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    INTER-CURRENCY CHEQUE PAYMENT CLEARING
    2.
    发明申请
    INTER-CURRENCY CHEQUE PAYMENT CLEARING 审中-公开
    货币间检查支付清算

    公开(公告)号：US20140304149A1

    公开(公告)日：2014-10-09

    申请号：US14246932

    申请日：2014-04-07

    Applicant: The Toronto-Dominion Bank

    Inventor： Mary Hockridge ,  Dino D'Agostino ,  Lauren Van Heerden

    IPC: G06Q20/04 ,  G06Q20/22 ,  G06Q20/10

    CPC classification number: G06Q20/042 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/381

    Abstract: A method of cheque payment clearing involves a payee financial institution receiving an electronic representation of a paper cheque. The electronic cheque representation identifies a payment amount, a payor financial institution and a payor account. The payment amount is payable from the payor account in a first currency. The payee institution (i) electronically transmits to the payor institution a transaction origination message identifying a payee account, the payment amount, and an equivalent amount that comprises the payment amount converted to a second currency different from the first currency; (ii) electronically receives from the payor institution a transaction response message identifying a confirmation of a debit entry in the payment amount posted to the payor account and, in accordance with the confirmation, (iii) applies to a payee account a credit entry in the equivalent amount. The equivalent amount is payable from the payee account in the second currency.

    Abstract translation: 支票清算的方法涉及接收纸质支票的电子表示的收款机构金融机构。 电子支票表示标识支付金额，付款人金融机构和付款人帐户。 付款金额以第一种货币从付款人帐户支付。 收款机构（i）以电子方式向付款机构发送识别收款人账户，支付金额和等价金额的交易发生信息，其中包括转换为与第一货币不同的第二货币的支付金额; （ii）从付款机构以电子方式收到一个交易回复消息，该消息标识出现在付款人帐户上的付款金额中的借项条目的确认，并根据确认，（iii）向收款人账户申请在 等量。 等值金额以第二种货币从收款人账户支付。

    Cloud-based electronic payment processing
    3.
    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.

    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.

    Application platform security enforcement in cross device and ownership structures
    6.
    发明授权
    Application platform security enforcement in cross device and ownership structures 有权

    公开(公告)号：US10305926B2

    公开(公告)日：2019-05-28

    申请号：US15455638

    申请日：2017-03-10

    Applicant: THE TORONTO-DOMINION BANK

    Inventor： Koko Mihan ,  Dino D'Agostino ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee ,  Paul Milkman ,  Steve Brar

    IPC: H04L29/06 ,  H04W12/08 ,  G06F21/55 ,  G06F21/57 ,  H04W4/21 ,  H04W4/70

    Abstract: Methods and systems provide application platform security enforcement. A distributed system communicates between a plurality of remote devices and at least one secured server to facility providing a secured service. The distributed system may comprise a remote communication server and a plurality of security layer components where the plurality of remote devices connect through respective ones of the security layer components. Upon detection of a security breach by a first remote device, the distributed system determines potential devices at risk from the plurality of remote devices, analyzing risk factors for commonalities. A lock down of the first remote device and the devices at risk is instructed. Analysis of risk factors examines whether the first remote device and other remote devices communicate via a same security layer component, are geographically proximate; and/or are associated at the user level, for example are proximate users in a social network graph. Reactivation is also provided.

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