公开(公告)号：US20210241269A1

公开(公告)日：2021-08-05

申请号：US16782625

申请日：2020-02-05

Applicant: The Toronto-Dominion Bank

Inventor： MILOS DUNJIC ,  Yubing LIU ,  Anthony Haituyen NGUYEN ,  Daniel David GRINBERG

IPC: G06Q20/38 ,  H04L9/08 ,  H04L9/32 ,  G06Q10/08 ,  G06Q20/10 ,  G06Q30/00 ,  G06Q20/40 ,  G06K19/06

Abstract: Systems and methods for effecting secure transactions are described. A processing device, when executing computer-executable instructions: receives from a requesting entity computing system a transaction request for a payload. The transaction request is transmitted to delivery entity computing system associated with a delivery entity identifier and geographic location. An encryption key, random number and a unique request identifier are generated and transmitted to requesting and delivery entity computing systems. In response to receiving a delivery transaction confirmation from the delivery entity computing system, the processing device verifies the secure transaction. After receiving a requestor transaction confirmation from the requesting entity computing system (indicating a verified transfer of the payload), a payload reimbursement is transferred to a delivery transaction account from a requestor transaction account.

公开(公告)号：US20210233154A1

公开(公告)日：2021-07-29

申请号：US17229723

申请日：2021-04-13

Applicant: THE TORONTO-DOMINION BANK

Inventor： MILOS DUNJIC ,  ANTHONY HAITUYEN NGUYEN ,  YUBING LIU

IPC: G06Q30/06 ,  H04W4/02

Abstract: There is provided a system and method to direct processing of orders to improve processing resource usage. QOS statistics relative to wait times and/or processing times or other measures of busyness may be maintained relative to physical office or branch locations where customers attend to have orders processed. QOS measures may be defined relative to these statistical measures of busyness that predict future busyness at respective locations. The QOS measures may be provided to a customer, such as in association with an order ahead application, to recommend to the customer to attend at a location that is less busy thereby distributing processing requests (orders) to less busy locations and better utilize resources.

公开(公告)号：US20200272767A1

公开(公告)日：2020-08-27

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

IPC: G06F21/64 ,  H04L9/32 ,  G06F16/182 ,  H04L9/00 ,  G06F16/18

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.

公开(公告)号：US20210075791A1

公开(公告)日：2021-03-11

申请号：US16561645

申请日：2019-09-05

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 ,  H04W12/04 ,  H04W12/08

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：US20200098035A1

公开(公告)日：2020-03-26

申请号：US16142496

申请日：2018-09-26

Applicant: THE TORONTO-DOMINION BANK

Inventor： MILOS DUNJIC ,  ANTHONY HAITUYEN NGUYEN ,  YUBING LIU

IPC: G06Q30/06 ,  H04W4/02

Abstract: There is provided a system and method to direct processing of orders to improve processing resource usage. QOS statistics relative to wait times and/or processing times or other measures of busyness may be maintained relative to physical office or branch locations where customers attend to have orders processed. QOS measures may be defined relative to these statistical measures of busyness that predict future busyness at respective locations. The QOS measures may be provided to a customer, such as in association with an order ahead application, to recommend to the customer to attend at a location that is less busy thereby distributing processing requests (orders) to less busy locations and better utilize resources.