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    SYSTEMS AND METHOD FOR ENABLING A DATA EXCHANGE
    81.
    发明申请
    SYSTEMS AND METHOD FOR ENABLING A DATA EXCHANGE 审中-公开

    公开(公告)号：US20180096335A1

    公开(公告)日：2018-04-05

    申请号：US15285888

    申请日：2016-10-05

    Applicant: The Toronto-Dominion Bank

    Inventor： Joe Moghaizel ,  Tricia Elizabeth Allen ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee ,  Rakesh Thomas Jethwa

    IPC: G06Q20/22

    CPC classification number: G06Q20/227 ,  G06Q20/405

    Abstract: The present disclosure involves systems and methods for automatically analyzing available data exchange terms based on an analysis and comparison of available terms, where some of the terms may be unavailable in the current data exchange context based on the user and counter party to the data exchange. One example system includes a memory and a processor. Operations performed by the processor can include receiving a data exchange request associated with a set of information and an identifier. A set of contextual information associated with the received request can be determined. Options associated with the identifier, each associated with a set of terms, can be loaded from a storage device. A subset of viable options can be determined from the options based on the set of information and the contextual information, and a particular option from the subset can be selected for use in executing the received data exchange request.

    Connected Device-Based Property Evaluation
    83.
    发明申请
    Connected Device-Based Property Evaluation 审中-公开
    连接的基于设备的属性评估

    公开(公告)号：US20170076408A1

    公开(公告)日：2017-03-16

    申请号：US15265270

    申请日：2016-09-14

    Applicant: The Toronto-Dominion Bank

    Inventor： Roy D'Souza ,  Roisin Lara Fritz ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee ,  Orin Del Vecchio

    IPC: G06Q50/16 ,  G06Q10/00

    CPC classification number: G06Q40/00 ,  G06Q10/109 ,  G06Q10/20 ,  G06Q20/10 ,  G06Q50/08 ,  G06Q50/163

    Abstract: The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, operations include identifying a property associated with an initial price and collecting information about the property by receiving information from one or more connected devices associated with the property. The one or more connected devices can each have a sensor for monitoring a condition within the property, and can providing information about the condition to the connected device, where the information is associated with a current status of the identified property. At least one action to be performed at the property based on the collected information is determined, with each action corresponding to an element at the property. An aggregate set of cost information associated with each determined action is determined and combined with the initial price to determine a modified purchase price. The modified price is then presented.

    Abstract translation: 本公开涉及用于执行基于连接的基于设备的属性评估的系统和计算机实现的方法。 在一个示例中，操作包括识别与初始价格相关联的属性，并且通过从与该属性相关联的一个或多个连接的设备接收信息来收集关于该属性的信息。 一个或多个连接的设备可以各自具有用于监视属性内的状况的传感器，并且可以向所连接的设备提供关于条件的信息，其中信息与所识别的属性的当前状态相关联。 确定基于收集的信息在属性上执行的至少一个动作，每个动作对应于该属性的元素。 确定与每个确定的动作相关联的一组总成本信息，并将其与初始价格组合以确定修改的购买价格。 然后提出修改后的价格。

    Systems and Methods for Automatically Generating Order Data Based on Social Media Messaging
    85.
    发明申请
    Systems and Methods for Automatically Generating Order Data Based on Social Media Messaging 审中-公开
    基于社交媒体消息自动生成订单数据的系统和方法

    公开(公告)号：US20170039608A1

    公开(公告)日：2017-02-09

    申请号：US15228705

    申请日：2016-08-04

    Applicant: The Toronto-Dominion Bank

    Inventor： Bruno Sandre ,  Matthew Hamilton ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong Suk Lee ,  Orin Del Vecchio

    IPC: G06Q30/06 ,  G06Q40/04 ,  H04L12/58

    CPC classification number: G06Q40/04 ,  G06Q40/06 ,  G06Q50/01 ,  H04L41/22 ,  H04L51/32 ,  H04L63/083 ,  H04L63/101 ,  H04L63/102 ,  H04L63/126 ,  H04L67/12 ,  H04L67/306

