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1.
公开(公告)号:US12101349B2
公开(公告)日:2024-09-24
申请号:US16571394
申请日:2019-09-16
Applicant: The Toronto-Dominion Bank
Inventor: Milos Dunjic , Arthur Carroll Chow , David Samuel Tax , Gregory Albert Kliewer , Anthony Haituyen Nguyen
CPC classification number: H04L63/1466 , G06F11/3457 , G06Q40/02
Abstract: A method for evaluating security of third-party application is disclosed. The method includes: in an automated test environment: launching a test instance of a first application; and obtaining a data access signature of the first application based on identifying at least one application state of the first application and account data retrieved by the first application from a user account at a protected data resource in the at least one application state; receiving, from a client device associated with the user account, an indication of access permissions for the first application to access the user account for retrieving account data; detecting a change in the data access signature of the first application; and in response to detecting the change in the data access signature of the first application, notifying the user of the detected change.
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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
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.
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3.
公开(公告)号:US11526630B2
公开(公告)日:2022-12-13
申请号:US16281718
申请日:2019-02-21
Applicant: The Toronto-Dominion Bank
Inventor: Milos Dunjic , Arthur Carroll Chow , David Samuel Tax , Armon Rouhani , Asad Joheb , Sara Hatherly , Keith Sanjay Ajmani , Lionel Johnson
IPC: G06F21/64 , H04L9/32 , H04L9/00 , G06F16/18 , G06F16/182
Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that manage cryptographically secure exchanges of data using a permissioned distributed ledger. For example, an apparatus may obtain parameter data and additional content associated with a data exchange. The apparatus may generate first data that includes at least a portion of the additional content accessible to a first computing system, and may generate second data that includes at least a portion of the parameter data. The apparatus may provide the first data to a peer computing system, which records encrypted information associated with the first data within an element of a distributed ledger accessible at the first computing system. The apparatus may also provide the second data to a second computing system, which executes the data exchange in accordance with at least the portion of the parameter data.
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公开(公告)号:US20220020030A1
公开(公告)日:2022-01-20
申请号:US17489222
申请日:2021-09-29
Applicant: The Toronto-Dominion Bank
Inventor: Milos Dunjic , Perry Aaron Jones Haldenby , Arthur Carroll Chow , Het Anand Patel , Casey Lyn Doyle , Yubing Liu , Anthony Haituyen Nguyen , David Samuel Tax , Arun Victor Jagga , John Jong-Suk Lee
Abstract: The disclosure generally describes computer-implemented methods, software, and systems, including a method for placing a card into an alert state. An alert detection indication is received during an attempted data exchange using a permanent account number (PAN) associated with a card. The alert detection indication is received by an electronic controller embedded in the card and is received through an interface. The alert detection indication indicates that the PAN has an alert state identified for the PAN by an entity that issued the card. An operational mode of the card is modified into the alert state by the electronic controller and is based on receipt of the alert detection indication. An electronic display indicating that the card is in the alert state is displayed by the electronic controller.
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公开(公告)号:US11108762B2
公开(公告)日:2021-08-31
申请号:US16282678
申请日:2019-02-22
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
Abstract: A method for regulating access to a protected resource is disclosed. The method includes: receiving, via the communication interface from a client application executing on a first device, a first signal including a request to obtain an access token for accessing a protected resource, the request including: a client identifier uniquely identifying the client application; an authorization code for authorizing the client application's access of the protected resource; and a public key associated with the end user; and in response to validating the request: encrypting the authorization code using the public key to generate a first code; and transmitting, via the communication interface to the client application on the first device, a second signal including both an access token for accessing the protected resource and the first code.
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公开(公告)号:US11093649B2
公开(公告)日:2021-08-17
申请号:US16288867
申请日:2019-02-28
Applicant: The Toronto-Dominion Bank
Inventor: Milos Dunjic , Arthur Carroll Chow , David Samuel Tax , Armon Rouhani , Asad Joheb , Sara Hatherly , Keith Sanjay Ajmani , Lionel Johnson , Yubing Liu
Abstract: The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that manage cryptographically secure exchanges of data using a permissioned distributed ledger. For example, an apparatus obtains parameter values characterizing an exchange of data and transmits the parameter values to a first computing system, which executed instructions included within a distributed ledger. The executed additional instructions cause the first computing system to access rules data recorded onto the distributed ledger and establish a consistency between the parameter values and at least a portion of the accessed rules data. The apparatus receives, from the first computing system, confirmation data indicative of the established consistency, and based on the confirmation data, transmit a request to execute the data exchange in accordance with at least the portion of the parameter values to a second computing system.
