公开(公告)号：US11888854B2

公开(公告)日：2024-01-30

申请号：US17409084

申请日：2021-08-23

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Kushank Rastogi ,  Asad Joheb ,  Lisa Marie Bast ,  Vipul Kishore Lalka

IPC: H04L9/40 ,  G06F21/62 ,  G06F21/31

CPC classification number: H04L63/102 ,  G06F21/31 ,  G06F21/6209

Abstract: A computer-implemented method is disclosed. The method includes: receiving an authentication request to authenticate a first entity with a first service; in response to receiving the authentication request: identifying an access-restricted first data record associated with the first entity; generating a message associated with a first transfer of resources between the first data record and a designated second data record, the message identifying one of the first and second data records as a recipient data record for the first transfer and defining a first quantity of resources to transfer; and transmitting the message to a first server associated with the first entity, the first server requiring user authentication to access the message; determining a completion status of the first transfer; and generating a response to the authentication request based on the completion status of the first transfer.

公开(公告)号：US11861017B2

公开(公告)日：2024-01-02

申请号：US17585850

申请日：2022-01-27

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Gregory Albert Kliewer ,  Anthony Haituyen Nguyen ,  Sairam Srinivasa Poguluru ,  Shishir Dattatraya Bhat

IPC: G06F21/00 ,  G06F21/57 ,  G06F21/52

CPC classification number: G06F21/577 ,  G06F21/52 ,  G06F2221/033

Abstract: A method for evaluating security of third-party application is disclosed. The method includes: receiving, from a first application, a request to obtain first account data for a user account associated with a protected data resource; generating fake data for at least a portion of the requested first account data; providing, to the first application, a first data set in response to the request, the first data set including at least the generated fake data; monitoring use of the first data set by the first application; detecting a trigger condition indicating misuse of account data based on monitoring use of the first data set by the first application; in response to detecting the trigger condition, generating a notification identifying the misuse of account data; and transmitting the notification to a computing device associated with an application user.

公开(公告)号：US11790354B2

公开(公告)日：2023-10-17

申请号：US17365753

申请日：2021-07-01

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

IPC: G06Q40/00 ,  G06Q20/38 ,  G06N20/00

CPC classification number: G06Q20/381 ,  G06N20/00

Abstract: The present disclosure involves systems, software, and computer implemented methods for a remittance system that pre-populates remittance data based on historical usage of remittance transactions. One example system includes operations to generate, using a predictive model, data indicating a predicted likelihood of a user selecting at least one data exchange transaction, wherein the data indicates the predicted likelihood of the user performing the at least one data exchange transaction. A request is received to access a remittance page. In response, the at least one data exchange transaction that was previously generated is selected from a repository of predicted likelihoods. Remittance data associated with a UI element is generated that includes the at least one data exchange transaction. The remittance data is transmitted to the device. An indication from the device is received for interacting with the UI element. The data exchange transaction is executed in response to receiving the indication.

公开(公告)号：US11769148B2

公开(公告)日：2023-09-26

申请号：US17178654

申请日：2021-02-18

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

IPC: G06Q20/38 ,  G06Q20/36 ,  G06Q20/32 ,  H04L9/08 ,  H04L9/32

CPC classification number: G06Q20/3829 ,  G06Q20/322 ,  G06Q20/367 ,  G06Q20/3674 ,  G06Q20/385 ,  H04L9/0866 ,  H04L9/3226 ,  H04L9/3234 ,  H04L2209/56 ,  H04L2209/805

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.

公开(公告)号：US11755783B2

公开(公告)日：2023-09-12

申请号：US17354589

申请日：2021-06-22

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: G06F16/18 ,  G06F16/182 ,  H04L9/00 ,  H04L9/32 ,  H04L9/08 ,  G06F21/64

CPC classification number: G06F21/64 ,  G06F16/1805 ,  G06F16/1834 ,  H04L9/006 ,  H04L9/3247 ,  H04L9/50

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 obtains parameter values characterizing an exchange of data and transmits the parameter values to a first computing system, which executed instructions included within a distributed ledger. The executed additional instructions cause the first computing system to access rules data recorded onto the distributed ledger and establish a consistency between the parameter values and at least a portion of the accessed rules data. The apparatus receives, from the first computing system, confirmation data indicative of the established consistency, and based on the confirmation data, transmit a request to execute the data exchange in accordance with at least the portion of the parameter values to a second computing system.

