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    Connected device-based property evaluation
    4.
    发明授权
    Connected device-based property evaluation 有权

    公开(公告)号：US10706465B2

    公开(公告)日：2020-07-07

    申请号：US15265318

    申请日：2016-09-14

    Applicant: The Toronto-Dominion Bank

    Inventor： Roy D'Souza ,  Roisin Lara Fritz ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

    IPC: G06Q20/10 ,  G06Q50/08 ,  G06Q40/00 ,  G06Q10/10 ,  G06Q50/16 ,  G06Q10/00

    Abstract: The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, system operations include identifying a construction schedule associated with a particular property, the construction schedule including at least one construction event for the property. A disbursement schedule associated with the construction schedule and the property are identified, wherein the disbursement schedule defines construction events that trigger at least a partial disbursement of funds associated with the construction. Connected devices associated with the property are associated to one or more of the construction events, and a set of data characteristics associated with the one or more connected devices are defined that correspond to particular construction events. Outputs from the connected devices are then monitored during construction, and, in response to a determination that the monitored outputs match the defined data characteristics corresponding to particular construction events, a corresponding fund disbursement is initiated.

    Connected device-based property evaluation
    5.
    发明授权
    Connected device-based property evaluation 有权

    公开(公告)号：US10311511B2

    公开(公告)日：2019-06-04

    申请号：US15265270

    申请日：2016-09-14

    Applicant: The Toronto-Dominion Bank

    Inventor： Roy D'Souza ,  Roisin Lara Fritz ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee ,  Orin Del Vecchio

    IPC: G06Q50/16 ,  G06Q40/00 ,  G06Q10/10 ,  G06Q20/10 ,  G06Q50/08 ,  G06Q10/00 ,  G06Q90/00

    Abstract: The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, operations include identifying a property associated with an initial price and collecting information about the property by receiving information from one or more connected devices associated with the property. The one or more connected devices can each have a sensor for monitoring a condition within the property, and can providing information about the condition to the connected device, where the information is associated with a current status of the identified property. At least one action to be performed at the property based on the collected information is determined, with each action corresponding to an element at the property. An aggregate set of cost information associated with each determined action is determined and combined with the initial price to determine a modified purchase price. The modified price is then presented.

    Connected Device-Based Property Evaluation
    7.
    发明申请
    Connected Device-Based Property Evaluation 审中-公开
    连接的基于设备的属性评估

    公开(公告)号：US20170076365A1

    公开(公告)日：2017-03-16

    申请号：US15265318

    申请日：2016-09-14

    Applicant: The Toronto-Dominion Bank

    Inventor： Roy D'Souza ,  Roisin Lara Fritz ,  Jonathan K. Barnett ,  Paul Mon-Wah Chan ,  John Jong-Suk Lee

    IPC: G06Q40/00 ,  G06Q20/10 ,  G06Q50/08 ,  G06Q10/10

    Abstract: The present disclosure involves systems and computer implemented methods for performing a connected device-based property evaluation. In one example, system operations include identifying a construction schedule associated with a particular property, the construction schedule including at least one construction event for the property. A disbursement schedule associated with the construction schedule and the property are identified, wherein the disbursement schedule defines construction events that trigger at least a partial disbursement of funds associated with the construction. Connected devices associated with the property are associated to one or more of the construction events, and a set of data characteristics associated with the one or more connected devices are defined that correspond to particular construction events. Outputs from the connected devices are then monitored during construction, and, in response to a determination that the monitored outputs match the defined data characteristics corresponding to particular construction events, a corresponding fund disbursement is initiated.

    Abstract translation: 本公开涉及用于执行基于连接的基于设备的属性评估的系统和计算机实现的方法。 在一个示例中，系统操作包括识别与特定属性相关联的施工进度，施工进度包括用于该属性的至少一个施工事件。 确定与施工进度表和财产相关联的支付计划，其中支付计划定义了触发至少部分支付与建设相关的资金的建筑事件。 与属性相关联的连接的设备与一个或多个构造事件相关联，并且与一个或多个连接的设备相关联的一组数据特征被定义为对应于特定的构造事件。 然后在施工过程中对所连接设备的输出进行监控，并且响应于确定所监视的输出与对应于特定建筑事件的定义的数据特性相匹配，启动相应的资金支付。

    Token-based system for securing and recovering data
    8.
    发明授权
    Token-based system for securing and recovering data 有权

    公开(公告)号：US11488153B2

    公开(公告)日：2022-11-01

    申请号：US15286625

    申请日：2016-10-06

    Applicant: The Toronto-Dominion Bank

    Inventor： Roy D'Souza ,  Jonathan K. Barnett ,  Roisin F. Fritz ,  John Jong Suk Lee ,  Paul Mon-Wah Chan ,  Orin Del Vecchio

    IPC: G06Q20/38 ,  G06Q20/28 ,  H04L9/32 ,  G06Q20/40 ,  H04L9/14 ,  H04L9/30 ,  H04L9/08

    Abstract: A message processing server includes a message processor and a database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The first layer includes the second layer and a first pointer. The second layer includes a second pointer. The message processor is configured to receive a first authorization message including a first cryptographic key and a second value; decrypt the first layer of one of the tokens with the first key; validate the first pointer by receiving confirmation of the first pointer pointing to a database entry comprising the second value; receive a second authorization message including a second cryptographic key and a third value; decrypt the second layer of the token with the second key; and validate the second pointer by receiving confirmation of the second pointer pointing to a database entry comprising a maximum data value not less than the third value.

    SECURING DATA VIA MULTI-LAYER TOKENS
    10.
    发明申请
    SECURING DATA VIA MULTI-LAYER TOKENS 审中-公开

    公开(公告)号：US20170134168A1

    公开(公告)日：2017-05-11

    申请号：US15283861

    申请日：2016-10-03

    Applicant: The Toronto-Dominion Bank

    Inventor： Jonathan K. Barnett ,  Roy D'Souza ,  John Jong Suk Lee ,  Christopher Arthur Holland McAlpine ,  Aleksandar Roskic ,  Douglas Edward William Watson ,  Zheng Xi ,  Shannon Rose Yeoman

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

    Abstract: A message processing server includes a memory and a message processor. The message processor is configured to receive first data; save an identifier in association with a first-layer access restriction indicator and a first key, generate a first encrypted layer by encrypting the first data with the first key, and generate a token from the identifier and the first encrypted layer; receive second data and the token; recover the identifier and the first encrypted layer from the token; confirm that the identifier was saved in the memory in association with the first indicator; save the identifier in association with a second-layer access restriction indicator and a second key, generate a second encrypted layer by encrypting the first encrypted layer and the second data with the second key, and regenerate the token from the identifier and the second encrypted layer.

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