    Abstract: The disclosed embodiments include computerized methods and systems that facilitate automate trade-order entry and execution based on social media messaging. In one embodiment, an apparatus may receive, from a social-networking service, social media data that includes various social media messages associated with social-networking accounts of various users. The apparatus may detect an occurrence of a predetermined element of content within a first social media message associated with a social networking account of a first user, and may extract data identifying at least one parameter of an action from the first social media message. The apparatus may generate proposed transaction parameters that include the at least one extracted action parameter, and in response to a confirmation of the proposed transaction parameters, the apparatus may generate one or more electronic commands to initiate a performance of the action in accordance with the confirmed transaction parameters.

    Abstract translation: 所公开的实施例包括促进基于社交媒体消息传送的自动交易订单输入和执行的计算机化方法和系统。 在一个实施例中，设备可以从社交网络服务接收包括与各种用户的社交网络帐户相关联的各种社交媒体消息的社交媒体数据。 该装置可以检测与第一用户的社交网络帐户相关联的第一社交媒体消息内的预定内容元素的出现，并且可以从第一社交媒体消息中提取识别动作的至少一个参数的数据。 该装置可以生成包括至少一个提取的动作参数的建议的交易参数，并且响应于所提出的交易参数的确认，该装置可以生成一个或多个电子命令，以根据所确认的动作来发起动作的执行 交易参数。

    Resource Allocation Control Based on Connected Devices
    86.
    发明申请
    Resource Allocation Control Based on Connected Devices 审中-公开
    基于连接设备的资源分配控制

    公开(公告)号：US20160337221A1

    公开(公告)日：2016-11-17

    申请号：US15152297

    申请日：2016-05-11

    Applicant: The Toronto-Dominion Bank

    Inventor： Evan Cohen ,  Kevin Mari ,  Matthew Hamilton ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

    IPC: H04L12/26 ,  H04L29/08 ,  H04L12/911

    CPC classification number: H04L43/0876 ,  H04L12/283 ,  H04L41/0896 ,  H04L47/70 ,  H04L67/10 ,  H04M15/88 ,  H04W4/70 ,  H04W24/08

    Abstract: The present disclosure involves systems and computer implemented methods for implementing a resource allocation. One example method is performed by identifying a resource allocation associated with the device hub, the resource allocation defining an expected resource usage associated with a connected device and a non-connected device. Resource usage information associated with the connected device is monitored, where usage information associated with the non-connected device is calculated based on a difference between a total resource usage identified by the device hub and the resource usage information associated with the connected device. The resource usage information is compared to the resource allocation, and in response to the comparison and a determination that the non-connected device exceeded the resource allocation associated with the non-connected device, an adjustment in operation for the connected device associated with the device hub is calculated. An instruction is transmitted to the connected device to perform the calculated adjustment.

    Abstract translation: 本公开涉及用于实现资源分配的系统和计算机实现的方法。 通过识别与设备集线器相关联的资源分配来执行一个示例性方法，所述资源分配定义与连接的设备和未连接的设备相关联的预期资源使用。 监视与连接的设备相关联的资源使用信息，其中基于由设备集线器识别的总资源使用与与连接的设备相关联的资源使用信息之间的差异来计算与非连接设备相关联的使用信息。 将资源使用信息与资源分配进行比较，并且响应于比较以及非连接设备超过与非连接设备相关联的资源分配的确定，对与设备相关联的连接设备的操作进行调整 枢纽计算。 指令被发送到所连接的设备以​​执行计算的调整。

    UNIVERSAL ELECTRONIC PAYMENT CREDENTIAL PROCESSING
    87.
    发明申请
    UNIVERSAL ELECTRONIC PAYMENT CREDENTIAL PROCESSING 审中-公开
    通用电子支付凭证处理

    公开(公告)号：US20160012432A1

    公开(公告)日：2016-01-14

    申请号：US14796275

    申请日：2015-07-10

    Applicant: THE TORONTO-DOMINION BANK

    Inventor： Mahnaz Meshkati ,  John Anthony Tarnowski ,  Lauren van Heerden ,  Orin Del Vecchio ,  Paul Mon-Wah Chan ,  Dino D'Agostino

