公开(公告)号：US12277546B2

公开(公告)日：2025-04-15

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

IPC: G06Q20/34 ,  G06Q20/20 ,  H04L9/06 ,  H04L9/32

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.

公开(公告)号：US12236433B2

公开(公告)日：2025-02-25

申请号：US17016436

申请日：2020-09-10

Applicant: The Toronto-Dominion Bank

Inventor： David Samuel Tax ,  Milos Dunjic ,  Kushank Rastogi

IPC: G06Q20/20 ,  G06Q20/10 ,  G06Q20/22 ,  G06Q20/34 ,  G06Q20/40 ,  H04L9/40

Abstract: A processor-implemented method is disclosed. The method includes: receiving, via a terminal device, input of a first password during a card session that begins when a value transfer card is inserted into the terminal device, the value transfer card being associated with a plurality of passwords; verifying that the first password is a valid password associated with the value transfer card; identifying at least one card control setting associated with the first password, the at least one card control setting being a setting that is not associated with another one of the plurality of passwords; and processing a transaction initiated at the terminal device based on the identified at least one card control setting.

公开(公告)号：US12229411B2

公开(公告)日：2025-02-18

申请号：US17950471

申请日：2022-09-22

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  David Samuel Tax ,  Kushank Rastogi

IPC: G06Q10/00 ,  G06F3/06 ,  G06Q10/0631

Abstract: Methods and computer systems for managing access to resources in a computing environment. Detecting a projected overload condition from a projected demand for a resource. Identifying a server associated with a resource demand scheduled to be fulfilled prior to the projected overload condition. Generating a rescheduling request to reschedule the resource demand until after the projected overload condition. Sending the rescheduling request to the identified server. Providing access to the resource at a rescheduled time.

公开(公告)号：US12137089B2

公开(公告)日：2024-11-05

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: H04L29/06 ,  H04L9/40 ,  H04W12/0433 ,  H04W12/082

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.

公开(公告)号：US12052363B2

公开(公告)日：2024-07-30

申请号：US17853109

申请日：2022-06-29

Applicant: The Toronto-Dominion Bank

Inventor： Alexey Shpurov ,  Milos Dunjic ,  Brian Andrew Lam

IPC: G10L15/00 ,  G06F21/62 ,  G06N20/00 ,  G10L13/00 ,  G10L15/26 ,  H04L9/32

CPC classification number: H04L9/3213 ,  G06F21/6245 ,  G06N20/00 ,  G10L13/00 ,  G10L15/26

Abstract: The disclosed exemplary embodiments include computer-implemented systems, devices, apparatuses, and processes that maintain data confidentiality in communications involving voice-enabled devices operating within a distributed computing environment. By way of example, an apparatus may receive, from a communications system across a public communications network, a request for an element of data generated by the computing system based on first audio content obtained at a device. The apparatus may obtain the requested data element and further, may generate acoustic data representative of at least a portion of the requested data element. The apparatus may also generate an encrypted response to the received request that includes the acoustic data, and transmit the encrypted response to the device across the public communications network. The device may execute an application program that causes the device to decrypt the encrypted response and to perform operations that present the acoustic data through an acoustic interface.

公开(公告)号：US12021876B2

公开(公告)日：2024-06-25

申请号：US17993939

申请日：2022-11-24

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Anthony Haituyen Nguyen ,  David Samuel Tax

IPC: H04L9/40

CPC classification number: H04L63/102 ,  H04L63/105

Abstract: A server 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, configure the processor to receive, via the communications module and from a monitoring application installed on a remote computing device, on-device application data, generate a risk profile for a user based at least on the on-device application data, configure a data sharing configuration option for sharing data associated with the user based on the risk profile for the user, and share the data based on the data sharing configuration option.

公开(公告)号：US20240126575A1

公开(公告)日：2024-04-18

申请号：US18395959

申请日：2023-12-26

Applicant: The Toronto-Dominion Bank

Inventor： Alexander KIRIAKOU ,  Milos Dunjic ,  Arthur Carroll Chow ,  John Jong-Suk Lee ,  Arun Victor Jagga

IPC: G06F9/451 ,  G06F3/04847 ,  G06Q20/10 ,  G06Q20/20 ,  G07G1/01

CPC classification number: G06F9/451 ,  G06F3/04847 ,  G06Q20/102 ,  G06Q20/20 ,  G07G1/01 ,  G06F3/0482

Abstract: The disclosed embodiments include computer-implemented systems and processes that dynamically and selectively modify portions of a displayed interface to include interface elements that, when selected by a user through a single provided input, initiate a performance of a data exchange in accordance with parameter values consistent with prior initiated data exchanges. For example, a communications device may display, on a display unit, a first interface element representative of a first data exchange and may receive expected values of parameters that characterize the second data exchange. When a determined parameter value is consistent with the expected parameter values, the communications device may modify the first interface element and present, on the display unit, the modified first interface element and a second interface element within the interface. Upon selection of the second interface element, the communications device may initiate the second data exchange in accordance with the expected parameter values.

公开(公告)号：US11750687B2

公开(公告)日：2023-09-05

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

IPC: H04L67/06 ,  H04L65/65

CPC classification number: H04L67/06 ,  H04L65/65

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.

公开(公告)号：US20230155810A1

公开(公告)日：2023-05-18

申请号：US18097114

申请日：2023-01-13

Applicant: The Toronto-Dominion Bank

Inventor： Brian Andrew LAM ,  Milos Dunjic ,  Alexey Shpurov

IPC: H04L9/00 ,  G06F7/58

CPC classification number: H04L9/008 ,  G06F7/588

Abstract: The disclosed exemplary embodiments include computer-implemented apparatuses and methods that validate confidential data based privacy-preserving homomorphic computations involving encrypted data. For example, an apparatus may receive, from a first computing system, encrypted data that includes a first encrypted value representative of at least one of first account data or an element of cryptographic data. Based on the first encrypted value and on second encrypted values, the apparatus may generate encrypted residual values representative of second account data associated with one or more reference accounts, and the apparatus may request and receive a decrypted residual value associated with each of the encrypted residual values from a second computing system. The apparatus may transmit the decrypted residual values to the first computing system, which may validate the first account data based on at least the decrypted residual values and perform operations associated with the validated first account data.

公开(公告)号：US11381574B2

公开(公告)日：2022-07-05

申请号：US17372641

申请日：2021-07-12

Applicant: The Toronto-Dominion Bank

Inventor： Milos Dunjic ,  Anthony Haituyen Nguyen ,  David Samuel Tax

IPC: G06F15/173 ,  H04L9/40 ,  H04L67/306

Abstract: A server 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, configure the processor to receive, via the communications module and from a remote computing device, user input indicating a response to one or more prompts; generate an aspirational profile for a user based at least on the received user input; receive, via the communications module and from a monitoring application installed on the remote computing device, monitoring data; generate a behavior profile for the user based at least on the monitoring data; and when the behavior profile is misaligned with the aspirational profile, send, via the communications module and to the remote computing device, a notification indicating that the behavior profile is misaligned with the aspirational profile.