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1. 发明授权

US11216808B2 Token-based system for excising data from databases 有权
公开(公告)号：US11216808B2
公开(公告)日：2022-01-04
申请号：US15286422
申请日：2016-10-05
申请人： The Toronto-Dominion Bank
发明人： Avinash Malliah , Roisin F. Fritz , Jonathan K. Barnett , John Jong Suk Lee , Paul Mon-Wah Chan , Orin Del Vecchio
IPC分类号： G06Q20/38 , G06Q20/10 , H04L9/14 , H04L9/30 , H04L9/32
摘要： A message processing server includes a message processor, a network interface, and a memory storing a token database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The message processor receives, via the network interface, at least one authorization message that identifies one of the tokens, derives a first decrypted data layer from the first encrypted data layer of the token, and extracts from the first decrypted data layer a second pointer to a secondary database that stores a predetermined data value. The message processor excises the predetermined data value from the secondary database.

2. 发明授权

US10803516B2 Branch recommendation 有权
公开(公告)号：US10803516B2
公开(公告)日：2020-10-13
申请号：US16212808
申请日：2018-12-07
申请人： The Toronto-Dominion Bank
发明人： Jonathan K. Barnett , Lauren Van Heerden , Orin Del Vecchio , Gunalan Nadarajah , John Barbon , Paul Mon-Wah Chan , Jakub Danielak , Christianne Moretti , Matthew Hamilton
IPC分类号： G06Q40/02 , G06Q20/10 , G06Q20/32
摘要： A method and system for recommending a physical location at which to complete an electronic activity are disclosed. In some examples, the system identifies an incomplete portion of an electronic activity initiated at a first device, and identifies a plurality of candidate locations for completion of the electronic activity based on at least one characteristic of the incomplete portion. When a prior location of the first device is closer to a first one of the candidate locations than to a second one of the candidate locations, the system selects the first candidate location for the completion of the electronic activity and provides activity data characterizing the electronic activity to a second device disposed at the first candidate location.

3. 发明申请

US20200242578A1 SYSTEM AND METHOD FOR GENERATING COHORTS 审中-公开
公开(公告)号：US20200242578A1
公开(公告)日：2020-07-30
申请号：US16847937
申请日：2020-04-14
申请人： The Toronto-Dominion Bank
发明人： Kevin Ricardo Mari , Evan Zachary Cohen , Jonathan K. Barnett , John Jong Suk Lee , Paul Mon-Wah Chan , Orin Del Vecchio
IPC分类号： G06Q20/20 , G06F16/23 , G06F16/21
摘要： An event monitoring processor includes a processor and at least one memory. The memory stores a database of cohort definitions. Each cohort definition defines a respective cohort. The processor is configured to receive particulars of a member event initiated by a member of one of the cohorts, generate an additional cohort definition from the particulars of the member event, and save the additional cohort definition in the cohort definitions database. The processor is also configured to receive member data associated with the cohort member, select one of the cohorts in the cohort definitions database from a correlation between the member data and the cohort definitions, and save in a cohort member database a member record that identifies a correlation between the member event and an event defined in the selected one cohort.

4. 发明申请

US20190026739A1 SYSTEMS AND METHODS FOR AUTHENTICATING USER IDENTITIES IN NETWORKED COMPUTER SYSTEMS 审中-公开
公开(公告)号：US20190026739A1
公开(公告)日：2019-01-24
申请号：US16139347
申请日：2018-09-24
申请人： The Toronto-Dominion Bank
发明人： 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分类号： G06Q20/40 , H04L29/06 , G06Q20/20 , G06Q20/38
摘要： 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.

5. 发明申请

US20170124557A1 TOKEN-BASED SYSTEM FOR EXCISING DATA FROM DATABASES 审中-公开
公开(公告)号：US20170124557A1
公开(公告)日：2017-05-04
申请号：US15286422
申请日：2016-10-05
申请人： The Toronto-Dominion Bank
发明人： Avinash Malliah , Roisin F. Fritz , Jonathan K. Barnett , John Jong Suk Lee , Paul Mon-Wah Chan , Orin Del Vecchio
IPC分类号： G06Q20/38 , H04L9/30 , H04L9/14 , G06Q20/10 , H04L9/32
CPC分类号： G06Q20/3829 , G06Q20/10 , G06Q20/38215 , G06Q20/3823 , H04L9/14 , H04L9/30 , H04L9/3234 , H04L9/3247 , H04L2209/56
摘要： A message processing server includes a message processor, a network interface, and a memory storing a token database of multi-layer tokens. Each token in the database includes a plurality of encrypted data layers. The message processor receives, via the network interface, at least one authorization message that identifies one of the tokens, derives a first decrypted data layer from the first encrypted data layer of the token, and extracts from the first decrypted data layer a second pointer to a secondary database that stores a predetermined data value. The message processor excises the predetermined data value from the secondary database.

