公开(公告)号：US10438206B2

公开(公告)日：2019-10-08

申请号：US14723331

申请日：2015-05-27

Applicant: The Toronto-Dominion Bank

Inventor： Salim Jivraj ,  Lauren Van Heerden ,  Michael D. Cummins ,  Prabaharan Sivashanmugam ,  Gerald Jeschke ,  Andrew Chak ,  Mike Stephenson ,  Paul Mon-Wah Chan ,  John Jong Suk Lee ,  Orin Del Vecchio

IPC: G06Q20/40 ,  G06Q20/32

Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.

公开(公告)号：US20140337235A1

公开(公告)日：2014-11-13

申请号：US14273425

申请日：2014-05-08

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 ,  G06Q20/38

CPC classification number: G06Q20/223 ,  G06Q20/10 ,  G06Q20/3829 ,  G06Q20/383

Abstract: A method of person-to-person anonymous electronic payment processing may involve a payment processing server receiving from a payor payment device a payment initiation request for a payment from a payor account. The payment initiation request may identify a payment amount and excludes payee particulars and the payee account. The server may also receive from a payee payment device a payment completion request requesting completion of the payment. The payment completion request may include a payee identifier and exclude the payment amount, payor account and payor particulars. The server may confirm that the payment completion request is uniquely associated with the payee payment device and the payee identifier, and determine the payment amount and the payor account by correlating the payment completion request with the payment initiation request. In accordance with an outcome of the confirming, the payment processing server may effect a transfer in the payment amount from the payor account to the payee account.

Abstract translation: 个人对个人匿名电子支付处理的方法可以涉及支付处理服务器从付款人支付设备从付款人帐户接收付款的支付发起请求。 付款发起请求可以标识支付金额并且不包括收款人资料和收款人账户。 服务器还可以从收款人支付设备接收请求完成支付的支付完成请求。 付款完成请求可以包括收款人标识符，并且不包括支付金额，支付者账户和支付者详情。 服务器可以确认支付完成请求与收款人支付设备和收款人标识符唯一相关，并且通过将支付完成请求与支付发起请求相关联来确定支付金额和支付者帐户。 根据确认的结果，支付处理服务器可以将付款金额从付款人帐户转移到收款人账户。

公开(公告)号：US11663603B2

公开(公告)日：2023-05-30

申请号：US16560013

申请日：2019-09-04

Applicant: The Toronto-Dominion Bank

Inventor： Salim Jivraj ,  Lauren Van Heerden ,  Michael D. Cummins ,  Prabaharan Sivashanmugan ,  Gerald Jeschke ,  Andrew Chak ,  Mike Stephenson ,  Paul Mon-Wah Chan ,  John Jong Suk Lee ,  Orin Del Vecchio

IPC: G06Q20/40 ,  G06Q20/32

CPC classification number: G06Q20/4016 ,  G06Q20/322

Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.

公开(公告)号：US20200051082A1

公开(公告)日：2020-02-13

申请号：US16655602

申请日：2019-10-17

Applicant: The Toronto-Dominion Bank

Inventor： PRABAHARAN SIVASHANMUGAM ,  Lauren Van Heerden ,  Michael D. Cummins ,  Orin Del Vecchio ,  Gunalan Nadarajah ,  Edward Lounsbury ,  Paul Mon-Wah Chan ,  Jonathan K. Barnett ,  Ashraf Metwalli ,  Jakub Danielak

IPC: G06Q20/40 ,  G06Q20/20 ,  G06Q20/38 ,  H04L29/06

Abstract: The disclosed embodiments include methods and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.

公开(公告)号：US20190392452A1

公开(公告)日：2019-12-26

申请号：US16560013

申请日：2019-09-04

Applicant: The Toronto-Dominion Bank

Inventor： SALIM JIVRAJ ,  Lauren Van Heerden ,  Michael D. Cummins ,  Prabaharan Sivashanmugan ,  Gerald Jeschke ,  Andrew Chak ,  Mike Stephenson ,  Paul Mon-Wah Chan ,  John Jong Suk Lee ,  Orin Del Vecchio

IPC: G06Q20/40 ,  G06Q20/32

Abstract: Mobile communications devices, systems and methods are provided for identifying a risk of fraudulent activity associated with a merchant before a user executes a transaction with the merchant. In an embodiment, a mobile communications device obtains first information identifying prior instances of fraudulent activity associated with a merchant. The mobile communications device may determine a level of risk of fraudulent activity associated with the merchant based on the obtained first information, and may identify, based on the determined risk level, one or more payment instruments and associated incentives appropriate for financial services transactions involving the merchant. The mobile communications device may present, to a user, a notification including the identified payment instruments and associated incentives prior to execution of a transaction between the user and the merchant.

