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公开(公告)号：US20230169484A1
公开(公告)日：2023-06-01
申请号：US18159714
申请日：2023-01-26
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX
CPC classification number: G06Q20/223 , G06Q20/102
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：US20230086321A1
公开(公告)日：2023-03-23
申请号：US17482581
申请日：2021-09-23
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Vipul Kishore LALKA
Abstract: A computer system is provided, comprising a processor; a communications module coupled to the processor; and a memory module coupled to the processor and storing instructions that, when executed by the processor, cause the computer system to: receive an image representing a check; extract data from a portion of the image; identify routing data, based on the extracted data, from a recipient field associated with the check; and initiate an electronic transfer by sending a transfer message using the routing data.
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公开(公告)号：US20230046386A1
公开(公告)日：2023-02-16
申请号：US17401520
申请日：2021-08-13
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Kushank RASTOGI , Casey Jade FORSTER , Somea SHAHED , Margaret Elizabeth INDEN
IPC: G06Q40/02 , G06Q20/10 , G06F16/955 , H04L29/08
Abstract: A request to separate a transfer into a plurality of parts may be received, the request defining a total amount and a total time period. A plurality of request for transfer links may be prepared. Each of the links may be associated with a different transfer time period, each transfer time period being less than or equal to the total time period. Each of the links may be associated with a separate transfer part amount, and a summation of the separate transfer part amounts may be equal to the total amount. A plurality of request for transfer links may be provided to a transferor device, each link allowing a transfer to fulfill the separate transfer part amount to be performed without requiring input of the separate transfer part amount or recipient information.
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64.发明申请公开(公告)号：US20230037807A1
公开(公告)日：2023-02-09
申请号：US17392634
申请日：2021-08-03
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Kushank RASTOGI , Vipul Kishore LALKA
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 the communications module and from a client device, a signal including a request to configure a transfer of data to a particular data record; determine that the particular data record is associated with a third party server; obtain a trust score associated with the particular data record; determine that the trust score satisfies trust criteria; and responsive to determining that the trust score satisfies trust criteria, enable one or more transfer features associated with a real-time transfer protocol.
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公开(公告)号：US20220180337A1
公开(公告)日：2022-06-09
申请号：US17112093
申请日：2020-12-04
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX
Abstract: Methods and computer systems for configuring recurring data transfers. Receiving, from a first computing system, a request to configure a recurring data transfer to a recipient, the request provided as a request for an immediate data transfer, the request for the immediate data transfer indicating a requested transfer amount and an intended transferor, the intended transferor indicated using an alias. Receiving user input from a computing device engaged using the alias, the user input including an indication of authorization of the immediate data transfer, the indication further including an indication of consent to pre-authorization of the recurring data transfer. In response to receiving the user input, transmitting a message to a system associated with the recipient, the message transferring data indicating the requested transfer amount, and wherein the message further includes an indication to the system associated with the recipient of consent to pre-authorization of the recurring data transfer.
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Patent Agency Ranking
公开(公告)号：US20220076258A1
公开(公告)日：2022-03-10
申请号：US17016436
申请日：2020-09-10
Applicant: The Toronto-Dominion Bank
Inventor： David Samuel TAX , Milos DUNJIC , Kushank RASTOGI
Abstract: A processor-implemented method is disclosed. The method includes: receiving, via a terminal device, input of a first password during a card session that begins when a value transfer card is inserted into the terminal device, the value transfer card being associated with a plurality of passwords; verifying that the first password is a valid password associated with the value transfer card; identifying at least one card control setting associated with the first password, the at least one card control setting being a setting that is not associated with another one of the plurality of passwords; and processing a transaction initiated at the terminal device based on the identified at least one card control setting.
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公开(公告)号：US20210383019A1
公开(公告)日：2021-12-09
申请号：US17410532
申请日：2021-08-24
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , Anthony Haituyen NGUYEN , Gregory Albert KLIEWER , David Samuel TAX , Sairam Srinivasa POGULURU , Shishir Dattatraya BHAT
Abstract: In an aspect, the present application may describe a method. The method may include: receiving, from a remote computing device, a first indication of consent for an authenticated entity to share data with a first third party server, the first indication of consent associated with a first sharing permission defining a first sharing scope; in response to receiving the first indication of consent: configuring a server to share data for the authenticated entity with the first third party server based on the sharing permission; identifying a first safety score, the first safety score associated with the first third party server; and updating a risk score for the authenticated entity based on the first safety score and the first sharing permission; and sending the updated risk score for the authenticated entity to the remote computing device for display thereon.
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公开(公告)号：US20210240379A1
公开(公告)日：2021-08-05
申请号：US16781136
申请日：2020-02-04
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , David Samuel TAX , Vipul Kishore LALKA
Abstract: A system 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 by the processor, configure the processor to receive, via the communications module, a transfer instruction for transfer of data from a first data record associated with a transferor to a second data record associated with a recipient, the transfer instruction including a transfer amount and a condition associated with the transfer; send, via the communications module, a notification of the transfer instruction to a computing device associated with the recipient and request permission to obtain contextual data therefrom; when permission is granted, obtain, via the communications module, contextual data from the computing device; determine, based on the contextual data, that the condition associated with the transfer has been satisfied; and in response to determining that the condition associated with the transfer has been satisfied, effect the transfer of data from the first data record to the second data record.
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69.发明申请公开(公告)号：US20200058068A1
公开(公告)日：2020-02-20
申请号：US16105132
申请日：2018-08-20
Applicant: The Toronto-Dominion Bank
Inventor： Rajeev Kumar GANDHI , Robert Kyle MILLER , Kushank RASTOGI , David Samuel TAX , Milos DUNJIC , Arthur Carroll CHOW , Armon ROUHANI , Maryam KARBASI , Kamana TRIPATHI , John Jong-Suk LEE , Arun Victor JAGGA
Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, dynamically provision and initiate exchanges of data between network-connected devices and systems based on aggregated contextual information. For example, a network-connected apparatus may obtain (i) first data identifying first exchanges of data initiated during a first temporal interval, (ii) second data identifying a current parameter value of the first data exchanges, and (iii) third data identifying a status of an account involved in the first data exchanges. Based on the first, second, and third data, the apparatus may compute a value indicative of a probability of an initiation of a second data exchange involving the account during a second temporal interval. Further, when the computed value is consistent with an alert criterion, the apparatus may transmit alert data characterizing the second data exchange to a device for display within an interface.
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公开(公告)号：US20190108511A1
公开(公告)日：2019-04-11
申请号：US15725689
申请日：2017-10-05
Applicant: The Toronto-Dominion Bank
Inventor： Milos DUNJIC , Perry Aaron Jones HALDENBY , Arthur Carroll CHOW , Anthony Haituyen NGUYEN , Het Anand PATEL , Casey Lyn DOYLE , Yubing LIU , John Jong-Suk LEE , David Samuel TAX , Arun Victor JAGGA
Abstract: Computer-implemented methods and systems reliant on establishing a common session key between an electronic device and a computer server are disclosed. The method and systems may be for processing de-tokenization requests in payment transaction processing and for preparing an electronic device to perform payment transactions. During such a transaction, the server may perform a method that includes receiving a de-tokenization request including a payment token and a cryptogram generated by the electronic device using a session key generated by the electronic device based on a fingerprint of the electronic device, a secret value previously shared with the electronic device, the payment token, and a transaction counter; retrieving the fingerprint, the secret value, and the transaction counter and generating the session key based on the same; verifying the cryptogram using the session key; retrieving an associated account number; and sending response to the request including the account number.
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