The Toronto-dominion Bank

Adam Douglas McPhee

Arun Victor Jagga

Matta Wakim

John Jong-Suk Lee

Kyryll Odobetskiy

Jeffrey Aaron Ecker

Perry Aaron Jones Haldenby

Milos Dunjic

Dino Paul D'Agostino

John Jong Suk Lee

Dean C N Tseretopoulos

Bryan Michael Gleeson

Robert Kyle Miller

Helene Nicole Esposito

Sonja Torbica

Dexter Lamont Fichuk

Harrison Michael James Reilly

Omas Abdullah

Paul Mon-Wah Chan

Rakesh Thomas Jethwa

Igor Elkhinovich

Dmitri Rabinovich

Ian James McDonald

Dean Tseretopoulos

Aaron Stuart

Patrick Jian Hong Hum

John John-Suk Lee

The disclosed embodiments include computer-implemented systems, apparatuses, and processes that automatically generate and provision notification data to a dynamically selected set of network-connected devices operating within a computing environment. For example, an apparatus receives a first signal including first information identifying first data exchanges initiated during a first temporal interval and compute, based on the first information, an expected value of a parameter of the first data exchanges during a second temporal interval. When the expected parameter value is inconsistent with a target parameter value, the apparatus loads, from a storage unit, second information characterizing a second data exchange capable of initiation during the second temporal interval, and generates and transmits a second signal, via the communications unit, to a client device disposed that is disposed proximate to a predetermined geographic position and that exhibits a first device characteristic associated with the second data exchange.

Automatic generation and provisioning of notification data to dynamically selected network-connected devices

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically populate, in real-time, portions of digital interfaces based on dynamically generated contextual data. For example, a network-connected apparatus may receive, from a device, a portion of an identifier of a first counterparty to an exchange of data. The apparatus may perform operations determine a second counterparty to the data exchange based on at least one of a current geographic position of the first device, a first element of profile data associated with the first device, or the received portion of the first counterparty identifier, and may transmit an identifier of the second counterparty to the device. The device may execute an application program that presents the second counterparty identifier within a corresponding portion of an interface associated with the data exchange.

Automated population of digital interfaces based on dynamically generated contextual data

The disclosed embodiments include computer-implemented systems, apparatuses, and processes that, among other things, automatically generate and populate digital interfaces based on adaptively processed image data captured by a network-connected device operating within a computing environment. For example, an apparatus may receive, from a device, a first signal that includes image data identifying a document associated with a data exchange capable of initiation by the device. The apparatus may detect, within a first portion of the image data, a presence of first textual content associated with a first parameter of the data exchange, extract a first value characterizing the first parameter from the first textual content, and generate and transmit a second signal that includes the first value to the device. The second signal includes information that instructs the device to display the first value within a portion of an interface corresponding to the first parameter.

Automatic generation and population of digital interfaces based on adaptively processed image data

A session data processing network includes a POS terminal and at least one computer server. The POS terminal is configured to establish a secure communications session with a communications appliance, receive session data from the communications appliance via the communications session, extract a ledger identifier and a token from the session data, transmit an authorization request message and a rewards request message to the server. The authorization request message includes the ledger identifier and an authorization value. The rewards request message includes the token and requests a reward of loyalty points to a secondary ledger associated with the token. The server is configured to receive the authorization request message and the loyalty rewards request message, confirm authorization of a transaction in an amount equal to the authorization value from an account associated with the ledger identifier, and transmit to the POS terminal an authorization response message confirming the authorization.

Session data network and method of processing session data

A method for authenticating a wearable device is disclosed. The method includes: receiving, from a tokenization service provider (TSP), a signal representing a first code derived by the TSP from decrypting a security token previously provisioned in the computing device, wherein the security token was received at a terminal from the computing device and transmitted to the TSP; obtaining, based on the received signal representing the first code, a device identifier of the computing device and an identifier of an account; querying a device database to verify that the computing device is associated with a first status; verifying that the account is enabled for an operation initiated using the computing device; and transmitting an authorization message to the terminal, the authorization message authorizing the operation.

Systems for enabling tokenized wearable devices

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authenticate device identity and authorize exchanges of data in real-time based on dynamically generated cryptographic data. For example, an apparatus may receive a first signal that includes a first cryptogram associated with a client device, and may perform operations that authenticate an identity of the client device based on a comparison of the received first cryptogram and a second cryptogram generated by a computing system associated with an application program executed by the client device. In response to the authenticated identity, the apparatus may load profile data associated with the client device from a storage unit, and perform operations consistent with the profile data in accordance with the authenticated identity.

Real-time authentication and authorization based on dynamically generated cryptographic data

The disclosed embodiments include computer-implemented systems, apparatuses, and processes that dynamically generate and provision contextually relevant notifications to network-connected devices. For example, an apparatus receives a first signal that includes information indicative of an authorized data exchange involving a terminal device and a client device. The apparatus identifies and loads data specifying a notification template from the storage unit, and generates notification data that is populated with a portion of the received information in accordance with the notification template. The apparatus further transmits a second signal that includes the notification data to the client device. In some instances, the second signal is transmitted through a programmatic interface associated with an application program executed by the client device, and the client device is configured to display the notification data on a corresponding interface.