6. 发明申请

US20170053245A1 Augmented and Virtual Reality Based Process Oversight 审中-公开
标题翻译：基于扩展和虚拟现实的过程监督
公开(公告)号：US20170053245A1
公开(公告)日：2017-02-23
申请号：US15234786
申请日：2016-08-11
申请人： The Toronto-Dominion Bank
发明人： Christianne Moretti , James Zachary Pryor , Matthew Hamilton , Jonathan K. Barnett , Paul Mon-Wah Chan , Orin Del Vecchio , John Barbon , John Jong-Suk Lee
IPC分类号： G06Q10/10
CPC分类号： H04L63/107 , G02B27/01 , G06F3/14 , G06Q10/103 , G06T19/006
摘要： The present disclosure involves systems and computer implemented methods for generating a virtual or augmented reality-based oversight system of business processes at a location remote from where the business process is executed. In one example, system operations include identifying a process-based operation performed at a physical first location, where the operation is associated with a request for oversight from a remote second location. A current state of the operation at the first location is identified, and at least one input source at the first location is identified. A simulation of the current state of the operation at the first location incorporating input from the input source(s) is generated for presentation at the second location. An action performed at the first location in the current state of the operation is identified, and the second location is then transmitted a request to authorize the identified action.
摘要翻译：本公开涉及用于在远离业务流程执行的位置生成虚拟或增强的基于现实的业务流程监督系统的系统和计算机实现的方法。在一个示例中，系统操作包括识别在物理第一位置执行的基于过程的操作，其中操作与来自远程第二位置的监视请求相关联。识别在第一位置处的操作的当前状态，并且识别在第一位置处的至少一个输入源。生成包含来自输入源的输入的第一位置处的操作的当前状态的模拟以在第二位置处呈现。识别在当前操作状态下在第一位置执行的动作，然后发送第二位置以授权所识别的动作的请求。

7. 发明申请

US20160012468A1 PRODUCT-CLASS-BASED INCENTIVIZED TRANSACTION 审中-公开
标题翻译：基于产品级的激励交易
公开(公告)号：US20160012468A1
公开(公告)日：2016-01-14
申请号：US14796681
申请日：2015-07-10
申请人： THE TORONTO-DOMINION BANK
发明人： Lauren van Heerden , Orin Del Vecchio , Gunalan Nadarajah , Paul Mon-Wah Chan , Steve Robert Langham , Jonathan K. Barnett , Jakub Danielak , Roisin Fritz , John Jong Suk Lee , Rob Miller , Ashraf Metwalli
IPC分类号： G06Q30/02 , G06Q20/10
CPC分类号： G06Q30/0226 , G06Q20/387
摘要： A method of effecting an incentive transaction involves a computer server receiving a notification message that identifies a financial transaction. The server is in communication with a database of incentive plans, each comprising a plan definition that defines an incentive transaction. Each plan is associated with plan participants by participant identifiers. Each participant identifier is uniquely associated with their plan participant. The notification message includes a product code and the participant identifier of one plan participant. The server identifies an incentive plan applicable to the financial transaction from a correlation with the participant identifier, determines an incentive amount from the product code and the incentive plan definition of the applicable incentive plan, and initiates the incentive transaction for the incentive amount with a first financial account associated with the one plan participant and with a second financial account associated with another of the plan participants of the applicable incentive plan.
摘要翻译：实施激励交易的方法涉及计算机服务器接收识别金融交易的通知消息。服务器与激励计划的数据库进行通信，每个都包含定义激励交易的计划定义。每个计划都由参与者标识符与计划参与者相关联。每个参与者标识符与其计划参与者唯一相关联。通知消息包括产品代码和一个计划参与者的参与者标识符。服务器根据与参与者标识符的相关性，确定适用于金融交易的激励计划，从产品代码确定激励金额和适用激励计划的激励计划定义，并以第一个方式启动激励金额激励交易与一个计划参与者相关联的财务帐户，以及与适用激励计划的另一计划参与者相关联的第二个财务帐户。

8. 发明申请

US20160012428A1 SYSTEMS AND METHODS FOR PROVIDING SECURE DATA TRANSMISSION BETWEEN NETWORKED COMPUTING SYSTEMS 审中-公开
标题翻译：网络计算系统之间提供安全数据传输的系统和方法
公开(公告)号：US20160012428A1
公开(公告)日：2016-01-14
申请号：US14796512
申请日：2015-07-10
申请人： The Toronto-dominion Bank
发明人： 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分类号： G06Q20/38
CPC分类号： G06Q20/3572 , G06Q20/34 , G06Q20/354 , G06Q20/383
摘要： 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.
摘要翻译：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。

9. 发明授权

US08864024B1 System and method for chip-enabled card transaction processing and alert communication 有权
公开(公告)号：US08864024B1
公开(公告)日：2014-10-21
申请号：US14208146
申请日：2014-03-13
申请人： The Toronto-Dominion Bank
发明人： Michael D. Cummins , Prabaharan Sivashanmugam , Lauren Van Heerden , Gunalan Nadarajah , Orin Del Vecchio
IPC分类号： G06K19/00 , G06Q30/00 , G06Q20/34
CPC分类号： G06Q20/341 , G06Q20/20 , G06Q20/4016 , G06Q20/405 , G06Q30/06 , G06Q40/02
摘要： 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.

10. 发明授权

US08690054B1 System and method for chip-enabled card transaction processing and alert communication 有权
标题翻译：用于芯片启用卡事务处理和警报通信的系统和方法
公开(公告)号：US08690054B1
公开(公告)日：2014-04-08
申请号：US14068504
申请日：2013-10-31
申请人： The Toronto-Dominion Bank
发明人： Michael D. Cummins , Prabaharan Sivashanmugam , Lauren Van Heerden , Gunalan Nadarajah , Orin Del Vecchio
IPC分类号： G06K19/00 , G06Q30/00
CPC分类号： G06Q20/341 , G06Q20/20 , G06Q20/4016 , G06Q20/405 , G06Q30/06 , G06Q40/02
摘要： 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.
摘要翻译：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。

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