公开(公告)号：US20140358786A1

公开(公告)日：2014-12-04

申请号：US14289261

申请日：2014-05-28

Applicant: The Toronto-Dominion Bank

Inventor： Lauren VAN HEERDEN ,  Michael D. Cummins ,  Prabaharan Sivashanmugam ,  Gunalan Nadarajah ,  Orin Del Vecchio

IPC: G06Q20/38

CPC classification number: G06Q20/3821 ,  G06Q20/351 ,  G06Q20/401

Abstract: The disclosed embodiments include systems and methods for issuing a virtual certified financial instrument. The disclosed embodiments may be configured to receive a financial instrument request for a virtual certified financial instrument, generate a payor token and a payee token, generate a reference token from the payor token and the payee token using an algorithm rendering it computationally infeasible for the reference token to be derived from only one of the payor token and the payee token, and uniquely associate the reference token with the virtual certified financial instrument. The disclosed embodiments may also be configured to receive, from the payor device or the payee device, a financial instrument redemption request that includes a composite token, and redeem the virtual financial instrument in accordance with a confirmation that the composite token matches the reference token.

Abstract translation: 所公开的实施例包括用于发行虚拟认证金融工具的系统和方法。 所公开的实施例可以被配置为接收对虚拟认证的金融工具的金融工具请求，生成付款人令牌和收款人令牌，从付款人令牌和收款人令牌生成参考令牌，并使用使计算上不可参考的算法的算法 令牌仅从付款人令牌和收款人令牌中的一个派生，并将参考令牌与虚拟认证的金融工具相关联。 所公开的实施例还可以被配置为从付款者设备或收款人设备接收包括复合令牌的金融工具兑换请求，并且根据复合令牌与参考令牌匹配的确认来兑换虚拟金融工具。

公开(公告)号：US20190026739A1

公开(公告)日：2019-01-24

申请号：US16139347

申请日：2018-09-24

Applicant: The Toronto-Dominion Bank

Inventor： Prabaharan Sivashanmugam ,  Lauren Van Heerden ,  Michael D. Cummins ,  Orin Del Vecchio ,  Gunalan Nadarajah ,  Edward Lounsbury ,  Paul Mon-Wah Chan ,  Jonathan K. Barnett ,  Ashraf Metwalli ,  Jakub Danielak

IPC: G06Q20/40 ,  H04L29/06 ,  G06Q20/20 ,  G06Q20/38

Abstract: The disclosed embodiments include methods, systems, system terminals, and point-of-sale terminals for authenticating a user. The disclosed embodiments include, for example, a method for receiving, by one or more processors, authentication data from an authentication network, the authentication data including an authentication code identifying an authentication transaction associated with an authenticating partner system. The method may also include validating, by the one or more processors, the authentication data, the validating comprising comparing the authentication data with validation data corresponding to a prior authentication event associated with the user. The method may also include generating, by the one or more processors, validation information based on the validating, the validation information comprising a determination whether to validate the user for the authentication transaction. The method may also include providing, by the one or more processors, the validation information to the authentication network.

