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    VIRTUAL CERTIFIED FINANCIAL INSTRUMENT SYSTEM
    1.
    发明申请
    VIRTUAL CERTIFIED FINANCIAL INSTRUMENT SYSTEM 审中-公开
    虚拟认证财务仪器系统

    公开(公告)号：US20140358786A1

    公开(公告)日：2014-12-04

    申请号：US14289261

    申请日：2014-05-28

    Applicant: The Toronto-Dominion Bank

    Inventor： Lauren VAN HEERDEN ,  Michael D. Cummins ,  Prabaharan Sivashanmugam ,  Gunalan Nadarajah ,  Orin Del Vecchio

    IPC: G06Q20/38

    CPC classification number: G06Q20/3821 ,  G06Q20/351 ,  G06Q20/401

    Abstract: The disclosed embodiments include systems and methods for issuing a virtual certified financial instrument. The disclosed embodiments may be configured to receive a financial instrument request for a virtual certified financial instrument, generate a payor token and a payee token, generate a reference token from the payor token and the payee token using an algorithm rendering it computationally infeasible for the reference token to be derived from only one of the payor token and the payee token, and uniquely associate the reference token with the virtual certified financial instrument. The disclosed embodiments may also be configured to receive, from the payor device or the payee device, a financial instrument redemption request that includes a composite token, and redeem the virtual financial instrument in accordance with a confirmation that the composite token matches the reference token.

    Abstract translation: 所公开的实施例包括用于发行虚拟认证金融工具的系统和方法。 所公开的实施例可以被配置为接收对虚拟认证的金融工具的金融工具请求，生成付款人令牌和收款人令牌，从付款人令牌和收款人令牌生成参考令牌，并使用使计算上不可参考的算法的算法 令牌仅从付款人令牌和收款人令牌中的一个派生，并将参考令牌与虚拟认证的金融工具相关联。 所公开的实施例还可以被配置为从付款者设备或收款人设备接收包括复合令牌的金融工具兑换请求，并且根据复合令牌与参考令牌匹配的确认来兑换虚拟金融工具。

    PERSON-TO-PERSON ELECTRONIC PAYMENT PROCESSING
    3.
    发明申请
    PERSON-TO-PERSON ELECTRONIC PAYMENT PROCESSING 审中-公开
    个人电子付款处理

    公开(公告)号：US20140337235A1

    公开(公告)日：2014-11-13

    申请号：US14273425

    申请日：2014-05-08

    Applicant: The Toronto-Dominion Bank

    Inventor： Lauren VAN HEERDEN ,  Prabaharan Sivashanmugam ,  Dino D'agostino ,  Michael D. Cummins ,  Orin Del Vecchio ,  Gunalan Nadarajah ,  Steven Robert Langham

    IPC: G06Q20/22 ,  G06Q20/38

    CPC classification number: G06Q20/223 ,  G06Q20/10 ,  G06Q20/3829 ,  G06Q20/383

    Abstract: A method of person-to-person anonymous electronic payment processing may involve a payment processing server receiving from a payor payment device a payment initiation request for a payment from a payor account. The payment initiation request may identify a payment amount and excludes payee particulars and the payee account. The server may also receive from a payee payment device a payment completion request requesting completion of the payment. The payment completion request may include a payee identifier and exclude the payment amount, payor account and payor particulars. The server may confirm that the payment completion request is uniquely associated with the payee payment device and the payee identifier, and determine the payment amount and the payor account by correlating the payment completion request with the payment initiation request. In accordance with an outcome of the confirming, the payment processing server may effect a transfer in the payment amount from the payor account to the payee account.

    Abstract translation: 个人对个人匿名电子支付处理的方法可以涉及支付处理服务器从付款人支付设备从付款人帐户接收付款的支付发起请求。 付款发起请求可以标识支付金额并且不包括收款人资料和收款人账户。 服务器还可以从收款人支付设备接收请求完成支付的支付完成请求。 付款完成请求可以包括收款人标识符，并且不包括支付金额，支付者账户和支付者详情。 服务器可以确认支付完成请求与收款人支付设备和收款人标识符唯一相关，并且通过将支付完成请求与支付发起请求相关联来确定支付金额和支付者帐户。 根据确认的结果，支付处理服务器可以将付款金额从付款人帐户转移到收款人账户。

    Person-to-person electronic payment processing
    5.
    发明授权
    Person-to-person electronic payment processing 有权

    公开(公告)号：US11227275B2

    公开(公告)日：2022-01-18

    申请号：US15695628

    申请日：2017-09-05

    Applicant: The Toronto-Dominion Bank

    Inventor： Lauren Van Heerden ,  Prabaharan Sivashanmugam ,  Dino D'Agostino ,  Michael D. Cummins ,  Orin Del Vecchio ,  Gunalan Nadarajah ,  Steven Robert Langham

    IPC: G06Q20/22 ,  G06Q20/10 ,  G06Q20/38

    Abstract: A payment processing method involves a server receiving a payee identifier, and linking the payee identifier to a device identifier identifying a payee device. The server receives from a payor device a payment initiation request identifying a specified payment amount and a payor identifier, links a unique token to the specified payment amount and to the payor identifier, and provides the payor device with the token. The token excludes the payor identifier and particulars of the associated payor. The server receives a payment completion request including the payee identifier and the token, and excluding the payment amount, the payor identifier and payor particulars. The server uses the payee identifier to confirm that the payment completion request was signed with the device identifier, uses the payee identifier to locate a payee account, and uses the token to determine the specified payment amount and a payor account associated with the payor identifier.

