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    System and method for conditional data transfers
    82.
    发明授权
    System and method for conditional data transfers 有权

    公开(公告)号：US11928351B2

    公开(公告)日：2024-03-12

    申请号：US17892717

    申请日：2022-08-22

    Applicant: The Toronto-Dominion Bank

    Inventor： Milos Dunjic ,  David Samuel Tax ,  Vipul Kishore Lalka

    IPC: G06F3/06 ,  G06F9/54 ,  H04L9/40

    CPC classification number: G06F3/0647 ,  G06F3/0604 ,  G06F3/067 ,  G06F9/541 ,  H04L63/0869

    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.

    System and method for secure distribution of resource transfer request data
    84.
    发明授权
    System and method for secure distribution of resource transfer request data 有权

    公开(公告)号：US11843702B2

    公开(公告)日：2023-12-12

    申请号：US16953724

    申请日：2020-11-20

    Applicant: The Toronto-Dominion Bank

    Inventor： Milos Dunjic ,  Asad Joheb ,  David Samuel Tax

    IPC: H04L9/40 ,  H04L9/32 ,  G06F9/50

    CPC classification number: H04L9/3247 ,  G06F9/5011

    Abstract: A processor-implemented method is disclosed. The method includes: generating a secure data object associated with a request for transfer of resources, the secure data object indicating one or more resource transfer parameters including account information for a transferee account at a resource account management system, wherein the secure data object includes a first hash computed based on the one or more resource transfer parameters; signing the secure data object using a private key associated with the resource account management system; and sending the secure data object to a messaging address associated with a transferor of the requested resources.

    Systems and methods for controlling third-party access of a protected data resource
    86.
    发明授权
    Systems and methods for controlling third-party access of a protected data resource 有权

    公开(公告)号：US11665155B2

    公开(公告)日：2023-05-30

    申请号：US17721259

    申请日：2022-04-14

    Applicant: The Toronto-Dominion Bank

    Inventor： Milos Dunjic ,  David Samuel Tax ,  Gregory Albert Kliewer

    IPC: G06F21/00 ,  H04L9/40 ,  G06F9/451

    CPC classification number: H04L63/0853 ,  G06F9/451 ,  H04L63/102

    Abstract: A computer-implemented method is disclosed. The method includes: obtaining an access token associated with a first application, the access token including historical operations data identifying operations previously performed by the first application in accessing a user account at a protected data resource; receiving a first request for the first application to perform a first access operation in connection with the user account using the access token; determining that the first access operation is not permitted based on the historical operations data; and in response to determining that the first access operation is not permitted: modifying the first request to obtain a second request for the first application to perform a second access operation using the access token such that a totality of one or more historical operations and the second access operation comply with access permissions for the first application to access the user account; and transmitting the second request to a server associated with the protected data resource.

    Systems and methods for evaluating data access signature of third-party applications
    89.
    发明授权
    Systems and methods for evaluating data access signature of third-party applications 有权

    公开(公告)号：US11436336B2

    公开(公告)日：2022-09-06

    申请号：US16578717

    申请日：2019-09-23

    Applicant: The Toronto-Dominion Bank

    Inventor： Milos Dunjic ,  David Samuel Tax ,  Arthur Carroll Chow ,  Anthony Haituyen Nguyen

    IPC: G06F11/36 ,  G06F21/57

    Abstract: A method for evaluating security of third-party application is disclosed. The method includes: launching, in an automated test environment, a test instance of a first application; detecting at least one data retrieval operation by the first application of retrieving data from a protected data resource; for each of the at least one data retrieval operation, identifying an application state of the first application at a time of detecting the at least one data retrieval operation; determining a data access pattern for the first application of accessing the protected data resource based on the at least one data retrieval operation and application states of the first application associated with the at least one data retrieval operation; and presenting the data access pattern for the first application on a client device associated with a user.

    SYSTEMS AND METHODS FOR CONTROLLING THIRD-PARTY ACCESS OF A PROTECTED DATA RESOURCE
    90.
    发明申请
    SYSTEMS AND METHODS FOR CONTROLLING THIRD-PARTY ACCESS OF A PROTECTED DATA RESOURCE 有权

    公开(公告)号：US20220247753A1

    公开(公告)日：2022-08-04

    申请号：US17720952

    申请日：2022-04-14

    Applicant: The Toronto-Dominion Bank

    Inventor： Milos DUNJIC ,  David Samuel Tax ,  Gregory Albert Kliewer

    IPC: H04L9/40

    Abstract: A computer-implemented method is disclosed. The method includes: receiving, via an application server associated with a first application, a request for the first application to perform a first access operation in connection with a user account at a protected resource; determining that the first access operation is not among permitted user account operations for the first application in connection with the user account; and in response to determining that the first access operation is not among the permitted user account operations: generating a request for a one-time authorization for the first application to perform the first access operation; sending, to a client device, the request for the one-time authorization; receiving, via the client device, an indication of the requested one-time authorization; generating an access token for a one-time access of the user account based on the indication of one-time authorization; and transmitting the access token to the application server associated with the first application to grant, to the first application, one-time access to the user account.

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