公开(公告)号：US20160012428A1

公开(公告)日：2016-01-14

申请号：US14796512

申请日：2015-07-10

Applicant: The Toronto-dominion Bank

Inventor： Perry Haldenby ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Jenny Lin ,  Michael D. Cummins ,  Lauren Van Heerden ,  Prabaharan Sivashanmugam ,  Orin Del Vecchio ,  Gunalan Nadarajah

IPC: G06Q20/38

CPC classification number: G06Q20/3572 ,  G06Q20/34 ,  G06Q20/354 ,  G06Q20/383

Abstract: The disclosed embodiments include methods and systems that provide secure data transmission between networked computing systems by obfuscating sensitive customer account data with placeholder account data generated in real-time and without customer intervention. The disclosed embodiments may include a computerized device that monitors user input to detect an initiation of a purchase transaction at a merchant, and upon detection of the initiated purchase transaction, may obtain a placeholder account suitable for use in the purchase transaction and capable of masking a user's sensitive account information without user intervention. In some instances, a system of a financial institution may activate and fund the placeholder account in real time and in an amount consistent with a transaction amount of the purchase transaction. Devices consistent with the disclosed embodiments may request execution of the initiated purchase transaction in accordance with the activated and funded placeholder account.

Abstract translation: 所公开的实施例包括通过将敏感的客户帐户数据与实时生成并且没有客户干预的占位符帐户数据混淆来提供联网计算系统之间的安全数据传输的方法和系统。 所公开的实施例可以包括监视用户输入以检测商家的购买交易的开始的计算机化设备，并且在检测到所启动的购买交易时，可以获得适合于在购买交易中使用的占位符帐户并且能够屏蔽 用户敏感的帐户信息，无需用户干预。 在某些情况下，金融机构的系统可以实时激活和占用占位符账户，并且与购买交易的交易金额一致。 与所公开的实施例一致的装置可以根据激活和资助的占位符帐户请求执行所启动的采购交易。

公开(公告)号：US08864024B1

公开(公告)日：2014-10-21

申请号：US14208146

申请日：2014-03-13

Applicant: The Toronto-Dominion Bank

Inventor： Michael D. Cummins ,  Prabaharan Sivashanmugam ,  Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio

IPC: G06K19/00 ,  G06Q30/00 ,  G06Q20/34

CPC classification number: G06Q20/341 ,  G06Q20/20 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q30/06 ,  G06Q40/02

Abstract: A system, method and computer program product is capable of proactive assessment of transactions and communication of alerts based on pre-set rules to increase transaction integrity and mitigate fraud. Unauthorized transactions may be stopped before processing through an account to enhance the security of transactions and decrease fraudulent transactions without the account holder seeing a negative transaction in their account. Chip-enabled cards may be configured to alert account holders of transactions prior to being processed through an account based on pre-set rules stored on the chip or in a remote data store. The transaction can be stopped until the account holder authorizes the transaction based on the alert. The alert can be sent through the merchant system or wirelessly from the chip-enabled card.

公开(公告)号：US08690054B1

公开(公告)日：2014-04-08

申请号：US14068504

申请日：2013-10-31

Applicant: The Toronto-Dominion Bank

Inventor： Michael D. Cummins ,  Prabaharan Sivashanmugam ,  Lauren Van Heerden ,  Gunalan Nadarajah ,  Orin Del Vecchio

IPC: G06K19/00 ,  G06Q30/00

CPC classification number: G06Q20/341 ,  G06Q20/20 ,  G06Q20/4016 ,  G06Q20/405 ,  G06Q30/06 ,  G06Q40/02

Abstract: A system, method and computer program product is capable of proactive assessment of transactions and communication of alerts based on pre-set rules to increase transaction integrity and mitigate fraud. Unauthorized transactions may be stopped before processing through an account to enhance the security of transactions and decrease fraudulent transactions without the account holder seeing a negative transaction in their account. Chip-enabled cards may be configured to alert account holders of transactions prior to being processed through an account based on pre-set rules stored on the chip or in a remote data store. The transaction can be stopped until the account holder authorizes the transaction based on the alert. The alert can be sent through the merchant system or wirelessly from the chip-enabled card.

Abstract translation: 系统，方法和计算机程序产品能够基于预先设定的规则主动地评估交易和通知，从而提高交易完整性并减轻欺诈。 在通过帐户处理之前，未经授权的交易可能会被停止，以增强交易的安全性并减少欺诈性交易，而帐户持有人在其账户中看到负面交易。 基于芯片的卡可以被配置为在基于存储在芯片或远程数据存储器中的预设规则通过帐户处理之前向帐户持有人提醒交易。 交易可以停止，直到帐户持有人根据警报授权交易。 警报可以通过商家系统发送，也可以从芯片使能卡无线发送。