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公开(公告)号：US11488153B2
公开(公告)日：2022-11-01
申请号：US15286625
申请日：2016-10-06
Applicant: The Toronto-Dominion Bank
Inventor： Roy D'Souza , Jonathan K. Barnett , Roisin F. Fritz , John Jong Suk Lee , Paul Mon-Wah Chan , Orin Del Vecchio
Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes the second layer and a first pointer. The second layer includes a second pointer. The message processor is configured to receive a first authorization message including a first cryptographic key and a second value; decrypt the first layer of one of the tokens with the first key; validate the first pointer by receiving confirmation of the first pointer pointing to a database entry comprising the second value; receive a second authorization message including a second cryptographic key and a third value; decrypt the second layer of the token with the second key; and validate the second pointer by receiving confirmation of the second pointer pointing to a database entry comprising a maximum data value not less than the third value.
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12.发明授权公开(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.
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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
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.
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14.发明授权公开(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.
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15.发明申请公开(公告)号：US20190340588A1
公开(公告)日：2019-11-07
申请号：US16516914
申请日：2019-07-19
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 , H04L9/08 , H04L29/06 , G06Q20/40 , G06F21/62 , G06Q20/10 , G06Q20/38 , H04N5/913 , G06F21/64 , G06Q50/08 , G06Q10/10 , G06Q10/06 , G06Q40/08 , G06Q40/00 , G06Q30/02 , G06Q10/08 , H04L9/32 , G06Q50/18
Abstract: The disclosed embodiments include computerized systems and methods for generating secured block-chain-based ledger data structures that track subdivide 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 block-chain-based ledger may detect an occurrence of a triggering event related to at least one of partial ownership interests in the assets, and may access and decrypt a set of rules hashed into the secured block-chain-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 generation of additional data blocks reflecting a change in at least one of the partial ownership interests, and additionally or alternatively, processes that adaptively monitor a compliance of one or more partial owners with an imposed usage restriction.
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Patent Agency Ranking
公开(公告)号：US10454943B2
公开(公告)日：2019-10-22
申请号：US15234786
申请日：2016-08-11
Applicant: The Toronto-Dominion Bank
Inventor： Christianne Moretti , James Zachary Pryor , Matthew Hamilton , Jonathan K. Barnett , Paul Mon-Wah Chan , Orin Del Vecchio , John Barbon , John Jong-Suk Lee
Abstract: The present disclosure involves systems and computer implemented methods for generating a virtual or augmented reality-based oversight system of business processes at a location remote from where the business process is executed. In one example, system operations include identifying a process-based operation performed at a physical first location, where the operation is associated with a request for oversight from a remote second location. A current state of the operation at the first location is identified, and at least one input source at the first location is identified. A simulation of the current state of the operation at the first location incorporating input from the input source(s) is generated for presentation at the second location. An action performed at the first location in the current state of the operation is identified, and the second location is then transmitted a request to authorize the identified action.
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公开(公告)号：US10438206B2
公开(公告)日：2019-10-08
申请号：US14723331
申请日：2015-05-27
Applicant: The Toronto-Dominion Bank
Inventor： Salim Jivraj , Lauren Van Heerden , Michael D. Cummins , Prabaharan Sivashanmugam , Gerald Jeschke , Andrew Chak , Mike Stephenson , Paul Mon-Wah Chan , John Jong Suk Lee , Orin Del Vecchio
Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.
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公开(公告)号：US10367823B2
公开(公告)日：2019-07-30
申请号：US15297702
申请日：2016-10-19
Applicant: The Toronto-Dominion Bank
Inventor： Christianne Moretti , James Zachary Pryor , Matthew Hamilton , Jonathan K. Barnett , Paul Mon-Wah Chan , Orin Del Vecchio , John Barbon , John Jong-Suk Lee
Abstract: The present disclosure involves systems and computer implemented methods for generating a virtual or augmented reality-based oversight system of business processes at a location remote from where the business process is executed. In one example, system operations include identifying a process-based operation performed at a physical first location, where the operation is associated with a request for oversight from a remote second location. A current state of the operation at the first location is identified, and at least one input source at the first location is identified. A simulation of the current state of the operation at the first location incorporating input from the input source(s) is generated for presentation at the second location. An action performed at the first location in the current state of the operation is identified, and the second location is then transmitted a request to authorize the identified action.
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公开(公告)号：US20190156338A1
公开(公告)日：2019-05-23
申请号：US16251470
申请日：2019-01-18
Applicant: The Toronto-Dominion Bank
Inventor： Hisham I. Salama , Lauren Van Heerden , Orin Del Vecchio , Paul Mon-Wah Chan , Jonathan K. Barnett , Jakub Danielak
Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.
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公开(公告)号：US20190114703A1
公开(公告)日：2019-04-18
申请号：US16212808
申请日：2018-12-07
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan K. Barnett , Lauren Van Heerden , Orin Del Vecchio , Gunalan Nadarajah , John Barbon , Paul Mon-Wah Chan , Jakub Danielak , Christianne Moretti , Matthew Hamilton
IPC: G06Q40/02
Abstract: A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, initiation of the electronic activity by a user at a first physical location is detected, that the electronic activity is to be completed at a physical location different from the first physical location is determined, one or more portions of the electronic activity that remain incomplete are determined, a second physical location at which to complete the one or more incomplete portions of the electronic activity is identified, and information about the electronic activity is provided to the second physical location. In some examples, the identification of the second physical location is based on at least characteristics of the electronic activity, the user, and/or the second physical location.
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