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公开(公告)号：US11966495B2
公开(公告)日：2024-04-23
申请号：US18187227
申请日：2023-03-21
Applicant: The Toronto-Dominion Bank
Inventor： Milos Dunjic , David Samuel Tax , Kevin Wayne Faragher , Harjot Singh Panag
IPC: G06F21/62 , G06F21/34 , H04L9/40 , H04W12/062 , H04W12/69
CPC classification number: G06F21/6245 , G06F21/34 , H04L63/102 , H04L63/108 , H04W12/062 , H04W12/69
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.
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公开(公告)号：US11915227B2
公开(公告)日：2024-02-27
申请号：US17890315
申请日：2022-08-18
Applicant: The Toronto-Dominion Bank
Inventor： Milos Dunjic , David Samuel Tax , Kushank Rastogi , Derek Guan , Zainab Eniola Bello
CPC classification number: G06Q20/3572 , G06Q20/3433 , G06Q20/381
Abstract: A processor-implemented method is disclosed. The method includes: configuring, by a processor, a value transfer card to be associated with a default currency account and one or more foreign currency accounts; receiving, by the processor, input including a selection of at least one of the one or more foreign currency accounts and a card control setting to be applied for the value transfer card in connection with the selected at least one foreign currency account; detecting, by the processor, a first transaction initiated using the value transfer card, wherein the detecting includes receiving a request to process the first transaction in a first currency associated with the selected at least one foreign currency account; determining, by the processor in real-time, that the first transaction results in violation of the card control setting for the value transfer card; and in response to determining that the first transaction results in violation of the card control setting for the value transfer card: querying, by the processor in real-time, an exchange rates database to obtain a current exchange rate between the first currency associated with the selected at least one foreign currency account and a second currency associated with a second one of the currency accounts; and processing the first transaction using the second currency account and the current exchange rate.
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公开(公告)号：US11907925B2
公开(公告)日：2024-02-20
申请号：US17142605
申请日：2021-01-06
Applicant: The Toronto-Dominion Bank
Inventor： David Samuel Tax , Milos Dunjic , Derek Richard Castell , Anthony Haituyen Nguyen , Bryan Michael Gleeson , Jeffrey Aaron Ecker
CPC classification number: G06Q20/20 , G06Q20/127 , G06Q20/36 , G06Q20/40
Abstract: In an aspect a computer-implemented method is described. The method may include: causing a point-of-sale terminal processing a transaction to display a machine-readable code, the machine-readable code encoding a web address; receiving a request from a device that scanned the machine-readable code, the request received at the web address and the request including data; determining, based on data encoded in the machine-readable code and data included in the request, that the transaction may be processed using a value-added service; and in response to determining that the transaction may be processed using the value-added service, enabling completion of the transaction using the value-added service.
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公开(公告)号：US11729163B2
公开(公告)日：2023-08-15
申请号：US17206694
申请日：2021-03-19
Applicant: The Toronto-Dominion Bank
Inventor： Dino Paul D'Agostino , David Samuel Tax , Milos Dunjic , Sahana Dorai , Nolan Glynn-Udrow
IPC: H04L9/40
CPC classification number: H04L63/0853 , H04L63/0245 , H04L63/0435 , H04L63/0876
Abstract: A computer-implemented method may comprise: receiving, via a first application on the computing device, a request to connect a first data record associated with the first application with a second data record associated with a second application on the computing device; and establishing a secure communication channel between the first application and the second application, the secure communication channel enabling transmission of data between the first application and the second application, wherein establishing the secure communication channel comprises: sending, to the second application, identifying information for the first data record and a first device token associated with the first application; receiving, from the second application, a second device token associated with the second application; and causing the second device token to be stored, in the memory, in association with the first application.
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公开(公告)号：US11687933B2
公开(公告)日：2023-06-27
申请号：US16132308
申请日：2018-09-14
Applicant: The Toronto-Dominion Bank
Inventor： Milos Dunjic , David Samuel Tax , Arun Victor Jagga
CPC classification number: G06Q20/4014 , G06Q20/204 , G06Q20/387 , G06Q20/4012
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.
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Patent Agency Ranking
公开(公告)号：US11636225B2
公开(公告)日：2023-04-25
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
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.
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公开(公告)号：US11615212B2
公开(公告)日：2023-03-28
申请号：US17399539
申请日：2021-08-11
Applicant: The Toronto-Dominion Bank
Inventor： Milos Dunjic , David Samuel Tax , Arthur Carroll Chow , Peter Glen Nairn , Edward James Hood , Martin Albert Lozon , John Jong-Suk Lee , Arun Victor Jagga
Abstract: A computer system and method for managing a data request interface. The system includes a memory associated with the data request interface and coupled to a processor. The memory includes processor-executable instructions of the method for managing the data request interface. The method includes: receiving, from a first client device, a first signal including a primary authorization credential associated with a data record and a second signal including a request to generate an alternate authorization credential for use by a software module. The alternate authorization credential is associated with data retrieval constraints. The method includes generating the alternate authorization credential and configuring the data request interface to impose the data retrieval constraints for constraining data operations on the data record upon receipt of the alternate authorization credential. The method further includes sending, to the first client device or a second client device, a third signal including the alternate authorization credential.
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公开(公告)号：US11593784B2
公开(公告)日：2023-02-28
申请号：US17377846
申请日：2021-07-16
Applicant: The Toronto-Dominion Bank
Inventor： Milos Dunjic , David Samuel Tax
Abstract: A server computer system, comprises a processor; a communications module coupled to the processor; and a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to receive, via a user interface displayed on a client device, a signal including a request to transfer data; identify, based on the request to transfer data, a particular data record for receiving the data; determine, based on the particular data record, that a real-time transfer protocol is available to complete the transfer; and in response to determining that the real-time transfer protocol is available to complete the transfer, send, to the client device, a signal enabling a selectable option on the user interface to complete the transfer using the real-time transfer protocol.
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公开(公告)号：US11539705B2
公开(公告)日：2022-12-27
申请号：US16791362
申请日：2020-02-14
Applicant: The Toronto-Dominion Bank
Inventor： Milos Dunjic , Anthony Haituyen Nguyen , David Samuel Tax
IPC: H04L9/40
Abstract: A server comprises a communications module, a processor coupled to the communications module, and a memory coupled to the processor, the memory storing processor-executable instructions which, when executed, configure the processor to receive, via the communications module and from a monitoring application installed on a remote computing device, on-device application data, generate a risk profile for a user based at least on the on-device application data, configure a data sharing configuration option for sharing data associated with the user based on the risk profile for the user, and share the data based on the data sharing configuration option.
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30.发明授权公开(公告)号：US11468903B2
公开(公告)日：2022-10-11
申请号：US17063036
申请日：2020-10-05
Applicant: The Toronto-Dominion Bank
Inventor： Milos Dunjic , David Samuel Tax , Arthur Carroll Chow , Peter Glen Nairn , Edward James Hood , Martin Albert Lozon , John Jong-Suk Lee , Arun Victor Jagga
Abstract: A system, device and method for enforcing privacy during a communication session with a voice assistant are disclosed. In response to a determination that an environment of a first voice assistant device is not private, a first secure communication session between the first voice assistant device and an application server is suspended. In response a determination that one or more other voice assistant devices have been authorized for communication with the application server is made and input to transfer the first secure communication session, a second secure communication session between a second voice assistant device and the application server is initiated. The first secure communication session between the first voice assistant device and the application server is terminated in response to successful initiation of the second secure communication session.
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