    IPC: G06Q20/38 ,  G06Q20/32

    CPC classification number: G06Q20/3821 ,  G06Q20/20 ,  G06Q20/322 ,  G06Q20/4014

    Abstract: A method of credential-based electronic payment processing involves a credential processing server receiving from a mobile communications device a payment initiation request for initiating payment with a payment terminal, and providing the mobile communications device with a mode authorization for an authorized communications mode for the mobile communications device to provide the payment terminal with a payment pre-authorization credential. The payment pre-authorization credential is uniquely associated with a financial account and pre-authorizes electronic payment from the financial account. The credential processing server receives from the payment terminal a payment clearing request that identifies a payment amount and includes the payment pre-authorization credential. The credential processing server determines particulars of the financial account from the payment pre-authorization credential, and effects settlement of the electronic payment by forwarding over a payment network a settlement request message identifying the payment amount and the financial account particulars.

    Abstract translation: 一种基于凭证的电子支付处理方法涉及凭证处理服务器，从移动通信设备接收用于支付终端支付的支付发起请求，以及向移动通信设备提供用于移动电话的授权通信模式的模式授权 通信设备向支付终端提供支付预授权凭证。 支付预授权凭证与金融账户唯一相关联，并且预先授权来自金融账户的电子支付。 凭证处理服务器从支付终端接收用于识别支付金额的支付结算请求，并且包括支付预授权凭证。 凭证处理服务器从支付预授权凭证确定金融账户的细节，并且通过在支付网络上转发识别支付金额和金融账户细节的结算请求消息来影响电子支付的结算。

    Cloud-based electronic payment processing
    89.
    发明授权
    Cloud-based electronic payment processing 有权

    公开(公告)号：US11605070B2

    公开(公告)日：2023-03-14

    申请号：US14446227

    申请日：2014-07-29

    Applicant: THE TORONTO-DOMINION BANK

    Inventor： Dino D'Agostino ,  Paul Mon-Wah Chan

    IPC: G06Q20/38 ,  G06Q20/32 ,  H04L9/40 ,  H04W12/069 ,  H04L9/32 ,  H04W12/06 ,  H04L67/10

    Abstract: A payment processing server generates an asymmetric cryptographic key pair, over one secure communications channel providing a mobile device with one cryptographic key of the cryptographic key pair, and saves another cryptographic key of the cryptographic key pair in a pending transaction database in unique association with a single-use payment number and a financial account. The server encrypts the payment number, which does not identify the financial account, with the another cryptographic key and provides the mobile device with the encrypted payment number over another secure communications channel distinct from the one secure communications channel. The server receives from a payment terminal a payment completion request that includes the encrypted payment number decrypted with the one cryptographic key. The payment processing server queries the pending transaction database with the decrypted payment number to identify the associated financial account, and effects completion of the transaction using the identified financial account.

    Token-based system for securing and recovering data
    90.
    发明授权
    Token-based system for securing and recovering data 有权

    公开(公告)号：US11488153B2

    公开(公告)日：2022-11-01

    申请号：US15286625

    申请日：2016-10-06

    Applicant: The Toronto-Dominion Bank

    Inventor： Roy D'Souza ,  Jonathan K. Barnett ,  Roisin F. Fritz ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Orin Del Vecchio

    IPC: G06Q20/38 ,  G06Q20/28 ,  H04L9/32 ,  G06Q20/40 ,  H04L9/14 ,  H04L9/30 ,  H04L9/08

    Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes the second layer and a first pointer. The second layer includes a second pointer. The message processor is configured to receive a first authorization message including a first cryptographic key and a second value; decrypt the first layer of one of the tokens with the first key; validate the first pointer by receiving confirmation of the first pointer pointing to a database entry comprising the second value; receive a second authorization message including a second cryptographic key and a third value; decrypt the second layer of the token with the second key; and validate the second pointer by receiving confirmation of the second pointer pointing to a database entry comprising a maximum data value not less than the third value.

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