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1. 发明授权

US10402792B2 Systems and method for tracking enterprise events using hybrid public-private blockchain ledgers 有权
公开(公告)号：US10402792B2
公开(公告)日：2019-09-03
申请号：US14928838
申请日：2015-10-30
申请人： The Toronto-Dominion Bank
发明人： Jenny Lin , Perry Haldenby , John Jong Suk Lee , Paul Mon-Wah Chan , Orin Del Vecchio
IPC分类号： G06Q20/06 , G06Q10/06 , G06Q10/10 , G06Q50/08 , G06Q20/10 , G06Q20/40 , G06F21/62 , H04L9/08 , G06Q50/18 , H04L9/32 , H04L29/06 , G06Q10/08 , G06Q30/02 , G06Q40/00 , G06Q40/08 , G06F21/64 , H04N5/913 , G06Q20/36 , G06Q20/38
摘要： The disclosed embodiments include computerized systems and methods for generating secured blockchain-based ledger data structures that track occurrences of events across fragmented and geographically dispersed lines-of-business of an enterprise. In one instance, an apparatus associated with a rules authority of the secured blockchain-based ledger may detect an occurrence of a triggering event, and may access and decrypt a set of rules hashed into the secured blockchain-based ledger using a confidentially-held master cryptographic key. The apparatus may identify a rule associated with the detected event, and perform one or more operations consistent with the rule, including a disbursement of various rewards to employees in response to customer-specific interactions with the enterprise. The disclosed embodiments provide a rules process for aggregating mutually incompatible enterprise data that specifies the events, and for tracking the events in uniform data structures accessible across the enterprise.

2. 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。

3. 发明申请

US20160125413A1 Image Recognition-Based Payment Requests 审中-公开
标题翻译：基于图像识别的付款请求
公开(公告)号：US20160125413A1
公开(公告)日：2016-05-05
申请号：US14926549
申请日：2015-10-29
申请人： The Toronto-Dominion Bank
发明人： Jenny Lin , Paul Mon-Wah Chan , Jonathan K. Barnett , Orin DelVecchio
IPC分类号： G06Q20/40
CPC分类号： G06Q20/32 , G06K9/00288 , G06Q20/102 , G06Q20/204 , G06Q20/3224 , G06Q20/4014 , G06Q20/40145
摘要： The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, the process may include identifying an image associated with a payment request, the identified image containing at least one recipient associated with the payment request, and wherein the payment request includes a value, analyzing the identified image to identify the at least one potential recipient of the payment request, identifying contact information associated with the at least one identified recipient of the payment request, and sending the payment request to the at least one identified recipient of the payment request via a destination associated with the identified contact information.
摘要翻译：本公开涉及用于基于人或实体出现的图像向一个或多个人或实体发送支付请求的系统，软件和计算机实现的方法。在一个示例中，该过程可以包括识别与支付请求相关联的图像，所识别的图像包含与支付请求相关联的至少一个接收者，并且其中支付请求包括值，分析识别的图像以识别至少一个支付请求的潜在接收者，识别与所述至少一个已识别的支付请求的接收者相关联的联系人信息，以及经由与所识别的联系人信息相关联的目的地将所述支付请求发送到所述支付请求的至少一个识别的接收者。

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