公开(公告)号：US11966491B2

公开(公告)日：2024-04-23

申请号：US17220061

申请日：2021-04-01

Applicant: The Toronto-Dominion Bank

Inventor： Dino Paul D'Agostino

IPC: G06F21/62 ,  G06F21/44 ,  G06F40/279 ,  H04L51/18 ,  H04L51/216 ,  H04L51/56

CPC classification number: G06F21/6245 ,  G06F21/44 ,  G06F40/279 ,  H04L51/18 ,  H04L51/216 ,  H04L51/56

Abstract: Messaging servers, methods and storage media for processing instructions associated with one or more data transfers are disclosed. Exemplary implementations may: receive, at a messaging server and from a computing device, a first unauthenticated message including data transfer instructions associated with the one or more data transfers; perform, by the messaging server, a verification process to authenticate the computing device in order to authenticate the data transfer instructions; assign, by the messaging server and based on authenticating the computing device, a conversation authentication identifier to the first unauthenticated message received from the computing device; and automatically assign, by the messaging server, the same conversation authentication identifier to subsequent unauthenticated messages between the computing device and the messaging server that are associated with the one or more data transfers. A system may authenticate and unify received messages to securely process data transfer instructions, for example from existing email clients.

公开(公告)号：US11956244B2

公开(公告)日：2024-04-09

申请号：US17941065

申请日：2022-09-09

Applicant: The Toronto-Dominion Bank

Inventor： Harjot Singh Panag ,  Kevin Wayne Faragher ,  Sumathi Seetharaman

IPC: H04L9/40

CPC classification number: H04L63/102 ,  H04L63/083

Abstract: A server 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 user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, and in response to determining that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, initiate the transfer of the first quantity of resources.

公开(公告)号：US11954690B2

公开(公告)日：2024-04-09

申请号：US16251470

申请日：2019-01-18

Applicant: The Toronto-Dominion Bank

Inventor： Hisham I. Salama ,  Lauren Van Heerden ,  Orin Del Vecchio ,  Paul Mon-Wah Chan ,  Jonathan K. Barnett ,  Jakub Danielak

IPC: G06Q20/38 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/40

CPC classification number: G06Q20/405 ,  G06Q20/10 ,  G06Q20/12 ,  G06Q20/20 ,  G06Q20/34 ,  G06Q20/38215 ,  G06Q20/3827 ,  G06Q20/3829

Abstract: The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction.

公开(公告)号：US11948211B2

公开(公告)日：2024-04-02

申请号：US18318216

申请日：2023-05-16

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel Tax ,  Milos Dunjic ,  Kushank Rastogi ,  Joseph Matthew Capern

IPC: G06Q30/00 ,  G06Q20/32 ,  G06Q20/38 ,  G06Q30/0601 ,  G06Q40/04 ,  G06Q50/14 ,  H04W4/02 ,  H04W4/20

CPC classification number: G06Q50/14 ,  G06Q20/3224 ,  G06Q20/381 ,  G06Q30/0631 ,  G06Q40/04 ,  H04W4/02 ,  H04W4/20

Abstract: Computing devices, systems, and methods for automatically prompting a foreign currency transaction by detecting a trip end condition associated with a registered user with respect to travel to a foreign location associated with a foreign currency. The methods and system may further determine that the registered user has a remaining foreign currency balance, and, as a result, may identify and send to the registered user's mobile device at least one option for using the remaining foreign currency balance. The at least one option may be a merchant offer from a merchant located in the area of the mobile device or may include an option to exchange the foreign currency for another currency. The trip end condition may be detected by determining that the registered user and/or user's mobile device is at an international departure location. The currency exchange may be with another registered user.

公开(公告)号：US20240094960A1

公开(公告)日：2024-03-21

申请号：US17947226

申请日：2022-09-19

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  David Samuel TAX ,  Kushank RASTOGI ,  Thomas Osman KELLY ,  Pranay Chander GUPTA ,  Hitesh BAJAJ ,  Asad JOHEB

IPC: G06F3/06

CPC classification number: G06F3/0655 ,  G06F3/0604 ,  G06F3/0673

Abstract: A computer-implemented method is disclosed. The method includes: receiving an initiation request for a data transfer associated with a terminal; determining that a resource external to the first logical storage area should be accessed to complete the data transfer; in response to determining that the resource external to the first logical storage area should be accessed to complete the data transfer, triggering a query message to an electronic device accessible to an entity associated with the first logical storage area, the query message prompting for an instruction to access the resource external to the first logical storage area to complete the transfer; receiving, from the electronic device, an instruction to access the resource external to the first logical storage area to complete the transfer; and in response to receiving the instruction, effecting the transfer using the resource external to the first logical storage area.

