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公开(公告)号:US20230222243A1
公开(公告)日:2023-07-13
申请号:US18187227
申请日:2023-03-21
Applicant: The Toronto-Dominion Bank
Inventor: Milos DUNJIC , David Samuel TAX , Kevin Wayne FARAGHER , Harjot Singh PANAG
IPC: H04W12/062 , H04W12/69
CPC classification number: H04W12/062 , H04W12/69
Abstract: A system and method for managing access to entity identity data are described. The system 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 remote device as being associated with an entity; receive, via the communications module and from the remote device, pre-consent data identifying one or more third parties permitted to access entity identity data for the entity; store, in the memory, the pre-consent data in association with the entity; receive, via the communications module and from a digital identity network, a signal representing a request to release the entity identity data to the third party; determine, based on the pre-consent data, that the entity identity data is to be released to the third party; and initiate release of the entity identity data to a computing device associated with the third party.
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公开(公告)号:US20230206212A1
公开(公告)日:2023-06-29
申请号:US18177420
申请日:2023-03-02
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
CPC classification number: G06Q20/352 , G06Q20/204 , H04L9/0643 , H04L9/3247 , H04L2209/56
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.
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公开(公告)号:US20230063835A1
公开(公告)日:2023-03-02
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.
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84.
公开(公告)号:US20230060707A1
公开(公告)日:2023-03-02
申请号:US17465254
申请日:2021-09-02
Applicant: The Toronto-Dominion Bank
Inventor: Milos DUNJIC , David Samuel TAX , Kushank RASTOGI
Abstract: Methods and computer systems for including a data acceptance condition in a data transfer proposal. Receiving, from a second computing system, a transfer message for a transfer between a first account associated with a first computing system and a second account associated with the second computing system, the transfer message including routing data, an amount of resources to be transferred, and a condition associated with the transfer. Evaluating the condition associated with the data transfer based on a comparison between data included in the transfer message and one or more parameters associated with the first account. When the condition is determined to be satisfied, completing the transfer.
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公开(公告)号:US20230053385A1
公开(公告)日:2023-02-23
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
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.
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86.
公开(公告)号:US20230051335A1
公开(公告)日:2023-02-16
申请号:US17400756
申请日:2021-08-12
Applicant: The Toronto-Dominion Bank
Inventor: Milos DUNJIC , David Samuel TAX , Jonathan Joseph PRENDERGAST , 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 obtain information associated with a request to transfer data to a data record; determine, based on an identifier associated with the data record, whether a real-time transfer protocol is available to complete the transfer; and send, via the communications module and to a client device associated with a recipient of the request to transfer the data to the data record, a signal updating one or more interface elements of an interface displayed on the client device based on whether the real-time transfer protocol is available to complete the transfer.
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公开(公告)号:US20220366058A1
公开(公告)日:2022-11-17
申请号:US17868943
申请日:2022-07-20
Applicant: The Toronto-Dominion Bank
Inventor: Milos DUNJIC , David Samuel TAX , Arthur Carroll CHOW , Anthony Haituyen NGUYEN
Abstract: A processor-implemented method is disclosed. The method includes: launching, in an automated test environment, a test instance of a first application; determining a data access pattern for the first application of accessing the protected data resource based on detecting data retrieval operations of the test instance and determining application states of the first application associated with the detected data retrieval operations; and providing the data access pattern for the first application on a client device.
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公开(公告)号:US20220263814A1
公开(公告)日:2022-08-18
申请号:US17738816
申请日:2022-05-06
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 , H04W12/082 , H04W12/0433
Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that dynamically manage consent, permissioning, and trust between computing systems and unrelated, third-party applications operating within a computing environment. By way of example, the apparatus may receive a request for an element of data that includes an access token and first credential data associated with an application program. When the first credential data corresponds to second credential data associated with the application program, may determine that the requested data element is accessible to the application program and perform operations that validate the access token. Further, and based on the validation of the access token, that apparatus may obtain and encrypt the requested data element, and may transmit the encrypted data element to a device via the communications interface.
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公开(公告)号:US20220180458A1
公开(公告)日:2022-06-09
申请号:US17111777
申请日:2020-12-04
Applicant: The Toronto-Dominion Bank
Inventor: David Samuel TAX , Milos DUNJIC , Kushank RASTOGI , Joseph Matthew CAPERN
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.
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公开(公告)号:US20220067702A1
公开(公告)日:2022-03-03
申请号:US17005787
申请日:2020-08-28
Applicant: The Toronto-Dominion Bank
Inventor: Milos DUNJIC , David Samuel TAX , Kushank RASTOGI , Derek GUAN , Zainab Eniola BELLO
Abstract: A processor-implemented method is disclosed. The method includes: configuring a value transfer card to be associated with a plurality of accounts, the plurality of accounts including a default currency account and one or more foreign currency accounts; receiving input from an authorized entity associated with the plurality of accounts, the input indicating a selection of at least one of the foreign currency accounts and a card control setting to be applied for the value transfer card in connection with transactions associated with the selected at least one foreign currency account; and enabling the card control setting for the value transfer card only in connection with the selected at least one foreign currency account.
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