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:
Jul. 29, 2025

Filed:

Jul. 21, 2020
Applicant:

The Toronto-dominion Bank, Toronto, CA;

Inventors:

Perry Aaron Jones Haldenby, Toronto, CA;

Milos Dunjic, Toronto, CA;

John Jong-Suk Lee, Toronto, CA;

Assignee:
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06Q 20/10 (2012.01); G06Q 20/20 (2012.01); G06Q 20/40 (2012.01); H04L 9/32 (2006.01); H04L 9/40 (2022.01); H04L 9/00 (2022.01);
U.S. Cl.
CPC ...
G06Q 20/10 (2013.01); G06Q 20/20 (2013.01); H04L 9/3236 (2013.01); H04L 9/3268 (2013.01); H04L 9/3271 (2013.01); H04L 63/10 (2013.01); G06Q 2220/00 (2013.01); H04L 9/50 (2022.05);
Abstract

The disclosed embodiments include processes that securely approve and execute exchanges of data between systems, apparatuses, and devices in a computing environment. For example, a terminal device may establish communications with a client device across a direct channel of communication, and may initiate an exchange of data with that additional device across the direct communications channel. The initiated data exchange may be characterized by a value of a data-exchange parameter, and the terminal device may determine to authorize the current data exchange in real-time based on cryptographically secure distributed ledger data maintained by the client device and provided to the terminal device across the direct communications channel. Further, and based on transmitted confirmation data, the client device may generate additional, cryptographically secure of the distributed ledger data to reflect the authorized data exchange.


Find Patent Forward Citations

Loading…