The Toronto-Dominion Bank

The Toronto-Dominoin Bank

Buturab Rizvi

Alexandra Tsourkis

Adrian Chung-Hey Ma

Alexey Shpurov

Francis James Alexander Guttridge

Albert Louis Rothenstein

Ki Nam Choi

Miguel Navarro

Michael Pronski

Mohammad Fahad Khan

John Ivan Bacic

The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely distribute digital assets within a computing environment using permissioned distributed ledgers. For example, an apparatus may receive, from a computing system, an allocation request, a first digital signature applied to the allocation request, and a second digital signature applied to the allocation request and to the first digital signature. Based on a validation of the first and second digital signatures, the apparatus may approve the allocation request and allocate a digital asset to the first device in accordance with the approved allocation request. The apparatus may also perform operations that record a public key and asset data identifying a digital asset onto a distributed ledger, and may generate and transmit, to the first device, confirmation data indicative of the allocation of the digital asset to the first device.

Secure distribution of digital assets within a computing environment using permissioned distributed ledgers

The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely manage and regenerate cryptographic keys using permissioned distributed ledgers. For example, a device may receive, from a first computing system, data indicative of a recordation of a first public key onto a distributed ledger. Based on an occurrence of a regeneration condition, the device may transmit, to a second computing system, a second public key and a first digital signature, and the second computing system may validate the first digital signature, apply a second digital signature to the second public key, and transmit the second public key and the digital signatures to the first computing system. The device also receives, from the first computing system, additional data indicative of a recordation of the second public key onto the distributed ledger, and based on the additional data, the device may invalidate the first private key.

Secure management and regeneration of cryptographic keys within a computing environment using permissioned distributed ledgers

A computer-implemented method for allowing purchase of virtual gift cards includes receiving a communication indicating a gift card type and specifying a value amount. Responsive to the communication, a purchase of a virtual gift card of that type and storing that value amount is processed. This processing includes processing a payment for the specified value amount. Further, a gift card merchant application programming interface (API) capable of processing a purchase of a virtual gift card of the indicated gift card type is identified from amongst a set of such APIs. That API is used to initiate purchase of the virtual gift card. After the purchase is processed, an indication of the purchased virtual gift card is sent to a mobile computing device. The mobile computing device uses the indication to configure itself to allow transactions using the purchased virtual gift card to be initiated. Fraud detection may also be performed.

Systems and methods for real-time virtual gift card purchasing

The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely distribute and manage cryptographic keys within a computing environment using permissioned distributed ledgers. By way of example, an apparatus may receive a registration request and a first digital signature applied to the registration request from a device. Based on a validation of the first digital signature, the apparatus may approve the registration request and apply a second digital signature to the registration request and the first digital signature. In some examples, the second digital signature may be indicative of the approval of the registration request by the apparatus. The apparatus may also transmit the registration request and the first and second digital signatures to a computing system, which may validate the first and second digital signatures and perform operations that record a public cryptographic key of an application program executed at the device onto a distributed ledger.

Secure distribution and management of cryptographic keys within a computing environment using distributed ledgers

The disclosed exemplary embodiments include computer-implemented systems, devices, and processes that securely manage transfers of digital assets between computing devices using permissioned distributed ledgers. By way of example, an apparatus may receive, from a first device, a request to transfer a digital asset to a second device and a first digital signature applied to the request. Based on a validation of the first digital signature, the apparatus may approve the request and apply a second digital signature to the request and the first digital signature indicative of the approval of the request by the apparatus. The apparatus may also transmit the request, the first digital signature, and the second digital signature to a computing system, which may validate the first and second digital signatures and perform operations that record the first public key and asset data identifying the digital asset within at least one element of a distributed ledger.

Secure management of transfers of digital assets between computing devices using permissioned distributed ledgers

A computer server receives from a mobile device, via a first network, a data structure request that includes a user identifier; associates a data structure with a user profile; and transmits the data structure to the mobile device. The user profile includes the user identifier and a current balance value. The server receives from a POS device, via a second network, a balance update request that includes an updated balance value, and a validation request that includes the user identifier and the data structure. The server determines that, prior to receiving the validation request, the server had associated the data structure with the user profile. The server replaces the current balance value in the user profile with the updated balance value; and transmits to the mobile device, via the first network, a balance update confirmation confirming that the server had updated the user profile with the updated balance value.

Point-of-sale device and method for generating a discounted authorization request

A computer model to identify a type of physical card is trained using simulated card images. The physical card may exist with various subtypes, some of which may not exist or be unavailable when the model is trained. To more robustly identify these subtypes, the training data set for the computer model includes simulated card images that are generated for the card type. The simulated card images are generated based on a semi-randomized background that varies in appearance, onto which an identifying marking of the card type is superimposed, such that the training data for the computer model includes additional randomized sample card images and ensure the model is robust to further variations in subtypes.

Training a card type classifier with simulated card images

A method for providing a treasure hunt in augmented reality includes presenting an indication of a starting point of a path through an environment that, when followed, allows a virtual gift card to be obtained. Then, as a mobile computer system travels through the environment from a location proximate the starting point, navigation indications to allow the path to be followed are presented. Presenting the navigation indications may include capturing images of portions of the environment, detecting locations corresponding to the path, modifying a captured image based on a detected location by compositing it with a navigation indication corresponding to a direction of the path; and displaying the modified captured image. That the mobile computer system has been moved to a location proximate an ending point of the path can be detected and may trigger an update to an account to associate the virtual gift card therewith.

Systems and methods for providing an augmented-reality virtual treasure hunt

A computer model to identify a type of physical card is trained using simulated card images. The physical card may exist with various subtypes, some of which may not exist or be unavailable when the model is trained. To most robustly identify these subtypes, the training data set for the computer model includes simulated card images that are generated for the card type. The simulated card images are generated based on a semi-randomized background that varies in appearance, onto which an identifying marking of the card type is superimposed, such that the training data for the computer model includes additional randomized sample card images and ensure the model is robust to further variations in subtypes.

A POS device receives a first authorization value from an input device, and receives from a mobile device, via a LAN interface, a user identifier and a data structure that includes an adjustment value and a structure identifier. The POS device transmits the data structure and the user identifier to a validation server, via a WAN interface. The POS device receives from the validation server, via the WAN interface, confirmation that the validation server had previously saved the structure identifier of the data structure in a database in association with the user identifier. The POS device recovers the adjustment value from the data structure, generates a second authorization value from a difference between the first authorization value and the adjustment value, and transmits an authorization request message over a payment network via the WAN interface. The authorization request message includes the second authorization value.

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Vaughan, Canada

Buturab Rizvi