The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Mar. 14, 2023

Filed:

Apr. 01, 2019
Applicant:

The Toronto-dominion Bank, Toronto, CA;

Inventors:

Milos Dunjic, Oakville, CA;

Arthur Carroll Chow, Markham, CA;

David Samuel Tax, Toronto, CA;

Armon Rouhani, Toronto, CA;

Asad Joheb, Toronto, CA;

Sara Hatherly, Alliston, CA;

Keith Sanjay Ajmani, Toronto, CA;

Lionel Johnson, Mississauga, CA;

Yubing Liu, Toronto, CA;

Assignee:
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06F 16/23 (2019.01); G06F 16/25 (2019.01); G06F 21/60 (2013.01); H04L 9/08 (2006.01); H04L 9/30 (2006.01);
U.S. Cl.
CPC ...
G06Q 20/389 (2013.01); G06F 16/2379 (2019.01); G06F 16/258 (2019.01); G06F 21/602 (2013.01); G06Q 20/3829 (2013.01); H04L 9/0819 (2013.01); H04L 9/30 (2013.01); G06Q 2220/00 (2013.01);
Abstract

The disclosed exemplary embodiments include computer-implemented systems, apparatuses, and processes that monitor and reconcile indirectly initiated exchanges of data between network-connected devices and computing systems using a permissioned distributed ledger. For example, an apparatus may obtain and transmit first transaction information characterizing a data exchange to a first computing system. The first computing system may submit a portion of the first transaction information to a second computing system through a programmatic interface inaccessible to the apparatus, and the second computing system may execute the data exchange in accordance with at least the portion of the first transaction information. The apparatus may also obtain at least one element of a distributed ledger that includes encrypted second transaction information characterizing the execution of the data exchange, decrypt the encrypted second transaction data and perform operations that reconcile the first transaction information and the decrypted second transaction information.


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