公开(公告)号：US20190394176A1

公开(公告)日：2019-12-26

申请号：US16559900

申请日：2019-09-04

Applicant: The Toronto-Dominion Bank

Inventor： PERRY AARON JONES HALDENBY ,  Arthur Carroll CHOW ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Linda TAO

IPC: H04L29/06 ,  H04L9/08 ,  H04L9/14 ,  H04L9/32

Abstract: An apparatus for use in a digital messaging system includes a storage device and a processor coupled to the storage device. The storage device storing software instructions for controlling the processor that when executed by the processor configured the processor to: generate a first message comprising a payload portion; encrypt the payload portion of the message; derive a first session key from a domain-specific key; and sign the message using the first session key.

公开(公告)号：US20180096434A1

公开(公告)日：2018-04-05

申请号：US15286345

申请日：2016-10-05

Applicant: The Toronto-Dominion Bank

Inventor： Garima AGGARWAL ,  Hisham Ibrahim SALAMA ,  Rakesh Thomas JETHWA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Dean C. N. TSERETOPOULOS ,  Amber Rose COSSITT

IPC: G06Q40/00

CPC classification number: G06Q40/12

Abstract: A method and system are provided for displaying content on an electronic display. The method includes receiving data representing a plurality of items, each of the plurality of items being associated with a product or service. The method also includes requesting and receiving financial health data associated with a purchasing entity. The method also includes determining a subset of items from the plurality of items based on affordability relative to the financial health data, and having at least one of the plurality of items displayed on the electronic display. The subset of items may be displayed in a different manner than the other plurality of items displayed, the different manner may include either or both reducing visibility of the subset of items, and excluding the subset of items from being displayed.

公开(公告)号：US20180089645A1

公开(公告)日：2018-03-29

申请号：US15278852

申请日：2016-09-28

Applicant: The Toronto-Dominion Bank

Inventor： Ian James MCDONALD ,  Adam Douglas MCPHEE ,  Perry Aaron Jones HALDENBY ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE

IPC: G06Q20/10 ,  G06Q20/38 ,  G06Q20/20

CPC classification number: G06Q20/10 ,  G06Q20/367 ,  G06Q20/381 ,  G06Q20/3829 ,  G06Q20/405

Abstract: An apparatus for use in a digital asset tracking system includes a storage device and a processor coupled to the storage device. The storage device stores software instructions for controlling the processor that when executed by the processor configure the processor to receive a signal representing a request comprising a first transfer from a first digital container associated with a first client to a second digital container associated with a second client. A value of the first transfer is compared to a total value in one or more accounts associated with the first client. At least one of the one or more accounts associated with the first client has a value in a first currency. A first draft is generated from a first account to an account associated with the second client. The first draft comprises a value in a second currency equivalent to the value of the first transfer.

公开(公告)号：US20180089641A1

公开(公告)日：2018-03-29

申请号：US15277540

申请日：2016-09-27

Applicant: The Toronto-Dominion Bank

Inventor： Paul Mon-Wah CHAN ,  Perry Aaron Jones HALDENBY ,  John Jong Suk LEE

IPC: G06Q20/06 ,  G06Q20/20 ,  G06Q20/40

CPC classification number: G06Q20/0655 ,  G06Q20/202 ,  G06Q20/4037 ,  G06Q40/02 ,  G06Q40/06 ,  G06Q2220/00

Abstract: A system comprises a non-transitory machine readable storage medium storing instructions and a database identifying a plurality of assets and a state of each asset. The instructions configure a processor for receiving updates to a distributed electronic ledger managed by plural peer processors. Each update includes an event or change affecting one of the assets. The peer processors verify portions of the ledger describing each event or change. At least one of the updates has not yet been recorded in the ledger at a time of the receiving. The processor computes a state of each asset, based on the updates, receives a request for a state of one of the assets; and responds to the request, reflecting each event and change affecting that asset. The response is performed without waiting for the peer processors to verify an update that has not yet been recorded in the ledger.

公开(公告)号：US20170046709A1

公开(公告)日：2017-02-16

申请号：US15233475

申请日：2016-08-10

Applicant: The Toronto-Dominion Bank

Inventor： John Jong Suk LEE ,  Arthur Carroll CHOW ,  Perry Aaron Jones HALDENBY ,  Paul Mon-Wah CHAN

IPC: G06Q20/40 ,  G06Q20/38

CPC classification number: G06Q20/0655 ,  G06F21/62 ,  G06F21/645 ,  G06Q10/0631 ,  G06Q10/063114 ,  G06Q10/08 ,  G06Q10/103 ,  G06Q10/1097 ,  G06Q20/065 ,  G06Q20/102 ,  G06Q20/367 ,  G06Q20/3829 ,  G06Q20/401 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q30/0214 ,  G06Q40/08 ,  G06Q40/128 ,  G06Q50/08 ,  G06Q50/18 ,  G06Q2220/00 ,  G06Q2220/10 ,  G06Q2230/00 ,  H04L9/0816 ,  H04L9/0861 ,  H04L9/0891 ,  H04L9/0894 ,  H04L9/3247 ,  H04L63/0435 ,  H04L63/0442 ,  H04L63/061 ,  H04L63/062 ,  H04L63/08 ,  H04L63/0876 ,  H04L63/12 ,  H04L2209/24 ,  H04L2209/38 ,  H04L2209/56 ,  H04N5/913 ,  H04N2005/91342 ,  Y02P90/86 ,  Y04S10/54

Abstract: An apparatus for use in a product tracking system includes a storage device and a processor, the storage device storing software instructions that when executed by the processor configure the processor to: receive a signal representing data including event information detailing an event involving a manufactured product; load a portion of a block-chain ledger for tracking information associated with the product, the block-chain ledger including, within a block thereof and associated with the product, trigger-event data reflecting an event trigger and rules data reflecting a rule associated with the event trigger; and compare the event information with the trigger-event data, wherein the event trigger identifies a causal relationship between a possible event involving the product and an operation with respect to the product.

