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公开(公告)号：US11120439B2
公开(公告)日：2021-09-14
申请号：US16725361
申请日：2019-12-23
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan K. Barnett , Roy D'Souza , John Jong Suk Lee , Christopher Arthur Holland McAlpine , Aleksandar Roskic , Douglas Edward William Watson , Zheng Xi , Shannon Rose Yeoman
Abstract: A server includes a memory and a message processor. The memory stores a data record that includes a credential stored in association with an access restriction indicator, and further includes a cryptographic key. The processor is configured to receive from a network device an access request that includes the credential and a token. The token includes a first data layer and a second data layer that incorporates the first data layer and is encrypted with the cryptographic key. The processor is configured to determine that, prior to the access request, the credential was stored in the data record in association with the access restriction indicator; recover the first data layer from the token by (i) locating the cryptographic key in the data record, and (ii) decrypting the second encrypted data layer with the cryptographic key. The processor is configured to provide the network device with the first data layer.
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公开(公告)号：US10552831B2
公开(公告)日：2020-02-04
申请号：US15283861
申请日：2016-10-03
Applicant: The Toronto-Dominion Bank
Inventor： Jonathan K. Barnett , Roy D'Souza , John Jong Suk Lee , Christopher Arthur Holland McAlpine , Aleksandar Roskic , Douglas Edward William Watson , Zheng Xi , Shannon Rose Yeoman
Abstract: A message processing server includes a memory and a message processor. The message processor is configured to receive first data; save an identifier in association with a first-layer access restriction indicator and a first key, generate a first encrypted layer by encrypting the first data with the first key, and generate a token from the identifier and the first encrypted layer; receive second data and the token; recover the identifier and the first encrypted layer from the token; confirm that the identifier was saved in the memory in association with the first indicator; save the identifier in association with a second-layer access restriction indicator and a second key, generate a second encrypted layer by encrypting the first encrypted layer and the second data with the second key, and regenerate the token from the identifier and the second encrypted layer.
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公开(公告)号：US20170076408A1
公开(公告)日：2017-03-16
申请号：US15265270
申请日：2016-09-14
Applicant: The Toronto-Dominion Bank
Inventor： Roy D'Souza , Roisin Lara Fritz , Jonathan K. Barnett , Paul Mon-Wah Chan , John Jong-Suk Lee , Orin Del Vecchio
CPC classification number: G06Q40/00 , G06Q10/109 , G06Q10/20 , G06Q20/10 , G06Q50/08 , G06Q50/163
Abstract: The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, operations include identifying a property associated with an initial price and collecting information about the property by receiving information from one or more connected devices associated with the property. The one or more connected devices can each have a sensor for monitoring a condition within the property, and can providing information about the condition to the connected device, where the information is associated with a current status of the identified property. At least one action to be performed at the property based on the collected information is determined, with each action corresponding to an element at the property. An aggregate set of cost information associated with each determined action is determined and combined with the initial price to determine a modified purchase price. The modified price is then presented.
Abstract translation: 本公开涉及用于执行基于连接的基于设备的属性评估的系统和计算机实现的方法。 在一个示例中，操作包括识别与初始价格相关联的属性，并且通过从与该属性相关联的一个或多个连接的设备接收信息来收集关于该属性的信息。 一个或多个连接的设备可以各自具有用于监视属性内的状况的传感器，并且可以向所连接的设备提供关于条件的信息，其中信息与所识别的属性的当前状态相关联。 确定基于收集的信息在属性上执行的至少一个动作，每个动作对应于该属性的元素。 确定与每个确定的动作相关联的一组总成本信息，并将其与初始价格组合以确定修改的购买价格。 然后提出修改后的价格。
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