的计算机实现的系统和过程，所述实时传感器数据指示用户对设备的操作和表征用户的操作，并且附加地或替代地，包括该设备的系统或设备 。 例如，设备可以获得识别所提供服务的存储数据，并且可以在设备的操作期间获取由板上或外部传感器捕获的传感器数据。 基于传感器数据，设备可以生成在时间段期间表征设备的操作的使用参数，并且根据所生成的使用参数来执行与所提供的服务一致的操作。

    PROVISIONING OF SECURE APPLICATION
    14.
    发明申请
    PROVISIONING OF SECURE APPLICATION 有权

    公开(公告)号：US20230083220A1

    公开(公告)日：2023-03-16

    申请号：US17989881

    申请日：2022-11-18

    Applicant: The Toronto-Dominion Bank

    Inventor： Hisham Ibrahim SALAMA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE

    IPC: G06Q20/36 ,  G06F21/62 ,  G06Q20/32 ,  H04W12/062 ,  G06Q20/34 ,  H04W12/069 ,  G06F21/57 ,  H04W12/48 ,  H04W12/08 ,  H04W12/47 ,  H04W12/30 ,  H04W12/0431

    Abstract: Methods and devices for provisioning a secure application on an electronic device with first issuer data for a first issuer are described. In an embodiment, the provisioning system receives and stores first issuer records. The example provisioning system receives a provisioning request to provision the secure application with the first issuer data. The provisioning request includes identifying information. The example provisioning system evaluates the provisioning request based on at least one of the first issuer evaluation criteria, the first issuer records and the identifying information in the provisioning request. When the provisioning request satisfies the first issuer evaluation criteria, the example provisioning system generates a signal using the communication module to provide the first issuer data to the electronic device to provision the secure application on the electronic device.

    SYSTEMS FOR ENABLING TOKENIZED WEARABLE DEVICES
    15.
    发明申请
    SYSTEMS FOR ENABLING TOKENIZED WEARABLE DEVICES 审中-公开

    公开(公告)号：US20190311109A1

    公开(公告)日：2019-10-10

    申请号：US15946911

    申请日：2018-04-06

    Applicant: The Toronto-Dominion Bank

    Inventor： Dino Paul D'AGOSTINO ,  Perry Aaron Jones HALDENBY ,  Dean C. N. TSERETOPOULOS ,  Jeffrey Aaron ECKER ,  Adam Douglas McPHEE ,  Milos DUNJIC ,  John Jong Suk LEE ,  Arun Victor JAGGA

    IPC: G06F21/44 ,  G06Q20/32 ,  G06K19/077

    Abstract: A method for authenticating a wearable device is disclosed. The method includes: receiving, a signal representing an indication that the wearable device is in active use; in response to receiving the signal, updating a device database to associate a first status with the wearable device; receiving, from a tokenization service provider (TSP), a signal representing a first code derived by the TSP from decrypting a security token previously provisioned in the wearable device, wherein the security token was received at a terminal from the wearable device and transmitted to the TSP; obtaining, based on the received first code, a device identifier of the wearable device and an identifier of an account; querying the device database to verify that the wearable device is associated with the first status; verifying that the account is enabled for an operation initiated using the wearable device; and transmitting an authorization message to the terminal, the authorization message authorizing the operation.

    System and Method for Processing an Interaction Request
    18.
    发明申请
    System and Method for Processing an Interaction Request 审中-公开

    公开(公告)号：US20180097889A1

    公开(公告)日：2018-04-05

    申请号：US15282727

    申请日：2016-09-30

    Applicant: The Toronto-Dominion Bank

    Inventor： Dino Paul D'AGOSTINO ,  Rakesh Thomas JETHWA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE

    IPC: H04L29/08 ,  G06Q20/10 ,  G06Q20/40

    CPC classification number: H04L67/141 ,  G06Q20/1085 ,  G06Q20/401 ,  H04L67/12 ,  H04L67/143 ,  H04W4/21 ,  H04W12/06

    Abstract: A method and system are provided for processing an interaction request. The method includes detecting the interaction request for a first interaction session using a first interaction channel between a request initiator and a request service provider, assigning an identifier to the interaction request, determining a task associated with the interaction request, and obtaining context data of a plurality of other interaction sessions associated with the identifier. The plurality of other interaction sessions occur proximal in time with the first interaction session. The context data is related to activity of the request initiator. The method also includes associating a subset of the context data with the interaction request. The subset of the context data is the context data of the plurality of other interaction sessions that are related to the task. The method also includes facilitating the first interaction session using the subset of the context data.

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