公开(公告)号：US11928626B2

公开(公告)日：2024-03-12

申请号：US17302093

申请日：2021-04-23

Applicant: The Toronto-Dominion Bank

Inventor： Joseph Vincent Scarfutti ,  Christian Caberoy De La Peña ,  Aneesha Suresh Bulchandani

IPC: G06F9/44 ,  G06F9/54 ,  G06F16/21 ,  G06F16/2458 ,  G06Q10/0633

CPC classification number: G06Q10/0633 ,  G06F9/546 ,  G06F16/212 ,  G06F16/2477

Abstract: A system and method are provided for persisting data generated in executing a process workflow. The method is executed by a device having a communications module and includes receiving via the communications module messages exchanged in executing the process workflow by a message broker. The method also includes using a writer service to disassemble each received message into multiple properties according to a database schema and persist the received message in a database according to the database schema via the communications module. The method also includes using a reader service to access the database and assemble the multiple properties of a first persisted message, in response to a read request received via the communications module, wherein the reader service is separate from the writer service.

公开(公告)号：US11907945B2

公开(公告)日：2024-02-20

申请号：US17902386

申请日：2022-09-02

Applicant: The Toronto-Dominion Bank

Inventor： Christopher Mark Jones ,  Barry Wayne Baird, Jr. ,  Claude Bernell Lawrence, Jr. ,  Jonathan Joseph Prendergast

IPC: G06Q20/32 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q30/0238 ,  G06Q30/0251

CPC classification number: G06Q20/40 ,  G06Q20/10 ,  G06Q20/3224 ,  G06Q30/0238 ,  G06Q30/0261

Abstract: The disclosed embodiments include computer-implemented processes that determine, in real time, counterparty geolocation location based on structured messaging data, such as messaging data maintained within message fields of a request-for-payment (RFP) message compliant with the ISO 20022. For example, an apparatus may receive a RFP message that includes message data associated with a transaction involving first and second counterparties, and the RFP message may characterize a real-time payment requested from the second counterparty by the first counterparty. The apparatus may determine a geographic position of the first counterparty based the message data, and based on the first geographic position, transmit notification data to a device operable by the second counterparty. The notification data may cause the device to present digital content associated with at least one of the transaction, the first counterparty, or the second counterparty within a digital interface.

公开(公告)号：US20240054557A1

公开(公告)日：2024-02-15

申请号：US17887820

申请日：2022-08-15

Applicant: The Toronto-Dominion Bank

Inventor： Milos DUNJIC ,  David Samuel TAX ,  Kushank RASTOGI

IPC: G06Q40/02 ,  G06Q20/40 ,  G06Q20/22

CPC classification number: G06Q40/02 ,  G06Q20/403 ,  G06Q20/227

Abstract: In some aspects, a computing system may include a processor. Also, the computing system may include a communications module coupled to the processor. Furthermore, the computing system may include a memory coupled to the processor, the memory storing instructions that, when executed, configure the computing system to: determine a daily positive modifier amount based on an amount of positive adjustments to an account over an extended time period; determine a daily non-discretionary negative modifier amount based on an amount of non-discretionary negative adjustments to the account over the extended time period; determine a daily discretionary amount based on the daily positive modifier amount and the daily non-discretionary negative modifier amount; detect an expected negative modification event; and in response to detect the expected negative modification event, trigger a notification based on the daily discretionary amount.

公开(公告)号：US11902289B2

公开(公告)日：2024-02-13

申请号：US17028016

申请日：2020-09-22

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Anthony Haituyen Nguyen ,  Yubing Liu ,  Arthur Carroll Chow ,  Casey Lyn Doyle ,  Richard John Frederick Thake ,  Mengfei Wang ,  Aaron Ashish Hudali ,  Gregory Albert Kliewer ,  Martin Albert Lozon ,  Yusbel Garcia Diaz ,  Gareth Daly ,  Masashi Kobayashi ,  Randall John Bast

IPC: H04L9/40 ,  H04L9/32 ,  H04L9/08 ,  H04L9/30

CPC classification number: H04L63/123 ,  H04L9/0869 ,  H04L9/3213 ,  H04L9/3247 ,  H04L9/3268 ,  H04L63/0442 ,  H04L63/10 ,  H04L9/30

Abstract: A computer-implemented method is disclosed. The method includes: receiving, from a web server associated with a protected resource, a first signal including a request to validate a bearer token submitted by a client device to the web server, the bearer token including a digital signature; validating the bearer token, the validating including verifying the digital signature using a public key associated with an end user of the client device; and in response to validating the bearer token, sending to the web server a second signal including a notification that the bearer token is valid.

公开(公告)号：US11900352B2

公开(公告)日：2024-02-13

申请号：US17399200

申请日：2021-08-11

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Perry Aaron Jones Haldenby ,  John Jong-Suk Lee

IPC: G06Q20/02 ,  G06Q20/32 ,  G06Q20/20

CPC classification number: G06Q20/204 ,  G06Q20/20 ,  G06Q20/3223

Abstract: The disclosed embodiments include computer-implemented systems and processes that perform operations that initiate, approve, and execute exchanges of data between network-connected systems, apparatuses, and devices in a computing environment. For example, a network-connected apparatus may receive a first value of a parameter that characterizes an exchange of data initiated at a terminal device, identify a second value of the parameter allocated to the client device. In response to a determination that the first parameter value exceeds the second parameter value, the apparatus may request, and receive, parameter data from an application program executed by the at least one processor. The parameter data may identify a third value of the parameter allocated to the client device by the executed application program, and the apparatus may authorize, based on the second and third parameter values, a performance of the initiated data exchange in accordance with the first parameter value.