公开(公告)号：US20200272766A1

公开(公告)日：2020-08-27

申请号：US16281718

申请日：2019-02-21

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

IPC: G06F21/64 ,  H04L9/00 ,  H04L9/32 ,  G06F16/18 ,  G06F16/182

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 may obtain parameter data and additional content associated with a data exchange. The apparatus may generate first data that includes at least a portion of the additional content accessible to a first computing system, and may generate second data that includes at least a portion of the parameter data. The apparatus may provide the first data to a peer computing system, which records encrypted information associated with the first data within an element of a distributed ledger accessible at the first computing system. The apparatus may also provide the second data to a second computing system, which executes the data exchange in accordance with at least the portion of the parameter data.

公开(公告)号：US20250156876A1

公开(公告)日：2025-05-15

申请号：US19020096

申请日：2025-01-14

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel TAX ,  Milos DUNJIC ,  Kushank RASTOGI

IPC: G06Q20/40 ,  G06Q20/10 ,  G06Q20/20 ,  G06Q20/22 ,  G06Q20/34 ,  H04L9/40

Abstract: A computer-implemented method is disclosed. The method includes: detecting a transaction initiated at a terminal device using the value transfer card; receiving, via the terminal device, input of a first authentication password associated with the value transfer card during a card session that begins when the value transfer card is inserted into the terminal device; identifying at least one first card control setting associated with the first authentication password that defines one or more transaction restrictions; in response to determining that the transaction is not permitted based on the at least one first card control setting: receiving, via the terminal device, input of a second override password associated with the value transfer card during the card session; determining that at least one second card control setting associated with the second override password defines an override condition for disabling the at least one first card control setting for the card session; and processing the transaction based on disabling the at least one first card control setting.

公开(公告)号：US20250045830A1

公开(公告)日：2025-02-06

申请号：US18364073

申请日：2023-08-02

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  David Samuel TAX ,  Jonathan Joseph PRENDERGAST ,  Hitesh BAJAJ ,  Kenneth Tien Poh WONG

IPC: G06Q40/06

Abstract: Systems and methods for managing conditional use data resources are described. A conditional data record is disclosed. The conditional data record records only data resources having conditions restricting use and excludes data resources defined in a non-conditional data record. A first transfer of first data resources is received to an account. The first transfer has a first condition restricting use of the first data resources. The conditional data record is updated based on the first data resources. A transfer request for second data resources is received. The transfer request includes metadata defining a second condition. Based on the metadata, a determination is made regarding whether data resources associated with the conditional data record or data resources associated with the non-conditional data record should be used to complete the transfer request. The transfer request is completed.

公开(公告)号：US20250005578A1

公开(公告)日：2025-01-02

申请号：US18882109

申请日：2024-09-11

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  David Samuel TAX ,  Jonathan Joseph PRENDERGAST ,  Christopher Mark JONES ,  Asad JOHEB ,  Thomas Osman KELLY

IPC: G06Q20/40 ,  G06Q20/18 ,  G06Q30/0601

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. The ambient commerce system may include a processor coupled to the one or more sensors. The ambient commerce system may include a memory coupled to the processor. The memory may store processor-executable instructions which, when executed, cause the processor to: detect, based on an output of one or more of the sensors, engagement of an entity with a restricted item; identify the entity; obtain at least a portion of a profile for the entity; determine, based on the at least a portion of the profile for the identified entity, eligibility for the entity to acquire the restricted item; and selectively generate, based on the determined eligibility for the entity, a notification on an electronic device associated with the entity.

公开(公告)号：US20240356864A1

公开(公告)日：2024-10-24

申请号：US18763621

申请日：2024-07-03

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：US20240232858A1

公开(公告)日：2024-07-11

申请号：US18152978

申请日：2023-01-11

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel TAX ,  Milos DUNJIC ,  Anthony Haituyen NGUYEN ,  Dean Constantin Nicholas TSERETOPOULOS ,  Edwin VAN DAMME

IPC: G06Q20/36 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/38 ,  G06Q20/40

CPC classification number: G06Q20/3672 ,  G06Q20/208 ,  G06Q20/351 ,  G06Q20/3821 ,  G06Q20/3829 ,  G06Q20/389 ,  G06Q20/4012

Abstract: In an aspect, a processor-implemented method is disclosed. The method may be performed by a server. A method may include: receiving an authentication request from a device, the authentication request including a unique identifier; authenticating the authentication request by: retrieving a non-fungible token (NFT) identifier and public key associated with the unique identifier; identifying, from a blockchain, a blockchain address that is an owner of an NFT represented by the NFT identifier; verifying that the blockchain address that is the owner of the NFT is associated with the public key that is associated with the unique identifier; and verifying that a private key stored in a secure area of the device is associated with the public key that is associated with the unique identifier; and after authenticating the authentication request, enabling an operation not available prior to authenticating the authentication request.

公开(公告)号：US20240144220A1

公开(公告)日：2024-05-02

申请号：US18405473

申请日：2024-01-05

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel TAX ,  Milos DUNJIC ,  Derek Richard CASTELL ,  Anthony Haituyen NGUYEN ,  Bryan Michael GLEESON ,  Jeffrey Aaron ECKER

IPC: G06Q20/20 ,  G06Q20/12 ,  G06Q20/36 ,  G06Q20/40

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.

公开(公告)号：US20230385890A1

公开(公告)日：2023-11-30

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

CPC classification number: G06Q30/0609

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：US20230281588A1

公开(公告)日：2023-09-07

申请号：US17684743

申请日：2022-03-02

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  David Samuel TAX ,  Jonathan Joseph PRENDERGAST ,  Asad JOHEB ,  Christopher Mark JONES ,  Thomas Osman KELLY

IPC: G06Q20/20 ,  G06Q20/36

CPC classification number: G06Q20/204 ,  G06Q20/363

Abstract: In another aspect, a computer-implemented method is described. The method includes: detecting that an electronic device that has been previously configured to communicate with the ambient commerce system is at the ambient commerce premises, the electronic device associated with an entity; receiving, from the electronic device, a wallet identifier, the wallet identifier uniquely identifying a particular wallet that is to be used to complete an ambient commerce transaction; identifying, based on the sensor, one or more items that are to be associated with the ambient commerce transaction; and processing the ambient commerce transaction for the identified one or more items using the particular wallet identified by the wallet identifier.

公开(公告)号：US20230177503A1

公开(公告)日：2023-06-08

申请号：US18105365

申请日：2023-02-03

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: G06Q20/38 ,  G06F16/23 ,  G06F21/60 ,  H04L9/30 ,  H04L9/08 ,  G06F16/25

CPC classification number: G06Q20/389 ,  G06F16/258 ,  G06F16/2379 ,  G06F21/602 ,  G06Q20/3829 ,  H04L9/30 ,  H04L9/0819 ,  G06Q2220/00

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that monitor and reconcile indirectly initiated exchanges of data between network-connected devices and computing systems using a permissioned distributed ledger. For example, an apparatus may obtain and transmit first transaction information characterizing a data exchange to a first computing system. The first computing system may submit a portion of the first transaction information to a second computing system through a programmatic interface inaccessible to the apparatus, and the second computing system may execute the data exchange in accordance with at least the portion of the first transaction information. The apparatus may also obtain at least one element of a distributed ledger that includes encrypted second transaction information characterizing the execution of the data exchange, decrypt the encrypted second transaction data and perform operations that reconcile the first transaction information and the decrypted second transaction information.