Abstract translation: 一种用于产品跟踪系统的装置，包括存储装置和处理器，存储装置存储软件指令，当由处理器执行时，该处理器将处理器配置为：接收表示数据的信号，该信号包括细节涉及制造产品的事件的事件信息; 加载块链分类帐的一部分以跟踪与产品相关联的信息，块链分类帐在其块内包括与产品相关联的触发事件数据，反映事件触发和反映与 事件触发器 以及将所述事件信息与所述触发事件数据进行比较，其中所述事件触发器识别涉及所述产品的可能事件与所述产品的操作之间的因果关系。

公开(公告)号：US20200372147A1

公开(公告)日：2020-11-26

申请号：US16991259

申请日：2020-08-12

Applicant: The Toronto-Dominion Bank

Inventor： Dino Paul D'AGOSTINO ,  Perry Aaron Jones HALDENBY ,  Dean C. N. TSERETOPOULOS ,  Jeffrey Aaron ECKER ,  Adam Douglas McPHEE ,  Milos DUNJIC ,  John Jong Suk LEE ,  Arun Victor JAGGA

IPC: G06F21/44 ,  G06K19/077 ,  G06Q20/32

Abstract: A method for authenticating a wearable device is disclosed. The method includes: receiving, from a tokenization service provider (TSP), a signal representing a first code derived by the TSP from decrypting a security token previously provisioned in the computing device, wherein the security token was received at a terminal from the computing device and transmitted to the TSP; obtaining, based on the received signal representing the first code, a device identifier of the computing device and an identifier of an account; querying a device database to verify that the computing device is associated with a first status; verifying that the account is enabled for an operation initiated using the computing device; and transmitting an authorization message to the terminal, the authorization message authorizing the operation.

公开(公告)号：US20200073548A1

公开(公告)日：2020-03-05

申请号：US16675092

申请日：2019-11-05

Applicant: The Toronto-Dominion Bank

Inventor： Garima AGGARWAL ,  Hisham Ibrahim SALAMA ,  Rakesh Thomas JETHWA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Dean C. N. TSERETOPOULOS ,  Amber Rose COSSITT

IPC: G06F3/0488 ,  G06F21/31 ,  G06Q20/32 ,  G06Q20/10 ,  G06Q20/40

Abstract: A method and system are provided for facilitating access to electronic data. The method is executed by a processor of a computing device. The computing device includes the processor coupled to a memory, a communications module, and an input device. The method includes receiving a first input from the input device representing a request from a request initiator to access funds for use in a transaction, requesting and receiving, via the communications module, financial health data associated with the request initiator, and determining a second input for accessing the funds. The second input is received from the input device and has a complexity dependent on the financial health data. The method also includes facilitating access to the funds when the second input is received.

公开(公告)号：US20190392515A1

公开(公告)日：2019-12-26

申请号：US16560288

申请日：2019-09-04

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar GANDHI ,  Robert Kyle MILLER ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Rakesh Thomas JETHWA

IPC: G06Q40/02 ,  G06F3/0484 ,  G06F3/0486

Abstract: A device and method for management of an account. An event placement timeline is displayed. Account events are shown along the timeline. A preferred event time range or “safe zone” is shown along the timeline. The “safe zone” is the portion of the month during which it is safe to schedule certain events, like bill payments, with lower risk of NSF, overdraft or the like. The user moves a movable object into the “safe zone” to reschedule the account event in the “safe zone”, and the settings of the account are modified to automatically execute the account event at that time.

公开(公告)号：US20190370893A1

公开(公告)日：2019-12-05

申请号：US16541325

申请日：2019-08-15

Applicant: The Toronto-Dominion Bank

Inventor： Rajeev Kumar GANDHI ,  Robert Kyle MILLER ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE ,  Rakesh Thomas JETHWA

IPC: G06Q40/02 ,  G06Q10/10 ,  G06F3/0484

Abstract: A computing device and method for managing an account. A computer displays a historical timeline and an event placement timeline. Past events are shown along the historical timeline, and future events along the event placement timeline. The computer suggest a change to the timing of one of the events. The user moves a movable object to the proposed timing to reschedule the event. The settings of the account are modified to automatically execute that event at the new timing.

公开(公告)号：US20180096345A1

公开(公告)日：2018-04-05

申请号：US15285129

申请日：2016-10-04

Applicant: The Toronto-Dominion Bank

Inventor： Hisham Ibrahim SALAMA ,  Paul Mon-Wah CHAN ,  John Jong Suk LEE

IPC: G06Q20/36 ,  G06F21/62 ,  G06Q20/32

CPC classification number: G06Q20/3674 ,  G06F21/57 ,  G06F21/6245 ,  G06F21/629 ,  G06Q20/322 ,  G06Q20/356 ,  G06Q20/3574 ,  H04L2463/102 ,  H04W12/00 ,  H04W12/08 ,  H04W88/02

Abstract: Methods and devices for provisioning a secure application on an electronic device with first issuer data for a first issuer are described. In an embodiment, the provisioning system receives and stores first issuer records. The example provisioning system receives a provisioning request to provision the secure application with the first issuer data. The provisioning request includes identifying information. The example provisioning system evaluates the provisioning request based on at least one of the first issuer evaluation criteria, the first issuer records and the identifying information in the provisioning request. When the provisioning request satisfies the first issuer evaluation criteria, the example provisioning system generates a signal using the communication module to provide the first issuer data to the electronic device to provision the secure application on the electronic device.