    ADAPTIVE SOCIAL MEDIA SCORING MODEL WITH REVIEWER INFLUENCE ALIGNMENT
    8.
    发明申请
    ADAPTIVE SOCIAL MEDIA SCORING MODEL WITH REVIEWER INFLUENCE ALIGNMENT 审中-公开
    自适应社会媒体评分模型与评论者影响对齐

    公开(公告)号：US20150213521A1

    公开(公告)日：2015-07-30

    申请号：US14610018

    申请日：2015-01-30

    Applicant: The Toronto-Dominion Bank

    Inventor： Prabaharan Sivashanmugam ,  Michael D. Cummins ,  Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio ,  Talvis Pierre Love

    IPC: G06Q30/02

    CPC classification number: G06Q30/0282

    Abstract: Online reviews present a wealth of information for consumers to consider when making purchase decisions. Consumers however, can be disadvantaged by an inability to determine the usefulness of reviews, the wealth of information thus providing marginal utility. Where consumers can establish an affinity or trust with a reviewer, the usefulness of a review can be vetted against the perspective of the consumer, assisting consumers in making purchase decisions with greater confidence and reliability. Social media further supports consumers by providing a convenient pool of reviewers with whom a consumer may already have pre-existing relationships or familiarity with, bolstering the ability of the consumer to establish an affinity or trust with the reviewer. An adaptive influence process provides a method for consumers to adapt such a collection of reviews, and tailor them to the consumer's own perspective to assist in making purchase decisions with greater confidence.

    Abstract translation: 在线评论提供了大量信息，供消费者在做出购买决定时考虑。 然而，消费者可能由于无法确定审查的有用性而处于不利地位，所以信息的丰富因此提供了边际效用。 在消费者与审查者建立亲和力或信任度的情况下，审查的有用性可以从消费者的角度审视，协助消费者以更大的信心和可靠性做出购买决定。 社会媒体通过提供一个方便的审查者池来支持消费者，消费者可能已经与消费者已经存在先前存在的关系或熟悉，加强了消费者与审阅者建立亲和力或信任的能力。 适应性影响过程为消费者提供了一种适应这样的评论集的方法，并将其定制为消费者自己的观点，以更有信心地协助做出购买决定。

    SYSTEMS AND METHODS FOR PROVIDING SECURE DATA TRANSMISSION BETWEEN NETWORKED COMPUTING SYSTEMS
    10.
    发明申请
    SYSTEMS AND METHODS FOR PROVIDING SECURE DATA TRANSMISSION BETWEEN NETWORKED COMPUTING SYSTEMS 审中-公开
    网络计算系统之间提供安全数据传输的系统和方法

    公开(公告)号：US20160012428A1

    公开(公告)日：2016-01-14

    申请号：US14796512

    申请日：2015-07-10

    Applicant: The Toronto-dominion Bank

    Inventor： Perry Haldenby ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Jenny Lin ,  Michael D. Cummins ,  Lauren Van Heerden ,  Prabaharan Sivashanmugam ,  Orin Del Vecchio ,  Gunalan Nadarajah

    IPC: G06Q20/38

    CPC classification number: G06Q20/3572 ,  G06Q20/34 ,  G06Q20/354 ,  G06Q20/383

    Abstract: The disclosed embodiments include methods and systems that provide secure data transmission between networked computing systems by obfuscating sensitive customer account data with placeholder account data generated in real-time and without customer intervention. The disclosed embodiments may include a computerized device that monitors user input to detect an initiation of a purchase transaction at a merchant, and upon detection of the initiated purchase transaction, may obtain a placeholder account suitable for use in the purchase transaction and capable of masking a user's sensitive account information without user intervention. In some instances, a system of a financial institution may activate and fund the placeholder account in real time and in an amount consistent with a transaction amount of the purchase transaction. Devices consistent with the disclosed embodiments may request execution of the initiated purchase transaction in accordance with the activated and funded placeholder account.

    Abstract translation: 所公开的实施例包括通过将敏感的客户帐户数据与实时生成并且没有客户干预的占位符帐户数据混淆来提供联网计算系统之间的安全数据传输的方法和系统。 所公开的实施例可以包括监视用户输入以检测商家的购买交易的开始的计算机化设备，并且在检测到所启动的购买交易时，可以获得适合于在购买交易中使用的占位符帐户并且能够屏蔽 用户敏感的帐户信息，无需用户干预。 在某些情况下，金融机构的系统可以实时激活和占用占位符账户，并且与购买交易的交易金额一致。 与所公开的实施例一致的装置可以根据激活和资助的占位符帐户请求执行所启动的采购交易。

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