公开(公告)号：US11689370B2

公开(公告)日：2023-06-27

申请号：US16431090

申请日：2019-06-04

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Arthur Carroll Chow ,  David Samuel Tax ,  Armon Rouhani ,  Keith Sanjay Ajmani ,  Gregory Albert Kliewer ,  Anthony Haituyen Nguyen ,  Martin Albert Lozon ,  Kareem El-Onsi ,  Ashkan Alavi-Harati ,  Arun Victor Jagga

IPC: H04L9/32 ,  H04L9/30

CPC classification number: H04L9/3247 ,  H04L9/30 ,  H04L9/3213

Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that dynamically implement and manage consent and permissioning protocols using container-based applications. By way of example, a device may receive, through a programmatic interface, a first request for an element of data generated by an executed application program. When the first request is consistent with consent data associated the executed application program, the device may obtain the requested data element and a digital signature applied to the requested data element by a computing system. Based on a verification of the applied digital signature, the device may generate and present a representation of the requested data element within a digital interface, along with an interface element that confirms the verification of the digital signature.

公开(公告)号：US11620636B2

公开(公告)日：2023-04-04

申请号：US17061740

申请日：2020-10-02

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Vipul Kishore Lalka ,  Bryan Michael Gleeson ,  Jeffrey Aaron Ecker ,  Derek Richard Castell ,  Anthony Haituyen Nguyen

IPC: G06Q20/34 ,  G06Q20/20 ,  H04L9/06 ,  H04L9/32

Abstract: In some implementations, a method of providing contactless payments at a point of sale terminal includes: 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; in response to receiving the request, causing the device that scanned the machine-readable code to output an interface that includes a prompt for input required to complete the transaction; receiving a response to the prompt; and sending an indication of the response to the prompt to the point-of-sale terminal to allow for completion of the transaction based on the response at the point-of-sale terminal through use of a physical token at the point-of-sale terminal.

公开(公告)号：US11605076B2

公开(公告)日：2023-03-14

申请号：US16371594

申请日：2019-04-01

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 ,  G06F16/25 ,  G06F21/60 ,  H04L9/08 ,  H04L9/30

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.

公开(公告)号：US11593012B1

公开(公告)日：2023-02-28

申请号：US17410061

申请日：2021-08-24

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Jonathan Joseph Prendergast ,  Kushank Rastogi ,  Vipul Kishore Lalka ,  Asad Joheb

IPC: G06F3/06

Abstract: Methods and systems for performing a partial pass-through transfer are described. In an aspect, a method includes: receiving, from a first computing system, pass-through transfer definition data to be associated with a first logical storage area, the pass-through transfer definition data including a trigger condition for a pass-through transfer and an apportionment value for the pass-through transfer; storing a representation of the pass-through transfer definition data in association with the first logical storage area; detecting a first data transfer to the first logical storage area, the first data transfer representing a transfer of a resource; determining that the first data transfer satisfies the trigger condition; and in response to determining that the first data transfer satisfies the trigger condition: identifying a portion of the resource based on the apportionment value; and initiating a second data transfer.

公开(公告)号：US20220191212A1

公开(公告)日：2022-06-16

申请号：US17687969

申请日：2022-03-07

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Arthur Carroll Chow ,  David Samuel Tax ,  Armon Rouhani ,  Keith Sanjay Ajmani ,  Gregory Albert Kliewer ,  Anthony Haituyen Nguyen ,  Martin Albert Lozon ,  Kareem El-Onsi ,  Ashkan Alavi-Harati ,  Arun Victor Jagga

IPC: H04L9/40

Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems that maintain confidential data and unrelated third-party applications. By way of example, an apparatus may obtain interaction data that identifies an interaction between an application program executed at a first computing system and a programmatic interface of a second computing system. Based on the interaction data, the apparatus may generate outcome data characterizing a probability that the requested access to the data element is inconsistent with an access permission granted to the executed application program, and may modify the access permission in accordance with the outcome data. The apparatus may also perform that generate permissioning data indicative of the modified access permission and that store the permissioning data within a locally accessible or cloud-based repository.