公开(公告)号：US12067137B2

公开(公告)日：2024-08-20

申请号：US17490743

申请日：2021-09-30

Applicant: The Toronto-Dominion Bank

Inventor： Shishir Dattatraya Bhat ,  Marcus Edward Furlong ,  Katherine Kanczuga ,  Sumathi Seetharaman

IPC: G06F21/62 ,  G06Q40/02

CPC classification number: G06F21/6218 ,  G06Q40/02

Abstract: Computing platforms, methods, and storage media for processing a data access request are disclosed. Exemplary implementations may: receive, at an apparatus, a data access request from a communication device and via a network; and generate, at the apparatus and based on the received data access request, a revocable 1:1:1 token that authorizes data sharing for a specific combination of third party application-aggregator-institution. Exemplary implementations may transmit the revocable 1:1:1 token for storage in a token database, and may store the 1:1:1 tokens in a token database associated with an institution related to the data access request; this allows access to be managed by the user and controlled by the institution, without relying on the aggregator. Exemplary implementations may provide a dashboard enabling a user to individually remove apps from data sharing, based on management of the 1:1:1 tokens.

公开(公告)号：US11956244B2

公开(公告)日：2024-04-09

申请号：US17941065

申请日：2022-09-09

Applicant: The Toronto-Dominion Bank

Inventor： Harjot Singh Panag ,  Kevin Wayne Faragher ,  Sumathi Seetharaman

IPC: H04L9/40

CPC classification number: H04L63/102 ,  H04L63/083

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, and in response to determining that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, initiate the transfer of the first quantity of resources.

公开(公告)号：US11477203B2

公开(公告)日：2022-10-18

申请号：US16930421

申请日：2020-07-16

Applicant: The Toronto-Dominion Bank

Inventor： Harjot Singh Panag ,  Kevin Wayne Faragher ,  Sumathi Seetharaman

IPC: H04L9/40

Abstract: A server comprises a communications module; a processor coupled with the communications module; and a memory coupled to the processor and storing processor-executable instructions which, when executed by the processor, configure the processor to authenticate a user via a first authentication channel; receive, via the communications module and from a computing device associated with the user, a signal representing a request to transfer a first quantity of resources; determine that the first quantity of resources is less than a first threshold associated with the first authentication channel; obtain identity data associated with the request to transfer the first quantity of resources; determine, based on the identity data, that a request to transfer a second quantity of resources has been previously initiated by the user via a second authentication channel that is different than the first authentication channel; and determine that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, and in response to determining that the sum of the first quantity of resources and the second quantity of resources is less than the first threshold, initiate the transfer of the first quantity of resources.

公开(公告)号：US12093226B2

公开(公告)日：2024-09-17

申请号：US17476863

申请日：2021-09-16

Applicant: The Toronto-Dominion Bank

Inventor： Katherine Kanczuga ,  Shishir Dattatraya Bhat ,  Sumathi Seetharaman

IPC: G06F16/00 ,  G06F9/54 ,  G06F16/21

CPC classification number: G06F16/21 ,  G06F9/54

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 generate a recommendation to create a data record at least at one third party server; send, via the communications module and to a computing device, a signal causing the computing device to display the recommendation, the recommendation including a selectable option to create the data record at the at least one third party server; receive, via the communications module and from the computing device, a signal indicating selection of the selectable option to create the data record at the at least one third party server; engage, via the communications module, the third party server to initiate creation of the data record; retrieve previously-obtained identity data required to create the data record; and provide, via the communications module and to the at least one third party server, the previously-obtained identity data to create the data record.

公开(公告)号：US20230096672A1

公开(公告)日：2023-03-30

申请号：US17490743

申请日：2021-09-30

Applicant: The Toronto-Dominion Bank

Inventor： Shishir Dattatraya BHAT ,  Marcus Edward Furlong ,  Katherine Kanczuga ,  Sumathi Seetharaman

IPC: G06F21/62 ,  G06Q40/02

Abstract: Computing platforms, methods, and storage media for processing a data access request are disclosed. Exemplary implementations may: receive, at an apparatus, a data access request from a communication device and via a network; and generate, at the apparatus and based on the received data access request, a revocable 1:1:1 token that authorizes data sharing for a specific combination of third party application-aggregator-institution. Exemplary implementations may transmit the revocable 1:1:1 token for storage in a token database, and may store the 1:1:1 tokens in a token database associated with an institution related to the data access request; this allows access to be managed by the user and controlled by the institution, without relying on the aggregator. Exemplary implementations may provide a dashboard enabling a user to individually remove apps from data sharing, based on management of the 1:1:1 tokens.