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公开(公告)号:US10831923B2
公开(公告)日:2020-11-10
申请号:US16003691
申请日:2018-06-08
Applicant: The Toronto-Dominion Bank
Inventor: Milos Dunjic , David Samuel Tax , Arthur Carroll Chow , Peter Glen Nairn , Edward James Hood , Martin Albert Lozon , John Jong-Suk Lee , Arun Victor Jagga
Abstract: A system, device and method for enforcing privacy during a communication session with a voice assistant are disclosed. A user is authenticated via one or more first criteria in response to a request to initiate a communication session with a voice assistant. Periodically during the communication session with the voice assistant, sensor data is acquired. The sensor data is processed to determine a number of persons present in an environment of the voice assistant via one or more second criteria. The communication of private data by the voice assistant is enabled when one person is in the environment and that person is the authenticated user. The communication of private data by the voice assistant is disabled when one person is in the environment and that person is not the authenticated user. When more than one person is present in the environment of the voice assistant, the communication of private data by the voice assistant is only enabled when the environment of the voice assistant is determined to match the one or more predetermined privacy criteria for a multi-person environment.
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8.
公开(公告)号:US20200311302A1
公开(公告)日:2020-10-01
申请号:US16903422
申请日:2020-06-17
Applicant: The Toronto-Dominion Bank
Inventor: Milos Dunjic , David Samuel Tax , Arthur Carroll Chow , Peter Glen Nairn , Edward James Hood , Martin Albert Lozon , John Jong-Suk Lee , Arun Victor Jagga
Abstract: A system, device and method for enforcing privacy during a communication session with a voice assistant are disclosed. Periodically during the communication session with the voice assistant, sensor data is acquired. The sensor data is processed to determine a number of persons present in an environment of the voice assistant. The communication of private data by the voice assistant is enabled when one person is in the environment and that person is the authorized user. The communication of private data by the voice assistant is disabled when one person is in the environment and that person is not the authorized user. When more than one person is present in the environment of the voice assistant, the communication of private data by the voice assistant may be enabled when the environment of the voice assistant is determined to match the one or more predetermined privacy criteria for a multi-person environment.
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9.
公开(公告)号:US20200250639A1
公开(公告)日:2020-08-06
申请号:US16854446
申请日:2020-04-21
Applicant: The Toronto-Dominion Bank
Inventor: Robert HAYHOW , Giovanna Borsella , Milos Dunjic , Jeffrey Aaron Ecker , Bryan Michael Gleeson , Arthur Carroll Chow , Anthony Haituyen Nguyen , John Jong-Suk Lee , Rakesh Thomas Jethwa
Abstract: A computer server includes a processor that is configured to receive an incoming authorization request that includes an original numeric value and an identification number, and locate a profile that is associated with the identification number. The located profile includes at least one adjustment criterion. The processor is configured to determine a primary numeric value and a secondary numeric value from the original numeric value and the adjustment criterion, confirm that the secondary numeric value is not greater than a balance value in a loyalty points account associated with the identification number, and reduce the balance value in the loyalty points account by the secondary numeric value. The processor is configured to, after confirming the secondary numeric value, generate a revised authorization request and transmit the revised authorization request to an authorization server. The revised authorization request includes the identification number and the primary numeric value.
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公开(公告)号:US10692054B2
公开(公告)日:2020-06-23
申请号:US16196653
申请日:2018-11-20
Applicant: The Toronto-Dominion Bank
IPC: G06F21/16 , G06F21/64 , G06F21/62 , G06Q20/06 , H04N5/913 , G06Q20/36 , G06Q10/06 , G06Q10/10 , G06Q50/08 , G06Q20/10 , G06Q20/40 , H04L9/08 , G06Q50/18 , H04L9/32 , H04L29/06 , G06Q10/08 , G06Q30/02 , G06Q40/00 , G06Q40/08 , G06Q20/38
Abstract: An apparatus for use in electronic document control includes a storage device a processor coupled to the storage device. The storage device storing software instructions for controlling the processor that when executed by the processor configure the processor to: receive a signal representing data including an original document, append a unique identifier to the original document to generate a modified document, generate a hash value of the modified document, and transmit the hash value corresponding to the modified document to an electronic distributed ledger.
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