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:
Feb. 06, 2024

Filed:

Jul. 21, 2021
Applicant:

The Toronto-dominion Bank, Toronto, CA;

Inventors:

Dino Paul D'Agostino, Richmond Hill, CA;

Perry Aaron Jones Haldenby, Toronto, CA;

Dean C. N. Tseretopoulos, Toronto, CA;

Jeffrey Aaron Ecker, Toronto, CA;

Adam Douglas McPhee, Waterloo, CA;

Milos Dunjic, Oakville, CA;

John Jong-Suk Lee, Toronto, CA;

Arun Victor Jagga, Toronto, CA;

Assignee:
Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
H04L 9/40 (2022.01); G06Q 20/40 (2012.01);
U.S. Cl.
CPC ...
H04L 63/0428 (2013.01); G06Q 20/401 (2013.01); H04L 63/0853 (2013.01);
Abstract

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.


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