Real-time generation and provisioning of contextual notification data to network connected devices

A system has a storage medium encoded with program instructions, and a processor coupled to access the program instructions. The instructions configure the processor for: receiving a first request at a POS terminal to surrender a previously purchased first asset in exchange for at least a portion of a second asset that was used to purchase the first asset, receiving the private key from the first asset; accessing a set of rules stored in a distributed electronic ledger, the set of rules specifying conditions associated with the first request; transmitting an authorization to return the at least a portion of the second asset in exchange for surrender of the first asset, in the case where the conditions are satisfied; and invalidating the first request in the case where one or more of the conditions are not satisfied.

Distributed electronic ledger with metadata

A data set integration system receives a first data set that includes a user identifier and a message type code. The integration system locates an object profile that is associated with the terminal identifier in a data repository. The located object profile includes a tracking identifier and a counter value. The integration system updates the counter value in the object profile in accordance with a value of the message type code. The integration system updates receives a second data set from a communications device. The second data set includes the tracking identifier. The integration system locates the counter value in the object profile that is associated with the tracking identifier, and transmits to the communications device a data payload that includes the updated counter value.

System and method of integrating data

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data in real-time based on dynamically generated tokenized data. For example, an apparatus may receive first positional data identifying a first geographic position of a client device and based on the first positional data, the apparatus may determine a value of a parameter characterizing an exchange of data between the client device and a terminal device disposed proximate to the client device during a temporal interval. The apparatus may transmit data requesting a pre-authorization of the data exchange to a computing system, which perform operations that pre-authorize the data exchange in accordance with the parameter value and transmit a digital token representative of the pre-authorized data exchange to the terminal device. The digital token may be valid during the temporal interval and may include a cryptogram associated with the client device.

Real-time authorization of initiated data exchanges based on dynamically generated tokenized data

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that, among other things, authorize initiated exchanges of data based on tokenized data characterized by a limited temporal or geographic validity. For example, an apparatus may receive a first signal that includes first information identifying a first geographic position of a client device. The apparatus may also obtain a digital token representative of a pre-authorization of a data exchange between the client device and a terminal device during a corresponding temporal interval. The terminal device may, for example, be disposed within a geographic region that includes the first geographic position of the client device. The apparatus may generate and transmit a second signal that includes the digital token to the client device. In some examples, the apparatus may transmit the second signal being through a programmatic interface associated with an application program executed by the client device.

Real-time authorization of initiated data exchanges based on tokenized data having limited temporal or geographic validity

A computerized data transfer system allows data transfers to be initiated over a network between senders and recipients. Individual senders initiate data transfers over the network by selecting a recipient from a list at a sender device. The system includes a data store of sender specific recipients, a data transfer history data store of past transfers; and a master participant data store storing profiles of recipients for which transfers can be initiated. The system includes a computing device that for selected senders, retrieves entries of the data store of sender specific recipients, master participant data store and data transfer history data store; generates a predicted transfer profile for each recipient for the sender, based on past data transfers and the master participant data store to identify deviations therefrom; and updates the data store of sender specific recipients for the selected sender to update entries for recipients associated with identified deviations.

Recipient management in computer network initiated data transfers

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that automatically and dynamically generate and provision digital content to network-connected devices operating within a computing environment. For example, an apparatus may receive information generated by an application program executed by a communications device and based on the generated information, obtain an identifier of a third party associated with the executed application program. The apparatus may further identify and obtain first elements of digital content that include a representation of the identifier, and generate a second element of digital content that incorporates a subset of the first elements of digital content. The apparatus may also transmit the second element of digital content through a programmatic interface to the communications device, which may display the second element of digital content on an interface.

Dynamic generation and provisioning of digital content to network-connected devices

An EMV-session data network includes a POS terminal and at least one computer server. The POS terminal is configured to receive ledger data and a cryptogram from a communications appliance, extract an account identifier from the ledger data, and transmit to the server an authorization request message that includes the account identifier, the authorization value and the cryptogram. The server is configured to transmit to the POS terminal an authorization response message that confirms that the cryptogram was generated by the communications appliance from the account identifier and the authorization value. The POS terminal is further configured to extract a token from the ledger data and to transmit to the server a loyalty rewards request message that includes the token. The server is further configured to initiate a points reward to an account that is associated with the token.

EMV-session data network and method of processing EMV-session data

A device has a secure element including a memory that stores at least one address, a set of rules, and a state of an asset. A processor is configured for receiving a request to change the state of the asset associated with the address, validating the request in the case where changing the state of the asset according to the request complies with the set of rules, and invalidating the request in the case where changing the state of the asset according to the request violates the set of rules. A communications module is coupled to the secure element for transmitting information responsive to the request to a distributed network of peer processors for recording a change in the state of the asset in a distributed electronic ledger in the case where the secure element validates the request.

Growing community of inventors

Waterloo, Canada

Adam Douglas McPhee